Y-12 Credit Union Knoxville TN | Top Auto Loans & Business Banking

Introduction

Welcome to Y-12, your trusted financial partner in the heart of Knoxville, TN! Located at 2377 Cherahala Blvd, we have been serving our community since 1950. Our commitment to helping members achieve their financial goals is reflected in our robust membership of over 115,000 individuals. At Y-12, we understand that your financial needs are unique. That's why we proudly offer a variety of services designed just for you, including personal banking, auto loans, mortgages, and business banking solutions. With total assets exceeding $2.14 billion, you can rest assured that your money is in capable hands. We maintain a strong financial foundation with $3,918,129 in total deposits and a net worth of $246,972,129, demonstrating our stability and reliability. Our dedicated team, led by CEO Mark Ziegler and Board President David Rupert, is here to provide personalized service and support to every member. With a workforce of 359 employees, we are committed to fostering meaningful relationships within our community. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 2377 Cherahala Blvd, Knoxville, TN 37932. If you have questions or need assistance, don't hesitate to reach out at 865-482-1043. Explore what Y-12 can do for you today! Visit our website at Y12 FCU or stop by our branch during operating hours Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM. We look forward to being part of your financial journey!

Branch History & Mission

Community Commitment

Y-12 is dedicated to giving back to the Knoxville area through various outreach initiatives. We believe in investing in local projects that uplift our neighborhoods and improve the quality of life for all residents. From sponsoring local events to partnering with schools for financial education programs, we are committed to making a positive impact.

Join Us

If you're looking for a credit union that prioritizes your financial well-being while being an active member of the community, look no further than Y-12. Experience firsthand how we can help you achieve your financial goals. Call us today at (865) 482-1043 or visit our website at Y-12 FCU to learn more about membership options or start your application process!

Our Evolution

From our humble beginnings in 1950, Y-12 has grown significantly to meet the needs of our members. Established with a vision to provide accessible financial services, we have expanded our offerings over the years. Today, we provide personal banking solutions that include checking and savings accounts, auto loans, mortgages, and business banking services. Our commitment to innovation is evident through our advancements in online and mobile banking, ensuring that members can manage their finances anytime and anywhere.

Our Mission

At Y-12, our mission goes beyond just providing financial products; it's about enhancing the lives of our members and supporting our community. We believe in fostering strong relationships built on trust and transparency. Our dedicated team works tirelessly to offer personalized service that meets each member's unique needs. We understand that financial literacy is vital for empowerment; thus, we strive to educate our members about their options every step of the way. While members can visit us at 2377 Cherahala Blvd Knoxville Tn 37932, official correspondence should be sent to 2377 Cherahala Blvd, Knoxville, TN 37932. We encourage visits during our operating hours: Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM. Whether you prefer face-to-face interactions or digital banking solutions, Y-12 is here to serve you.

Branch Location & Accessibility

Connect With Us

If you have questions or need assistance before your visit, feel free to give us a call at 865-482-1043. Our friendly staff is ready to help! We invite you to come experience the community-focused service that makes Y-12 FCU stand out. Your financial journey starts here visit us today!

Operating Hours and Services

We understand that life can be hectic. That's why we're open Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM, so you can stop by when it suits you best. Our dedicated team is here to assist you with a range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and even business banking solutions. For those who prefer quick transactions, we offer a convenient drive-thru service for deposits, withdrawals, and other simple transactions perfect for when you're on the go! While we currently do not have ATM services available at this location, our drive-thru provides an efficient alternative for your banking needs.

Parking and Accessibility

At our branch, we prioritize your convenience. Ample parking is available right outside our doors, ensuring that you can easily access our services without hassle. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to cater to all members.

Member Eligibility

At Y-12, we believe that everyone deserves a chance to be part of a caring community. Joining us as a member is not just about banking; it's about being part of something special. If you live, work, or worship in our service area, or if you're related to someone who does, you're likely eligible to become a member! We welcome individuals from diverse backgrounds and aim to provide financial services that meet your unique needs. To find out more about the specific eligibility requirements, feel free to check out our detailed information at http://www.y12fcu.org/about/membership/. Becoming a member is a simple process that opens the door to various benefits, including competitive loan rates, personalized service, and access to convenient online banking options. Ready to take the next step? You can open your account easily by visiting us in person at 2377 Cherahala Blvd Knoxville Tn 37932 or online at https://apply.y12fcu.org/. If you have any questions, don't hesitate to call us at (865) 482-1043 we're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $617 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $13 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $327,061,618, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced world, having reliable merchant services can make all the difference. Imagine processing customer payments seamlessly, whether it's online or in-store. Our merchant services provide you with the tools you need to accept payments easily and efficiently, allowing you to focus on what truly matters growing your business. Located at 2377 Cherahala Blvd Knoxville Tn 37932 in Knoxville, TN, we are here to partner with you on your journey toward success. Contact us at (865) 482-1043 to learn more about how our business banking and commercial services can support your goals!

Comprehensive List Of Services

Convenient Access Anytime, Anywhere

Accessing your accounts has never been easier with our digital banking features. Use online banking or our mobile app to manage your finances on the go! Plus, if you prefer face-to-face service, visit us during lobby hours: Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM. And don't forget about our drive-thru service for quick transactions! At Y-12, we are more than just a credit union; we are a community partner focused on making financial services accessible and convenient for everyone. If you have any questions or want more information about how we can assist you, feel free to call us at (865) 482-1043 or visit our website at Y-12 Fcu Hardin Valley Branch. Join us today and experience the difference at Y-12!

Financing Your Dreams

When it comes to financing, we offer various options to suit different needs. If you're planning to buy a new car, our auto loans and vehicle financing will help you get on the road with ease. For those considering home ownership or refinancing, our mortgage loans provide competitive rates to make your dream home a reality.

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, our personal banking options are designed with you in mind. Imagine having easy access to your funds through our user-friendly online and mobile banking platforms. You can check your balance, transfer money, and even deposit checks from the comfort of your home.

Rewarding Credit Card Options

Want to earn rewards while spending? Our credit cards come with benefits that let you enjoy every purchase, whether it's for everyday expenses or special treats.

Simplifying Debt Management

Life can throw unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We aim to simplify your finances so that you can focus on what truly matters your life and family.

Supporting Local Businesses

For entrepreneurs, we offer business banking solutions, including merchant services and business loans. We're committed to supporting local businesses in Knoxville by providing the financial tools necessary for growth and success.

Digital & Online Banking

Accessibility & User-Friendly Features

We know how important it is for our members to have easy access to their financial information. That's why we offer e-statements, so you can go paperless and view your statements anytime, anywhere. Our user-friendly interface makes navigation a breeze for everyone. With all these features combined, managing your money is not just easy; it's also efficient. The flexibility of digital banking allows you to control your finances in real-time, ensuring you're always in tune with your financial health. At Y-12, we are committed to providing you with the best digital banking experience possible. Join us today and discover how easy managing your money can be!

Key Services

With our online banking platform, you can check your account balances, view transaction history, and transfer funds with just a few clicks. Our 24/7 online banking services ensure that you have access to your accounts whenever you need it. Plus, you'll enjoy the ease of person-to-person transfers sending money to friends or family is quick and simple. For those who prefer using their mobile devices, our mobile application is perfect for managing your finances on the go. You can make mobile payments, access e-statements, and even authorize transactions with an electronic signature all from the comfort of your smartphone. Yes, we take security seriously! You can trust that your information is protected with state-of-the-art encryption.

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Y-12 is your trusted partner. Visit us at 2377 Cherahala Blvd Knoxville Tn 37932 or call (865) 482-1043 to learn more about how we can help you achieve your financial goals.

Dedicated Team Ready to Serve You

We also take pride in having 359 full-time employees ready to assist you every day. This dedicated team ensures that you receive knowledgeable support whenever you need it. Additionally, our total share accounts stand at 236,372, showcasing a strong and growing member base that trusts us with their finances. The net shares available for lending and investments amount to $1,141,107, reinforcing our commitment to helping you achieve your financial dreams.

Investing in Your Future

With $223,473,017 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $20,577 in used auto loans and a total of $1,702,214,799 in loans and leases. Our ability to generate income further strengthens our position; our $20,855,359 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member Savings Are Secure

Members' savings are secured through $482,217,692 in share certificates and $276,519,567 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $30,919,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Strong Financial Position

With a net worth of $246,972,129, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,149 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $407,866,537 in used vehicle loans and $84,903,863 in new vehicle loans already helping members get on the road. We provide flexible terms and quick approval processes, making it easier for you to drive away in the vehicle you want.

Credit Lines & Business Loans

For those needing additional flexibility, our total credit lines amount to $771,862,559, providing options for various financial needs. Additionally, if you're a business owner, our outstanding commercial loans totaling $327,061,618 provide the capital needed to grow and expand your business. At Y-12, we believe in supporting our members with diverse loan offerings that cater to different stages of life and financial goals. If you're interested in refinancing or exploring eligibility options, please reach out to us at (865) 482-1043, or visit us at our branch located at 2377 Cherahala Blvd Knoxville Tn 37932 in Knoxville, TN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your dreams with our reliable loan products!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $133,020,730, make buying or refinancing simple. We aim to provide you with clear information and support throughout the process, ensuring you feel confident in your investment.

Unsecured Credit Cards

Managing everyday expenses is important. We also offer flexible terms on unsecured credit card loans, with a total of $52,349,837 in loans helping members manage their finances effectively. Enjoy the convenience of our credit cards while benefiting from competitive rates and rewards options.

Loan Aggregator

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