Y-12 Credit Union La Follette TN | Best Auto Loans & Drive-Thru Banking

Introduction

Welcome to Y-12, your trusted financial partner located at 1011 E Central Ave, La Follette, TN 37766. Since our establishment in 1950, we have dedicated ourselves to providing exceptional service to our 115,349 members, helping them achieve their financial goals while fostering a strong sense of community. With assets totaling an impressive $2,146,504,594, we are proud to offer a wide range of services, including personal banking, auto loans, mortgages, and business financing. At Y-12, we understand that financial needs can vary greatly from person to person. That's why our team is here to listen and provide tailored solutions that meet your unique circumstances. Under the leadership of our CEO, Mark Ziegler, and Board President, David Rupert, we strive to create an environment where members feel valued and supported. Our staff of 359 dedicated employees is ready to assist you with any inquiries or transactions you may have. While members can visit us at our branch address for all banking services including access to our ATM and drive-thru facilities official correspondence should be sent to our mailing address: 1011 East Central Avenue, Lafollette, TN 37766. With total deposits amounting to $3,918,129 and a net worth of $246,972,129, Y-12 stands as a pillar of stability in the community. We are committed not just to safeguarding your money but also ensuring it works for you through personalized loan options with a total loan portfolio exceeding 66,356 loans. Join us today and experience the difference that local credit union membership can make in your life. Whether you're looking for help with everyday banking or planning for the future, we're here for you every step of the way. Feel free to call us at 865-482-1043 or visit our website at Y12FCU for more information on how we can serve you best!

Branch History & Mission

A Call to Action

As we continue this journey into the future, we invite you to join us at Y-12. Experience firsthand the benefits of being part of a credit union that prioritizes its members' needs and well-being. Together, let's build a stronger financial future for you and your community. For more information about membership or to open an account today, visit us at Y-12 FCU or give us a call at (865) 482-1043. Your journey towards financial success starts here!

Community Commitment

Y-12 is more than just a credit union; we are a community partner. Our commitment extends beyond banking we actively engage in community outreach programs and initiatives designed to uplift and support those around us. Our partnerships with local organizations demonstrate our dedication to making La Follette a better place for everyone. While members can visit us at 1011 E Central Ave La Follette Tn 37766, official correspondence should be sent to 1011 East Central Avenue, Lafollette, TN 37766. We are also proud to offer modern conveniences such as online banking, mobile payments, and an ATM available for quick access to cash.

Our Journey

Located at 1011 E Central Ave, La Follette, TN 37766, Y-12 has witnessed significant changes and milestones throughout its history. From humble beginnings, we have expanded our services to meet the evolving needs of our members. With total assets now exceeding $2.1 billion, we have become a cornerstone of financial stability in our region. Our mission is simple yet powerful: to provide exceptional financial services while fostering a sense of belonging among our members. Whether it's helping individuals secure auto loans or assisting families with mortgage financing, we strive to create opportunities that enhance lives.

Branch Location & Accessibility

A Wealth of Services at Your Fingertips

At Y-12, we pride ourselves on providing a wide range of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? We have an ATM available for quick withdrawals and balance checks right at our location. While members can visit us at 1011 E Central Ave La Follette Tn 37766, official correspondence should be sent to 1011 East Central Avenue, Lafollette, TN 37766 if it's different from our physical address.

Easy Access and Nearby Landmarks

Y-12 is situated near popular local landmarks, making it a familiar stop for many residents. With ample parking available right outside the branch, accessing our services is a breeze. Our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can visit us comfortably.

Get in Touch!

If you have any questions or need assistance, feel free to give us a call at (865) 482-1043. Our dedicated team is always ready to assist you. We invite you to stop by Y-12 today and discover how we can help with all your financial needs!

Operating Hours Tailored for You

We understand that life can be busy! That's why we offer flexible banking hours. Join us Monday through Friday from 9 AM to 5:30 PM, and on Saturday from 9 AM to 12 PM. Our drive-thru service makes it even easier for you to complete your transactions without leaving your vehicle.

Member Eligibility

Becoming a member of Y-12 is like opening the door to a warm and welcoming community that truly cares about your financial well-being. If you live, work, or worship in our local area, you're likely eligible to join us! We're here to support individuals from all walks of life, including those who are part of certain organizations or associations linked with our credit union. For a complete understanding of the eligibility criteria, feel free to check out this resource: http://www.y12fcu.org/about/membership/. Joining Y-12 comes with fantastic benefits, from competitive rates on loans to personalized service that makes your banking experience enjoyable. The process is straightforward and inclusive simply visit us at 1011 E Central Ave La Follette Tn 37766, give us a call at (865) 482-1043, or start online by heading to https://apply.y12fcu.org/. We can't wait to welcome you into our family!

Business Banking & Commercial Services

At Y-12, we understand that every business has unique needs. Whether you're starting a new venture or expanding an established company, our tailored banking solutions can help you reach your goals. Imagine having access to funds when you need them most this is where our commercial loan options come into play. 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. In addition to loans, we offer merchant services designed to simplify payment processing, enabling you to focus on what matters most growing your business. From credit card processing to secure online transactions, we provide tools that make it easier for you to serve your customers effectively. Visit us at 1011 E Central Ave La Follette Tn 37766 in La Follette, TN or call us at (865) 482-1043 to explore how our business banking and commercial services can elevate your success!

Comprehensive List Of Services

Business Banking Solutions

For small business owners in La Follette, we offer robust business banking solutions, including merchant services and business loans. We know how important it is for businesses to have reliable financial backing, especially when starting or expanding operations. Our team is here to help guide you through the various options available.

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why Y-12 offers both online and mobile banking services that allow you to manage your accounts anytime, anywhere. Whether you're checking your balance on the go or making transfers from your smartphone, we've got you covered with secure and user-friendly technology. For those moments when you prefer face-to-face service or need quick access to cash, our branch also features drive-thru banking for deposits and withdrawals as well as ATM services for easy cash access.

Get Started Today!

Ready to explore all that Y-12 has to offer? We invite you to visit us at 1011 E Central Ave La Follette Tn 37766 or give us a call at (865) 482-1043. Our friendly staff is eager to assist you with any questions about our comprehensive range of services. Experience the difference that personalized service makes join us today!

Loans Made Easy

Sometimes life requires a little extra help financially. Our personal loans and debt consolidation services can provide the support you need during those crucial times. You might find yourself in a situation where unexpected expenses arise; with our flexible loan options, you can manage those challenges without stress.

Personal Banking Services

Managing your money should be easy and convenient. With Y-12, you have access to personal banking services that include checking and savings accounts tailored to help you achieve your financial goals. Imagine opening a new checking account that allows you to track your spending effortlessly through our online and mobile banking platforms. Plus, our credit cards come with rewards that can benefit you each time you use them. When it comes to financing, we offer competitive auto loans and vehicle financing options. Whether you're purchasing a new car or refinancing an existing loan, we make the process simple and straightforward. Additionally, if you're considering homeownership, our mortgage loans and refinancing options can help make your dream a reality.

Digital & Online Banking

Key Features

Our mobile application brings banking right to your fingertips. Whether you're out shopping or relaxing at home, you can easily make mobile payments with just a tap. Plus, if you need to send money to a friend or family member quickly, our person-to-person transfer feature allows you to do so in seconds no hassle involved! For those who prefer a paperless approach, we offer electronic statements that give you a clear view of your account activity without cluttering your mailbox. You can also take advantage of electronic signature authorization for quick approvals on transactions all done securely and conveniently. At Y-12, we prioritize accessibility and ease-of-use. Our digital banking services not only empower you to manage your accounts in real-time but also provide peace of mind knowing that you're always in control of your finances. Whether it's checking e-statements or making payments through our mobile app, we've got you covered every step of the way. Experience the freedom of banking on your terms with Y-12!

Financial Strength

At Y-12, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining strong financial health, allowing us to provide the best possible services to our valued members. With a net worth of $246,972,129, we demonstrate robust financial strength that empowers us to offer competitive rates, low fees, and enhanced member services. Our net worth ratio of $1,149 showcases our solid capital foundation, ensuring we can continue providing loans and uninterrupted services even during challenging economic times. Members' savings are well protected through $482,217,692 in share certificates and $276,519,567 in money market shares, which provide stable and rewarding opportunities for financial growth. Unlike traditional banks, we prioritize our members. With non-member deposits totaling $30,919,000, we focus our resources on benefiting you offering better loan rates, lower fees, and exclusive perks. Additionally, we have $223,473,017 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. Our lending capacity is supported by $20,577 in used auto loans and $1,702,214,799 in total loans and leases, enabling us to help members achieve their financial goals across various sectors. Our operational efficiency is reflected in our impressive net income of $20,855,359, further enabling us to continue offering competitive loan rates and solid financial products. We take pride in our dedicated team of 359 full-time employees and 0 part-time employees who ensure that our branches are always ready to assist you with knowledgeable support. With net shares amounting to $1,141,107, we have funds available for lending and investments. Our total share accounts stand at 236,372, highlighting a strong and growing member base that trusts us with their finances. 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 1011 E Central Ave La Follette Tn 37766 or call (865) 482-1043 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Whether you're interested in financing a new or used vehicle, our flexible terms make it easy for you to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $327,061,618 provide the capital needed to grow and expand your enterprise. We understand the unique challenges that businesses face and are committed to offering solutions that support your success. At Y-12, we also recognize that refinancing might be an option worth considering if you're looking for better rates or different terms. We encourage you to discuss your eligibility options with our knowledgeable staff. 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 navigate your financial journey with ease. Visit us today at 1011 E Central Ave La Follette Tn 37766 or give us a call at (865) 482-1043 to learn more about how our loan products can benefit you!

Credit Lines and Unsecured Loans

For those looking for more flexibility, we offer credit lines totaling $771,862,559. Additionally, our unsecured credit card loans amounting to $52,349,837 can help you manage finances effectively without needing collateral. With these options, you can cover unexpected expenses or consolidate debt without stress.

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 provide tailored solutions that fit your budget and lifestyle, ensuring you have the support you need throughout the home-buying process.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers. By aggregating information from reputable lenders, LendMesh provides a dependable platform for comparing loans.

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