Y-12 Credit Union Powell TN | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Y-12, your trusted financial partner in the heart of Powell, Tennessee! Located at 530 E Emory Rd, Powell, TN 37849, we have been serving our community since 1950. As a member-focused credit union, we take pride in providing personalized banking solutions tailored to meet your unique needs. At Y-12, our commitment to our members is reflected in our impressive financial standing. With total assets exceeding $2.1 billion and deposits reaching $3,918,129, we ensure that your hard-earned money is safe and secure. Our thriving membership base of over 115,349 individuals highlights the trust and confidence our community places in us. Our dedicated team, led by CEO Mark Ziegler and Board President David Rupert, works tirelessly to offer a wide range of services including personal banking accounts, auto loans, mortgages, and business banking solutions. Whether you're looking to save for the future or finance a new vehicle, we're here to help every step of the way. While you can always visit us at our branch location, please note that official correspondence should be sent to our mailing address: PO Box 2512, Oak Ridge, TN 37831. Experience the difference with Y-12 today! Call us at 865-482-1043 or visit our website at Y-12 FCU to learn more about how we can assist you in achieving your financial goals. Your journey towards financial empowerment starts here!

Branch History & Mission

Community Engagement and Modern Services

As part of our dedication to serving you better, we have embraced modern technology while ensuring accessibility for all. Our branch features an ATM for your convenience and offers drive-thru banking services for quick transactions. We also prioritize digital advancements like online banking and mobile payments to meet your needs anytime, anywhere. For any correspondence, please note that while you can visit us at 530 E Emory Rd, official mail should be sent to PO Box 2512, Oak Ridge, TN 37831.

Join Us!

We invite you to experience the benefits of being part of Y-12. Our operating hours are Monday through Friday from 9:00 a.m. to 5:30 p.m., ready to assist you with any inquiries or financial services you may need. Call us at 865-482-1043 or visit our website at Y12 FCU for more information on how you can join our growing family today!

Our Mission

At Y-12, our mission is clear: We aim to empower our members by providing access to quality financial services while fostering a sense of community. We believe that everyone deserves the opportunity to achieve their financial goals. That's why we offer a wide range of services from personal banking and auto loans to mortgage financing and business banking solutions. Our commitment extends beyond just offering products; we strive to support community initiatives that uplift those around us. Whether through local sponsorships or educational programs, we aim to make a positive impact on the lives of those we serve.

Branch Location & Accessibility

A Warm Welcome Awaits

At Y-12, we believe banking should be easy and inviting. Our branch is equipped with features that cater to all members. For those who prefer a quick visit, we offer a drive-thru service for deposits and withdrawals, making it simple to manage your finances without leaving your vehicle. And if you need to access cash or check your balance, our ATM is available on-site for your convenience.

Come Say Hello!

We invite you to stop by Y-12 in Powell today! Whether you're a long-time member or considering joining us for the first time, our team is here to ensure you have a positive experience. Feel free to call us at 865-482-1043 if you have any questions or need assistance before your visit. We look forward to welcoming you!

Experience Banking Made Easy

Y-12 offers a variety of services designed with you in mind: personal banking solutions such as checking and savings accounts, auto loans, mortgage options, and even business banking services. Plus, with online and mobile banking capabilities, managing your money has never been easier. We are committed to providing accessible services for everyone. Our branch complies with ADA standards and features ramps for easy entry.

Visit Us During Your Busy Day

Our doors are open Monday through Friday from 9:00 a.m. to 5:30 p.m., allowing you to stop by before or after work or during your lunch break. If you're looking for personalized assistance, our dedicated team is ready to help you with everything from checking accounts to loans tailored just for you. While members can visit us at 530 E Emory Rd, official correspondence should be sent to PO Box 2512 in Oak Ridge, TN. This ensures we receive your important documents securely while keeping our branch activities running smoothly.

Member Eligibility

Joining the Y-12 community is a wonderful step towards securing your financial future and becoming part of a supportive network. To become a member, you simply need to meet some friendly eligibility criteria. If you live, work, worship, or attend school in the area around our branch at 530 E Emory Rd Powell Tn 37849, you're already on the right path! Additionally, family members of current members can also join. This means that whether you're just starting out or looking for better financial options, Y-12 is here to help you with personalized services tailored just for you. Opening an account is easy and straightforward! You can find all the information you need to get started by visiting our website at https://apply.y12fcu.org/. If you have any questions or need assistance, feel free to call us at (865) 482-1043. For more detailed eligibility criteria, check out our resource page at http://www.y12fcu.org/about/membership/. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer practical merchant services that make daily operations smoother. From credit card processing to online payment solutions, we ensure your business can accept payments conveniently and securely. This allows you to focus on what truly matters growing your business. Visit us at 530 E Emory Rd Powell Tn 37849 in Powell, TN or call us at (865) 482-1043 to learn how we can support your business goals today!

Tailored 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.

Comprehensive List Of Services

Business Banking Services

At Y-12, we understand the unique needs of local businesses. That's why we provide comprehensive business banking solutions that include merchant services and business loans. Whether you're looking to expand your operations or manage daily expenses, our team is here to support your growth.

Convenient Access

We know how busy life can be, which is why we've made access to your accounts easy and convenient. Our drive-thru banking allows you to perform simple transactions like deposits and withdrawals without leaving your car. Additionally, our ATM services let you withdraw cash or check balances whenever necessary.

Digital Banking Features

In today's fast-paced world, having control over your finances at your fingertips is essential. With Y-12, you can enjoy features like online banking, mobile payments, person-to-person transfers, and electronic statements all designed for your convenience. Whether you're accessing your account from home or on the go, our digital tools ensure that managing your money is straightforward and efficient. We invite you to visit us at 530 E Emory Rd Powell Tn 37849 in Powell, TN, or call us at (865) 482-1043 if you have any questions about our services. Our dedicated team is here to help you navigate all of your financial needs with confidence. Join us today at Y-12 Fcu Powell Branch, where we're more than just a credit union we're a community partner invested in your success!

Personal Banking Solutions

When it comes to personal banking, Y-12 offers various checking and savings accounts designed to fit your lifestyle. Imagine effortlessly managing your finances with our easy-to-use online and mobile banking platforms. You can check your balance, transfer funds, and even pay bills right from your smartphone or computer. If you need financing for a new car or want to refinance your existing vehicle, our auto loans provide competitive rates that make it simple to get on the road. We also offer mortgage loans and refinancing options for those ready to purchase their dream home or lower their monthly payments. For those unexpected expenses or plans that require extra cash, our personal loans and debt consolidation services can help you regain control over your finances. Plus, our credit cards come with rewards that allow you to earn as you spend.

Digital & Online Banking

Key Features

Our online banking platform allows you to view your account balances, pay bills, and transfer money with just a few clicks. You can also enjoy the convenience of electronic statements, making it easier to keep track of your finances without the clutter of paper. Plus, if you need to make a quick payment or send money to friends and family, our person-to-person transfer feature is here to help you do just that. If you prefer banking on your mobile device, you'll love our mobile application. It's user-friendly and packed with features that let you manage your accounts from anywhere. You can even make mobile payments seamlessly, giving you more flexibility in how you spend and manage your money.

Security and Accessibility

At Y-12, we prioritize your security. Our online banking system uses advanced encryption technology to protect your personal information. Additionally, we offer electronic signature authorization for certain transactions, ensuring that everything is completed safely and securely. With e-statements available, you can say goodbye to waiting for paper statements in the mail. This not only saves time but also helps reduce your environmental footprint. Every feature we provide aims to give you peace of mind while allowing for real-time account management. Whether you're checking balances or transferring funds, our digital banking services are designed for ease of use and accessibility. Explore all these features today at https://www.y12fcu.org/ and take control of your financial journey with confidence!

Financial Strength

Commitment to 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 members' financial goals across various sectors with $20,577 in used auto loans and $1,702,214,799 in total loans and leases.

Growing Member Base

Total Share and Deposit Accounts stand at 236,372, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $1,141,107, further illustrating our commitment to making your money work for you. 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 530 E Emory Rd Powell Tn 37849 or call (865) 482-1043 to learn more about how we can help you achieve your financial goals.

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 also take pride in having 359 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

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.

Strong Capital Foundation

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

Additional Options

Additionally, if you're considering refinancing existing debt or exploring eligibility options for any of our loan products, our team is here to assist you. We aim to make financing accessible and beneficial for everyone. For more information or to discuss which loan product is right for you, feel free to reach out at (865) 482-1043, or visit us at 530 E Emory Rd Powell Tn 37849 in Powell, 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. Explore how Y-12 can help you achieve your financial aspirations today!

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 offer flexible terms and competitive rates to make sure you can drive away with a vehicle that fits your lifestyle.

Business Loans

If you're a business owner, our outstanding commercial loans totaling $327,061,618 provide the capital needed to grow and expand. Whether it's for inventory, equipment, or operational costs, we have solutions that suit various business needs.

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 work with you every step of the way to find the right financing solution tailored to your situation.

Unsecured Credit Card Loans

For those who prefer flexibility, we also offer unsecured credit card loans, with a total of $52,349,837 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards options that can help you maximize your spending power.

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 means that users receive fair and transparent offers tailored to their needs. By working closely with trusted institutions, LendMesh guarantees that the information provided is both accurate and current.

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