Back to Oak Ridge credit unions

Y-12

501 Lafayette Drive, Oak Ridge, TN 37831
NCUA Insured4.8 (3,570 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1950

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

501 Lafayette Drive

Oak Ridge, TN 37831

Service Area

This credit union is located in Oak Ridge and serves members in the TN area. Currently serving 136,401 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.74%

Used Auto Loan

6.24%

Personal Loan

12.49%

Credit Card APR

15.24%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TN

Lowest rates currently reported by credit unions in TN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(25 total)

Member Reviews

4.8

3,570 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Joshua Boleware

Joshua Boleware

3 months ago

After over 10 years and maintaining three accounts, including multiple CDs and investments, I have officially closed all my accounts with Y-12 FCU. Despite my loyalty, the investment department is nearly impossible to reach; my calls regarding CD rates and percentages were consistently ignored. Furthermore, my experience trying to secure a home loan with Mr. Maples fell short of professional expectations. The final straw was when they held a five-figure check for over a month due to "fraud allegations." Even during a family emergency where I only needed a small fraction of those funds, they refused to cooperate. I am done being micromanaged and treated like a child with money I worked hard for. If you want a bank that respects your time and your business, look elsewhere.

Audry

Audry

4 months ago

Loan officer Robin was super helpful, highly motivated and completed my vehicle loan within minutes! Highly recommend her—she’s really nice and knowledgeable. Highly recommend this bank always great service!

Colin Kirk

Colin Kirk

4 months ago

I'm been a faithful member here since 2008! My house is PAID for Free and Clear! I've had Multiple loans and paid them off early. I come in to consolidate two small loans asking for $10,000 via Signature loans and they deny me knowing my Money is always early and ON TIME! Unless the Director makes an executive decision and grants me the money that I should rightly have access too immediately I will be closing all accounts and never doing business here again!!!! If they don't make this right then they don't care about your "Why" nor any part of 'How" to solve such a small problem!

Shannon Martin

Shannon Martin

4 weeks ago

The best customer care ever, I just love Olivia at the Kingston pike location, she's the Greatest! Always so welcoming and helpful

Debra Prater

Debra Prater

3 months ago

They made it so easy and quick to get my RV funded ,I skipped all the paperwork at the dealership and they took care of everything online thank you vince

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).