Y-12 Credit Union Lenoir City TN | Affordable Auto Loans & ATM Access

Introduction

Welcome to Y-12, your trusted financial partner located at 391 Highway 321 N, Lenoir City, TN 37771. Since our establishment in 1950, we have been dedicated to serving our community with reliable banking solutions tailored to meet your needs. With over 115,000 members and total assets exceeding $2.14 billion, we pride ourselves on fostering a supportive environment where you can thrive financially. At Y-12, we understand the importance of community and strive to make a positive impact in Lenoir City and beyond. Our commitment to you is reflected in our impressive financial standing, including total deposits of $3,918,129 and a solid net worth of $246,972,129. Whether you're looking for personal banking options like checking accounts and auto loans or business banking services, we have a wide range of offerings designed just for you. Our leadership team, guided by CEO Mark Ziegler and Board President David Rupert, is passionate about ensuring that every member feels valued and supported. With a dedicated staff of 359 employees, we're here to assist you with all your financial inquiries. While members can visit us at our branch address, official correspondence should be sent to the same location: 391 Highway 321 N, Lenoir City, TN 37771-2060. We invite you to explore our services further by visiting our website at Y12 FCU. Don't hesitate to reach out at 865-482-1043 if you have any questions or need assistance. Join us today and experience the Y-12 difference where your financial goals become our mission!

Branch History & Mission

Welcome to Y-12 in Lenoir City, TN, where our story begins with a commitment to community and service that dates back to 1950. Over the years, we have grown from a small financial institution into a thriving credit union with over 115,000 members and total assets exceeding $2.14 billion. Our journey has been marked by milestones that reflect our dedication to providing quality financial services while fostering strong community ties. Located at 391 Highway 321 N, Lenoir City, TN 37771, our branch is easily accessible for those looking to improve their financial well-being. Whether you're visiting us for personal banking needs or seeking help with loans and mortgages, you'll find a welcoming environment designed to serve you better. If you need to send official correspondence, please address it to our mailing address: 391 Highway 321 N, Lenoir City, TN 37771-2060. At Y-12, our mission goes beyond just banking; we strive to empower our members through comprehensive financial solutions and community support initiatives. Our goal is to ensure every member has access to the tools they need to achieve their dreams whether it's buying a home, purchasing a vehicle, or starting a business. We pride ourselves on offering personalized service that meets the diverse needs of our members. In addition to traditional banking services like checking and savings accounts, auto loans, and mortgages, we embrace modern technology with online banking options and mobile payments. We are ADA compliant and ensure that all members can access our services easily. Our branch operates Monday through Friday from 9:00 AM to 5:30 PM and on Saturday from 9:00 AM to 12:00 PM. With an ATM available and drive-thru service for quick transactions, we make banking convenient for everyone in Lenoir City. Y-12 is also committed to giving back. We regularly partner with local organizations for outreach programs aimed at improving lives in our community. Together with our members, we work towards building a stronger future. As you explore your options for financial services, we invite you to join Y-12 and experience firsthand the benefits of being part of a community-focused credit union. With us, you're not just another account number; you're family. Connect with us today by calling 865-482-1043 or visiting Y-12's website to learn more about membership opportunities!

Branch Location & Accessibility

Welcome to Y-12, your friendly neighborhood credit union located at 391 Highway 321 N in Lenoir City, TN! We're proud to serve the wonderful community of Loudon County and offer a range of financial services designed just for you. Our location is easy to access, whether you're coming from downtown or the surrounding areas. Just a short drive away from popular spots like Lenoir City Park and the scenic Tennessee River, visiting us is both convenient and enjoyable. At Y-12, we understand that accessibility matters. Our branch features ADA-compliant facilities, including ramps for easy entry and ample parking spaces for our members. Plus, if you prefer quick banking on the go, we have a drive-thru service available for your convenience. For those who need it, there's also an ATM on-site, ensuring you can manage your finances with ease. We're here to serve you during our welcoming hours: Monday through Friday from 9 AM to 5:30 PM, and Saturdays from 9 AM to 12 PM. Whether you're stopping by for a simple transaction or seeking guidance on more complex financial needs like auto loans or mortgage options, our friendly staff is ready to assist you. While members can visit us at 391 Highway 321 N, official correspondence should be sent to the same address as well. If you have any questions or need assistance, feel free to give us a call at 865-482-1043. Come visit Y-12 today where community meets convenience! We look forward to helping you with all your banking needs.

Member Eligibility

At Y-12, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us is easy, and we welcome all individuals who live, work, or worship in our area. Whether you're looking for personal banking solutions or planning for your financial future, becoming a member gives you access to a range of services designed just for you. To learn more about the specific eligibility criteria, feel free to visit our detailed page at http://www.y12fcu.org/about/membership/. Opening an account with us is a breeze! You can start your journey toward membership by visiting our online application at https://apply.y12fcu.org/ or simply give us a call at (865) 482-1043 if you have any questions. We're located at 391 Highway 321 N Lenoir City Tn 37771, and our friendly staff is always ready to assist you in making the most of your membership experience. Join us today and discover the many benefits that await you at Y-12!

Business Banking & Commercial Services

Business 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 addition to loans, we offer merchant services designed to streamline your daily operations. Imagine being able to accept payments easily while managing your cash flow efficiently. With tools tailored for your business needs, you can focus on what you do best serving your customers and growing your enterprise. Whether you're looking for funding or services that help you manage transactions, Y-12 is here to partner with you every step of the way. Visit us at 391 Highway 321 N Lenoir City Tn 37771 or call us at (865) 482-1043 to explore how we can support your business journey!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Dreaming of a new car? Our auto loans and vehicle financing options make it easier than ever to get behind the wheel. With competitive rates, you can choose a loan that fits your budget, so you can focus on what really matters enjoying your ride!

Business Banking

If you're a business owner, our business banking services are tailored just for you. From merchant services that simplify transactions to business loans that help you grow, we are here to support your entrepreneurial journey.

Convenient Access

In addition to all these great services, Y-12 offers convenient ATM access and drive-thru banking for quick deposits and withdrawals without needing to step inside the branch. Our goal is to ensure that accessing your money is as simple as possible. As part of our commitment to service excellence, we also provide basic drive-thru banking for deposits and simple transactions, along with essential ATM services like balance checks and withdrawals. We invite you to explore everything Y-12 has to offer by visiting us at 391 Highway 321 N Lenoir City Tn 37771 or checking out our website at Y-12 Fcu Lenoir City. If you're ready to take the next step in managing your finances or have questions about any of our services, don't hesitate to call us at (865) 482-1043. Join us today and experience personalized financial solutions tailored just for you!

Credit Cards with Rewards

Make every purchase count! With our credit cards featuring rewards programs, you earn points on everyday spending that can be redeemed for travel, merchandise, or cash back. It's an easy way to make your money work harder for you.

Mortgage Loans & Refinancing

Thinking about buying a home? We offer mortgage loans designed to help you achieve that goal. And if you're already a homeowner, consider refinancing with us for potentially lower rates and better terms.

Personal Banking

Whether you are looking to open a checking account for everyday expenses or a savings account to grow your funds, we have you covered with our personal banking services. Imagine having the ability to manage your finances from anywhere with our online and mobile banking options, making transactions easy and hassle-free.

Personal Loans & Debt Consolidation

Life sometimes throws unexpected expenses your way. That's where our personal loans come in handy. Whether you need to cover medical bills or consolidate debt, we provide flexible loan options that allow you to take control of your financial future.

Digital & Online Banking

Key Features

Our online banking services come with a host of features that empower you to take control of your financial life. With 24/7 online banking, you can check balances, transfer funds, and pay bills whenever it suits you. Need to send money to a friend? Our person-to-person transfers make it quick and simple, so you can share expenses without any hassle. For those who prefer mobile banking, our mobile application is available for download, giving you all the tools you need right in your pocket. You can also enjoy the benefits of mobile payments, making transactions smoother and faster than ever before.

Security and Accessibility

Security is paramount at Y-12. We utilize electronic signature authorization for secure transactions, ensuring that your information stays safe while allowing for easy approvals from anywhere. Additionally, e-statements are available to help you keep track of your finances efficiently without cluttering your mailbox. Managing your accounts has never been easier or more accessible. With real-time account management tools and a commitment to providing top-notch digital services, Y-12 is here to support you every step of the way. Join us today and experience the convenience of modern banking!

Financial Strength

Commitment to Innovation

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 $1,702,214,799 in total loans and leases.

Growing Trust

We have built a robust member base with 236,372 total share accounts that show trust in our services. Our net shares available for lending and investments stand at $1,141,107, further affirming our ability to assist you financially. 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 391 Highway 321 N Lenoir City Tn 37771 or call (865) 482-1043 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our $20,855,359 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 359 full-time employees ready to serve you with knowledge and commitment.

Strong Financial Health

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. Whether you're looking for financing on a brand-new model or a reliable pre-owned vehicle, we have options that can fit your budget.

Business Loans

For business owners in our community, our outstanding commercial loans totaling $327,061,618 provide the capital needed to grow and expand your business operations. We understand the unique challenges faced by small businesses and are here to support your ambitions. If you're interested in any of these loan products or would like to know more about refinancing options available at Y-12, please don't hesitate to reach out! You can contact us at 865-482-1043 during our operating hours: Monday through Friday from 9 AM to 5:30 PM and Saturday from 9 AM to 12 PM. 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 confidence!

Credit Lines

For those who need more flexibility in their spending, our credit lines total $771,862,559. This option provides an easy way to cover unexpected costs or finance larger purchases without taking out a traditional loan.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $133,020,730, making it easier for you to secure your dream home. Our team is ready to guide you through the process and discuss eligibility options tailored to your needs.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. That's why 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. These cards come with rewards and features that can simplify your budgeting while offering peace of mind.

Loan Aggregator

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