Y-12 Credit Union Oak Ridge TN | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Y-12, your trusted partner in financial services located at 501 Lafayette Dr, Oak Ridge, TN 37830. Established in 1950, we have grown alongside our community and now proudly serve over 115,000 members with a commitment to providing exceptional personal banking solutions tailored to meet your needs. At Y-12, we understand that financial well-being is not just about numbers; it's about building relationships. With total assets of $2,146,504,594 and net worth reaching $246,972,129, we are dedicated to ensuring your financial future is secure. Our members enjoy the benefits of over $3,918,129 in total deposits and a robust loan portfolio that includes 66,356 loans and leases, demonstrating our strength and reliability. While you can visit us at our Oak Ridge branch for all your banking needs, official correspondence can be sent to our mailing address at 501 Lafayette Drive, Oak Ridge, TN 37831. Our friendly team of 359 employees, led by CEO Mark Ziegler and Board President David Rupert, is ready to assist you with services ranging from checking and savings accounts to auto loans and business banking. We believe in giving back to our community while helping you achieve your financial goals. Whether you're looking for a new vehicle loan or need assistance managing your savings, Y-12 is here to support you every step of the way. Don't hesitate to reach out! Call us today at 865-482-1043 or visit us online at Y-12 FCU for more information on how we can help you thrive financially.

Branch History & Mission

Y-12 has a rich history that dates back to its opening in 1950, rooted in the vibrant community of Oak Ridge, TN. Over the decades, we have grown from a small credit union into a vital financial institution serving more than 115,000 members. Located at 501 Lafayette Dr, Oak Ridge, TN 37830, our branch is easily accessible and close to local landmarks that reflect our deep ties to the community. Since our inception, Y-12 has focused on providing exceptional financial services while fostering community support. Our mission is simple yet powerful: we strive to improve the financial well-being of our members and empower them through education and resources. We understand that every member's needs are unique, which is why we offer a range of services including personal banking, auto loans, mortgages, and business banking solutions. As we grew, so did our commitment to innovation. Today, Y-12 offers modern conveniences such as online banking, mobile payments, and electronic statements. We're proud to be ADA compliant and continually work towards creating an inclusive environment for all our members. Whether you prefer visiting us in person or managing your finances digitally, we have options designed with your convenience in mind. Our financial strength is reflected in our total assets of over $2.14 billion, which enables us to provide competitive rates and meaningful products to support our members' goals. The dedicated team at Y-12 works tirelessly to ensure that every member feels valued and supported. We also engage in numerous community outreach efforts aimed at improving lives beyond just financial services. While members can visit us at 501 Lafayette Dr, official correspondence should be sent to 501 Lafayette Drive, Oak Ridge, TN 37831 if different from the branch address. You can reach us at 865-482-1043 during our operating hours: Monday through Friday from 7:30 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM. Join us at Y-12 and experience how we can help you achieve your financial dreams while being part of a caring community. Together, let's build a brighter future!

Branch Location & Accessibility

Banking Services

At Y-12, we offer a wide range of services tailored to meet your banking needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we're here for all your financial goals. Plus, with our drive-thru banking service available, you can make simple transactions without leaving your car! For those who prefer digital banking, we provide online and mobile banking options that allow you to manage your finances anytime, anywhere. And yes, we have an ATM on-site for quick cash withdrawals and balance checks! While members can visit us at 501 Lafayette Dr Oak Ridge Tn 37830, official correspondence should be sent to our mailing address at 501 Lafayette Drive, Oak Ridge, TN 37831. We invite you to come see how Y-12 can support your financial needs today! Whether you're looking for advice or just want to chat with our friendly staff, we're excited to welcome you into our community.

Convenient Access

Located near familiar landmarks such as the Oak Ridge High School and the American Museum of Science and Energy, finding us is easy! You can enjoy hassle-free parking right outside our branch. We also prioritize accessibility for all members, featuring ADA-compliant entrances and ramps to ensure everyone can visit us comfortably.

Operating Hours

Our doors are open during convenient hours to fit your busy schedule. Stop by Monday through Friday from 7:30 AM to 5:30 PM, or visit us on Saturday from 9:00 AM to 12:00 PM. If you have any questions or need assistance, don't hesitate to give us a call at 865-482-1043!

Member Eligibility

At Y-12, we believe that becoming a member is like joining a close-knit family, where your financial well-being is our top priority. If you're looking to experience the benefits of membership, eligibility is simple and inclusive. You can qualify if you live, work, or worship in the Oak Ridge area or are related to an existing member. This means you have a great chance of joining us and enjoying the many perks we offer, such as competitive loan rates and personalized service. For more details on what it takes to become a member, feel free to check out our eligibility criteria at http://www.y12fcu.org/about/membership/. Getting started with us is easy! You can open an account online by visiting https://apply.y12fcu.org/ or give us a call at (865) 482-1043 if you have any questions. Our friendly team is here to guide you through every step. Join us at Y-12, located at 501 Lafayette Dr Oak Ridge Tn 37830, and discover how we can support your financial journey together!

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

Imagine running your business smoothly without worrying about payment processing. Our merchant services make it easy for you to accept payments from customers, whether they prefer cash, cards, or mobile payments. This means faster transactions and happier customers all while keeping your operations running efficiently. Located at 501 Lafayette Dr Oak Ridge Tn 37830 in Oak Ridge, TN, we invite you to discover how our tailored solutions can help your business thrive. For more information, give us a call at (865) 482-1043. Let's grow together!

Comprehensive List Of Services

ATM & Drive-Thru Services

For those who prefer face-to-face interactions or need cash quickly, our branch provides convenient ATM and cash withdrawal services along with basic drive-thru banking options for deposits, withdrawals, and simple transactions. Whether you're stopping by during lunch or running errands on Saturday mornings (we're open until noon!), we're here for you. We invite you to explore all that we have to offer at Y-12, where financial solutions meet community values. For any questions or more information about how we can assist you on your financial journey, please reach out at (865) 482-1043 or visit us online at Y-12 Fcu Oak Ridge Branch. Your future starts here!

Business Banking

If you're a business owner, our business banking services cater specifically to your needs. From essential merchant services that simplify transactions to business loans designed for growth, we are here to support your entrepreneurial journey.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why at Y-12, we offer robust online and mobile banking platforms. You can access your accounts anytime, anywhere, ensuring that managing your finances is always just a click away. Our features include easy bill pay, fund transfers, and even person-to-person payments ideal for splitting dinner bills or paying back friends.

Credit Solutions

We also understand the importance of credit in achieving your financial goals. That's why we offer credit cards with rewards, allowing you to earn points on everyday purchases while enjoying the benefits of manageable repayment options.

Personal Banking

Our personal banking options start with flexible checking and savings accounts designed to help you manage your everyday finances effortlessly. Whether you're saving for a special occasion or just want to keep your money secure, we offer accounts that fit your lifestyle. If you're looking to purchase a vehicle, our auto loans and vehicle financing services can help you get behind the wheel with competitive rates and terms that work for you. For those considering homeownership, our mortgage loans and refinancing solutions make it easier than ever to find the right loan for your dream home. Plus, if you're dealing with debt, our personal loans and debt consolidation options provide a straightforward way to regain control over your finances.

Digital & Online Banking

Convenient Online Banking

Our online banking platform, accessible at https://www.y12fcu.org/, allows you to check balances, pay bills, and transfer funds with ease. Whether you're at home or on the go, you can enjoy 24/7 access to your financial information. You'll find it user-friendly and packed with features that make banking straightforward.

Go Paperless with E-Statements

Say goodbye to paper clutter! With our e-statements available at Yes, you can receive your account statements electronically. This not only saves trees but also allows you to view your statements anytime from your device. You'll have all your important information right at your fingertips.

Mobile Banking Made Simple

For those who prefer banking on their mobile devices, we offer a robust mobile application through which you can manage your accounts seamlessly. Our app includes features like mobile payments, so you can make purchases directly from your phone ideal for those quick trips out!

Person-to-Person Transfers

Need to send money to a friend? With our person-to-person transfer service available at Yes, sending money is as simple as a few taps on your phone. It's perfect for splitting bills or sending gifts quickly and easily.

Secure Access and Electronic Signature

Your security is our top priority. We provide electronic signature authorization via Yes for added peace of mind when completing transactions online. You can bank confidently knowing that your personal information is protected. In summary, digital banking at Y-12 is all about convenience and security. From accessing e-statements to making quick transfers, we empower our members to manage their finances efficiently while enjoying peace of mind with advanced security measures. Embrace the future of banking today!

Financial Strength

Efficient Operations

Our operational efficiency is reflected in our $20,855,359, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 359 full-time employees and 0 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Investment in Growth

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.

Our Solid 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.

Secure Savings for Members

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.

Trustworthy Membership Growth

We have a strong and growing member base that trusts us with their finances, as shown by our total share accounts of 236,372. Additionally, net shares available for lending and investments stand at $1,141,107. 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 501 Lafayette Dr Oak Ridge Tn 37830 or call (865) 482-1043 to learn more about how we can help you achieve your financial goals.

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 competitive interest rates, ensuring you can drive away in your ideal vehicle without breaking the bank.

Business Loans

For business owners, our outstanding commercial loans totaling $327,061,618 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to improve your existing business, we are here to support your ambitions. At Y-12, we're committed to making borrowing straightforward and accessible. To learn more about our loan offerings or start an application today, please contact us at (865) 482-1043 or visit us at 501 Lafayette Dr Oak Ridge Tn 37830 in Oak Ridge, TN. Remember, 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 towards achieving your financial dreams!

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 simplify the mortgage process so you can focus on settling into your new home. If you're considering refinancing, our team is here to discuss eligibility options that may benefit you.

Unsecured Credit Card Loans

Managing finances can sometimes be challenging, which is 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, our credit cards come with rewards and low-interest rates designed to fit your lifestyle.

Loan Aggregator

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Ensuring Accurate Comparisons

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