Y-12 Federal Credit Union is an East Tennessee not-for-profit credit union offering personal and business banking, loans, mortgages, credit cards, insurance, investments, and digital services.

Y-12 Federal Credit Union provides individuals and businesses with checking and savings accounts, credit cards, auto loans, mortgages, business services, insurance options, investment partners, and online and mobile banking. Serving East Tennessee, Y-12 focuses on relationships, community support, and practical financial solutions. Use Fluz on eligible purchases to earn cashback, stack rewards with your preferred payment method, and make qualifying everyday spending more rewarding.