Y12FCU Mobile Banking App Free No Ads

Y12FCU Federal Credit Union’s mobile app makes it easier than ever to manage your accounts from anywhere!


The mobile app is safe and secure when you access your account on your mobile device, providing you with quick access to check balances, view transaction history, transfer funds, and pay loans on the go! You can apply for a loan, pay a bill, or make a deposit by snapping a photo of your check and submitting it electronically*. You can even log in with your fingerprint with capable devices! Y12FCU’s app can also help locate our branches and no fee ATMs in our network. It can also locate branches within the shared branching network nationwide.

*For qualified members/accounts. Some restrictions may apply.

Y-12 Federal Credit Union began in 1950 as the vision of a small group of employees at the Union Carbide Y-12 Plant. From a modest beginning, we now serve over 119,000 members as a full-service financial institution. Y-12FCU is a federally-chartered, member-owned, non-profit financial cooperative. Deposits are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an agency of the U.S. Government.

Membership in Y12FCU is open to anyone who lives, works, worships, or attends school in the following counties in Tennessee:


At Y12FCU you are more than a member – you are part of our family.

Purpose Statement

Y12FCU will be an innovative financial partner, transforming the lives of our members and communities by developing lasting relationships while delivering WOW experiences.

Core Values


  • To our members/owners for making a positive difference in their financial lives.
  • To our communities for improving the welfare of all.
  • To our heritage for financial soundness and fiduciary accountability in all that we do.


  • Dedicated to providing best-in-class member service while continuously seeking any and all opportunities for personal and organizational improvement.
  • Continually seeking to build meaningful relationships with our members and employees, set upon a cornerstone of trust and respect.


  • We get the job done with a total team effort, going the extra mile every day to create a fun and productive environment for our members and our employees.

Service Standards

We will identify your financial needs and offer a solution that will improve your financial life.

We will provide you with accurate and timely information.

We will express our appreciation for your business.

We will treat you with respect and maintain the highest standards of professionalism.

We will always call you by your name.

We will take ownership of your request.

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