At a glance
From its website, read 2 Nov 2026Y-12 Federal Credit Union is a credit union based in Oak Ridge, Tennessee. Its website describes auto loans, commercial real estate loans, credit-builder loans and 3 other loan types. Consumer loan APRs stated on its site range from 5.5% to 5.99%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (800) 482-1043 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.y12fcu.org |
| Office (official list) | 501 Lafayette Dr, Oak Ridge, TN 37830 |
What their website says about applying
Before applying online, be sure to check your Online Banking or Mobile App for pre-approved loan offers.
sourceGet started with a quick application.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Rate: 5.5% APR | Payment example: A 5/5 30-Year loan of $200,000 for 30 years at 5.500% interest and 5.613% APR will have a monthly payment of $1,149.80. | source |
| Home mortgages | Rate: 5.99% APR | Payment example: A 15/15 30-Year Adjustable Rate Mortgage of $200,000 for 30 years at 5.990% interest and 6.108% APR will have a monthly payment of $1,213.02. | source |
| Home mortgages | Term: up to 30 yr | Payment example: A 15/15 30-Year Adjustable Rate Mortgage of $200,000 for 30 years at 5.990% interest and 6.108% APR will have a monthly payment of $1,213.02. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Minimum credit score: 640
640 credit score minimum
source - Income limit applies
Income limit of 115% of the area median income
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 12 Jan 2022 |
| RSSD ID | 940786 |
| Address | 501 Lafayette Dr, Oak Ridge, TN 37830 Directions (Google Maps) |
| Website | www.y12fcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No service area or geography is stated on the pages fetched; the lender's home page and loan pages are otherwise thin on eligibility details. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | From buying your first car to upgrading your vehicle, tackle your auto loan with ease. | source |
| Commercial real estate loans | — | Our commercial mortgages make owning, re-financing or renovating commercial real estate easy and affordable. | source |
| Credit-builder loans | — | Whether you're starting out or making a fresh start, establish and build your credit. | source |
| Home mortgages | $50,000 – $400,000 | Minimum loan amount $50,000, maximum loan amount $400,000 | source |
| Personal / consumer loans | — | our personal loans make it simple to focus on what truly matters. | source |
| Small-business loans | up to $500,000 | A Y-12 Business Installment/Term loan is a secured fully amortized loan up to $500,000 for small businesses. | source |
Loan sizes
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply For A Loan Online
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and small-business loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.4 million in 2 awards from the U.S. Treasury's CDFI Fund, 2022–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $900,000 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as Y-12 (charter 6775). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $2.8 billion (as of 30 Jun 2026) |
|---|---|
| Members | 137,984 (as of 30 Jun 2026) |
| Offices | 22 in 2 states (as of 30 Jun 2026) |
Offices by state and county (22)
Tennessee (16 offices)
- Anderson County (3): 501 Lafayette Dr, Oak Ridge 37830 (main office); 101 Crosspark Dr, Clinton 37716; 450 N Charles G Seivers Blvd, Clinton 37716
- Blount County (2): 2901 Old Knoxville Hwy, Maryville 37804; 624 W Lamar Alexander Pkwy, Maryville 37801
- Campbell County (2): 2550 Jacksboro Pike, Jacksboro 37757; 1011 E Central Ave, La Follette 37766
- Knox County (6): 13128 Kingston Pike, Farragut 37934; 2377 Cherahala Blvd, Knoxville 37932; 6640 Clinton Hwy, Knoxville 37912; 9133 Middlebrook Pike, Knoxville 37923; 9245 Kingston Pike, Knoxville 37922; 530 E Emory Rd, Powell 37849
- Loudon County (1): 391 Highway 321 N, Lenoir City 37771
- Roane County (1): 1715 Roane State Hwy, Harriman 37748
- Sevier County (1): 1203 Dolly Parton Pkwy, Sevierville 37862
Kentucky (6 offices)
- Bell County (3): 1820 Cumberland Ave, Middlesboro 40965; 815 E Lothbury Ave, Middlesboro 40965; 287 US Highway 119, Pineville 40977
- Fayette County (1): 3620 Walden Dr Ste 100, Lexington 40517
- Laurel County (1): 400 S Main St, London 40741
- Whitley County (1): 1048 W Highway 92, Williamsburg 40769
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Y-12 Federal Credit Union (NCUA charter 6775, filed as “Y-12”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $2.26 billion, 76,898 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 24.3% from $1.82 billion on 30 Jun 2025 |
| Members | 137,984 (as of 30 Jun 2026); 120,298 (as of 30 Jun 2025) |
| Loans per member | $16,357 (total loans divided by members, 30 Jun 2026) |
| Total assets | $2.76 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $138 million | 6.1% |
| Used vehicle loans | $535.2 million | 23.7% |
| First-lien home mortgages (1-4 family) | $636.8 million | 28.2% |
| Other real estate loans (junior liens, other) | $160.5 million | 7.1% |
| Commercial (business) loans | $596.9 million | 26.4% |
| Credit cards | $61.4 million | 2.7% |
| Other unsecured loans | $62.7 million | 2.8% |
| Leases and other secured loans | $65.6 million | 2.9% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Y-12 Federal Credit Union reported 988 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $193.3M (median loan about $115,000). 213 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 213 | 22% |
| Refinance (incl. 281 cash-out) | 314 | 32% |
| Home improvement | 329 | 33% |
| Other purpose | 132 | 13% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 988 | 100% |
Included above: 669 home-equity or other open-end lines of credit; 33 loans on manufactured homes; 31 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 38 counties with at least one; 98% of its 2025 loans were for properties in Tennessee:
- Knox County, TN (330)
- Blount County, TN (151)
- Anderson County, TN (145)
- Roane County, TN (66)
- Campbell County, TN (64)
- Sevier County, TN (50)
- Loudon County, TN (43)
- Morgan County, TN (27)
Filed under LEI 5493004NO7XCFVG4KD53 as “Y-12 Federal Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $2.76 billion | Larger than 100% of the 11 other certified credit unions in Tennessee (median $141.8 million). |
| Loans as a share of assets | 82% | Median of the same 11 credit unions: 75%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $1.82 billion → $2.26 billion (+24%) | Median change of 11 other certified credit unions in Tennessee: +7%. Rank by loans held among these 12: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 988 | More than 93% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Tennessee | 11 | larger than 100% |
| Loans held then vs now | certified credit unions in Tennessee reporting both dates | 11 | rank 1 → 1 of 12 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 93% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Oak Ridge and Tennessee
- Tennessee Members 1st FCUCredit union · Oak Ridge, TNAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home mortgages…Verified
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
Work at Y-12 Federal Credit Union? Link to this page
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