Y-12 Federal Credit Union Lafayette Dr, Oak Ridge

I love Y12. The branch staffs are friendly and knowledgeable. They provide excellent service and financial products. The mobile app is awesome. The hours are better than any bank I have belonged to (but to be fair I haven't been a member of a bank in over 20 years). I cannot say enough good about my Y12. Lower fees, better service, great financial instruments. It's just great.

Y12 has always been so trustworthy with everything I’ve needed. Such amazing competitive rates! Been with them since I got my first job when I was 14 and started a savings account all the way to now being engaged and saving for a home. They’ve been there through it all! Thank you Y12!

I appreciate that Y 12 kept their lobby open throughout the pandemic. I was on chemo and battling cancer and it was difficult for me to make appointments ahead of time since I never knew how I was going to feel and when I would feel well enough to run errands. The bathroom is very clean and easily accessible which was necessary for me when I was ill. The staff are friendly and have been very kind to me.

This morning I received a call back from Joseph Maples after submitting a loan application about four days ago. So first that’s a long time in the mortgage business to wait for a call back. Second when I told him this morning, very politely, I would be going with someone else he hung up on me as I was saying thank you and have a great day. Just hung up. Such poor customer service that I think I will talk to my family about pulling their business. They have been dissatisfied many times before with the service and I think this might compel them to go elsewhere. I am very curious as to how this business received 4.8 stars. If someone would like to contact me and explain I am all ears.

Y-12 Federal Credit Union treats you like you are a cherished member of their community (which, technically, you are). While other credit unions act like banks, Y-12 remembers they are there to take care of our financial needs. Conscientious, thoughtful staff that follows through!

Branches and employee's at them are top notch. The higher ups leave alot to be desired. Have had problems with them and also heard of numerous others having issues. Would think twice about new folks doing business with them.

Very nice and helpful people. The online banking app is easy to use and helps out by not having to make so many trips to the bank.

We always y12 They are nice and fast. And don't have to go anywhere just from my home doc u sign is great.

I have always had good service with Y12. They have always been responsive to anything that may arise. I mostly use mobile banking, but I do like being able to go into the bank when I need to. Always friendly. I still can't get use to wearing a mask inside any bank. That's about the only thing I think is so wrong.

This is a really good bank. However, they desperately need a way for customers to make contact with a person that can help after their normal business hours. It really is not fun waking up and your card being locked.

Y-12 FCU watches out for its members. I have an unfortunate combination of complex financials and a forgetful mind. There have been several times when I've double-paid for one car and ignored the other only to have a Y-12 agent give me a call to clear it up before it is a problem .

I love using Y-12 FCU, they are the best bank. I feel like my money, time and business is safe with them.

Extremely nice and professional staff. They took time to thoroughly explain everything during the process. I'm extremely happy to be banking with them.

Transfered from a local bank a few years ago. Have not had any problems with this FCU. Very satisfied. Couldnt say the same about the hometown bank.

Friendly employees that always go above and beyond ones needs. Make you feel like family not just another customer.

They always have great rates and the application process is easy. I highly recommend them.

The best bank in the states!!! The customer service is far superior. Kind, professional, patient with a genuine concern for their customers. I thank my Lord for showing me this institution as I am over 65 now and there have been so many changes in this world it can be nerve racking to say the least but I know I am safe and cared for with Y12.

They were able to do everything online. It was very easy and didn't take long. Able to get the terms advertised. Considering changing all of my banking needs to here.

Y12 is a great financial institution! Excellent rates, friendly and knowledgeable staff, and good loan products. I use Y12 as my primary bank, and will definitely continue to do so. Shelly G

I’m always pleased with Y-12. The employees are great and always make me feel valued. Anytime we have a need for a loan, we know we can count on Y-12 to serve us well. And, on the rare occasion that we encounter a problem, they are quick to resolve the issue. I have recommended them to many friends and family members and will continue to do so.

Have banked with Y12 for over 25 yrs. and receive professional service now just as I did years earlier. They care about their members.

I have been a member for a long time and have never had any issues. The employees have always been professional and friendly.

Very crooked and dishonest credit union. They falsely report inaccurate things to the credit bureaus and then when you call for them to fix it, they say that you have to dispute it through the bureaus. Knowing that it will take another 30 days to resolve.

Y-12 is top notch! Love the personal touch and friendly employees.

A Vanilla Credit Union, Lower fee structure, regular services provided by any financial institution. Not a financial partner. I have a variable rate mortgage with no offer to convert to a fixed rate when interest rates were lower. A couple of high interest loans that don't help my financial life. I have better rates from other institutions. Leaving to go to another financial institution that offers better services and rates as soon as possible. Not a bad CU just ordinary.

They are very nice, friendly and very professional. The overall feel is warm and caring.

Y12 is not very interested in depositing customers .It appears to me they are mostly interested in customers to make loans ..This has been my experience .

Love doing business with Y12. the branch is always helpful and friendly. When I needed advise with moving my 401K and investing they were very helpful. They were also helpful when I was looking to buy stock.

Had a great experience, processor was extremely nice and helpful made the experience wonderful.

I have done business with Y12 credit union since 2008. They have helped our family as well as my Dad and now my Mom. They are friendly and helpful. I would recommend them to others. Thanks again.

My Debit card had been compromised so I called immediately and the girl locked usage and advised me to GI to my local branch for a new card. I did go to my local branch and the teller was extremely helpful. She ask for my driver license to confirm my identity, reviewed transactions and supplied me with a replacement card all before wishing me a great day!!! Problem solved. Thank you Roane Branch.

Great Rate! Fast easy loan all done online during my lunch hours.

Friendly employees great mobile app Never have issues with anything

Used to be great, but now they use predatory practices to "tax" their poorest customers. If you are a great customer that hasn't bounced a transaction in decades, but don't move enough money through your account for their liking, you now are charged a monthly fee. No longer do they offer free checking accounts & if you had one, you were converted without warning, at least in my case.

Very happy with the secure and frustration free banking with Y-12. always feel like a preferred customer no matter what transaction is being done. The website and app are so efficient and easy to use.

Friendly people, quick to help and has a great selection of services/products.

Excellent customer service, never going to use a bank again.

For 25 years I've been banking with Y-12 Credit Union now! I am totally happy with the great response from the staff that I contact occasionally for help with my VISA card or changing email address or monthly statement history. Y-12 has excellent customer service and a very user friendly website and phone app. The phone app is great for depositing checks online from home with only a couple of photos of the check! This has been a real gas and time saver! The Y-12 Visa card has CASH BACK and no fee! The Y-12 overdraft protection has really saved us many times. Y-12's Online Bill Pay is super easy to set up too! And the best part of all is that Y-12 Credit Union services are all FREE since each member is a shareholder unlike the privately owned banks which charge a fee for everything so that the bank owner profits.

Truthfully the best bank I've ever dealt with. Always kind and courteous, as well as fast and efficient. I've never had a problem with any of my accounts, nor I foresee any problems in the future. I've never felt more welcomed and taken care of at another institution.

Communication was left wanting and certainly lacking from the lending department. I had to reach out multiple times for information on my Helock loan progress and status. As a realtor doing a personal loan, I would have thought there would have been more contact, but they seem quite busy or otherwise occupied. I finally added in the department manager for all correspondence. I will say Sophie, the notary for the closing was wonderful and quite helpful. Note the Loan Officer was in the building, but didn't take the time to even come meet or introduce herself as she works from home still. Again was in the building for a call. I wouldn't recommend them to my clients at this moment if it were a timely issue or communications weren't improved.

From all the other credit union banks locally I use, Y-12 has been the most user friendly. I have never had a problem, and would recommend them to anyone looking for a bank to use.

Have been banking with Y-12 for several years now, and have financed through them multiple times. Extremely satisfied with the level of service and the helpfulness of the employees. Great local banking establishment.

My family has been apart of the Y12 since before they moved to Maryville, even helped get the Maryville branch open. My husband and I were welcomed by Valerie with warmth and accommodation. We look forward to many years with y12!

I have been pleased with all of my visits to Y-12 FCU within the past year. Keep up the great service to us members !

Even living out of state, they take care of me. Been with them for over 10 years, hoping that wherever life takes me, I can remain with them.

I love the mobile app. I love being able to deposit my checks through the app. It's super efficient and user friendly. Everyone at Y-12 is friendly and helpful.They called me within two weeks of opening my account to refinance one of my loans. I was just switching banks but it was an awesome perk! Took me from a 17% interest rate to 4.9%. I've been extremely satisfied with Y-12 so far. I'm glad I made the decision to open an account.

Deidra was awesome! As a new member I was treated better than my last credit union. She made sure to go above and beyond to help me out with a loan. All over the phone and through computer. I was really impressed by her and how this FCU operates. I will be switch all my finances over to Y12.

As before, my experience with Y-12 has been nothing but excellent. Highly recommended.

I've been banking since I moved to Oak Ridge in 2008. While tellers have moved up in positions or simply moved on over the years, I've always has excellent interactions with each one. Since PTMs became available, this "extended" hours capability has been amazingly useful both whenever I've lost track of the hour and if I was in a meeting that ran longer than the bank's regular in-house operating hours. That's about it.

Excellent customer service. I would recommend Y-12 very highly for all banking needs. Very satisfied with their service.

Great people, helpful and knew how to help right off the bat. Understanding in what my needs was.

Hands down probably the best credit unions around they make you feel like a friend instead of just a number or money sign

I've been banking at this credit union for over 15 years. Every employee I've encountered has been cheerful and helpful. The personal tellers are great and I love the ease of use of the mobile app. I recommend Y12 to all my friends and family. There is nothing not to like!

I only use Y-12 for my boat loan. Terms and help with the loan were good. My challenge is that I have to physically deposit a check due to their inability to apply payment from my other bank properly. 2 times in a row, the payment could not be properly applied (after consulting with Y-12 specifically about it) and the funds are delayed in returning to my other account. Also, the on-line bill payer app was NOT good when I tried it 3 years ago. That is why I had to go with another institution to make my payments on the boat. If that is better, I would rate them higher. I just don't want the frustration of risking it again.

I manage my Dad's account for him. About a year ago I upgraded his checking to high yield checking at the great suggestion of a customer service rep. The interest dividend was very good. However Y12 FCU completely changed the dividend structure, reducing the monthly dividend by half as of June 1st 2021. I did not like this at all! Everything else if fine.

I have been a member since approx. 2004. I have had 2 auto loans with Y12 even though I now live in S FL. They still have maintained the friendly attitude that I miss from TN. Having video conference features now helped a lot with my financial needs. I feel like a valued member at Y12, not just a number, which is the case with many larger banks. All of my experiences with Y12 have been awesome.

I have been a member for more years than I can remember and the service is outstanding. They have excellent customer service, competitive rates, and their personal tellers are open past lobby hours. All in all they are a five star in my book. Thanks for years of great service!

Love Y12 Federal Credit Union. I've been a member for over 20 years. I've had problems over the years, not with Y12 but, with others. They are always happy to do what they can to help...and have! They treat you the same whether you have $100 or a million dollars. Never worry about my account or my grand's account. I'll continue to bank with Y12...forever.

My experience at Y-12 was pleasant; I was treated decently.

My husband and I joined Y-12 FCU when we moved here to TN. We are so happy we made that choice. Y-12 has saved us so much money with their lower rates and helpful people to making the loan process each time quick and painless. We have had multiple loans over the years. The employees, whether it be by phone, in person, or via web have always been friendly and knowledgeable. Thank you Y-12 FCU. We look forward to many more years of membership.

What a great experience!! I applied for a checking account and a loan on a Saturday and I received a call back Tuesday morning with great news that literally changed my life. Probably would have heard from them Monday but it was a holiday. Ashley was great, very knowledgeable about all services Y-12 has to offer and based on my needs she hooked me up with the best service to fit my needs. Another member named Drew was also very helpful. I will most definitely reccomend Y-12 to all my friends and family. Thank you so much Ashley Ray and the Y-12 team!

This 5-star review has more to do with one particular employee, Sharon Coleman, than with this particular bank location as a whole. My wife and I are new to Y12 FCU, so although we are very pleased so far, the jury is still out on this particular bank location because we simply have not had the opportunity to experience enough of their services to provide a reliable rating. On Monday, after sending a thank you card to Sharon at her workplace, I attempted to reach her supervisor or manager or other bank officer over her to commend Sharon to them, but after leaving a message with the call-taker who attempted to reach that person, I never received a call back, so I am leaving my review here instead. We met Sharon last week when we switched banks from Regions to Y12. She did the usual thing of helping us to set up our accounts, but it didn't stop there. Over the next few days, she continued to work on her own, without any pressure or nudging from me, to set up various accounts that we had requested and to prepare our credit application and so much more. She stayed on top of everything, and I didn't have to reach out to her for any updates, for she was reaching out to me. The communication was excellent, and the care she showed for our banking experience was unsurpassed. She went above and beyond what one would expect from a banker when joining a new bank, and it made the transition from the other bank so much easier and less stressful than it would have been otherwise. Making a bank switch can initially result in some "cold feet", but her actions alleviated most of that and now we are thrilled to be at Y-12. So, I want to tell the Y12 management, especially those at the Oak Ridge headquarters, and the local community what a great representative of the bank this Sharon Coleman is, and I sincerely hope that she continues to rise within the company, for she is outstanding and her services are exceptional. UPDATE: After I left this review this morning, a Jennifer, who is an assistant manager at Y12 FCU in Oak Ridge, reached out to me this afternoon regarding my review, saying she had seen it. She also praised Sharon and encouraged me to call again if I have any questions or concerns about anything while banking at Y12.

When I transferred my account from Home Federal to Y-12, I sometimes have difficulty adjusting to the new way you do the bank statements. Home Federal sent me a statement covering the entire month. I could figure the outstanding checks as well as the ATM transactions. At Y-12, I have to go into the branch and have teller print a hard copy of transactions from the first of the new month to present date and then give me a balance after I check my transactions with statement & checkbook. This is a little difficult and takes some adjustment on my part.

Since the pandemic I have been spoiled with this app. No longer have to wait in line to deposit my check!

I have been with this bank for several months and they are fantastic. I also loved how they can make your debit card at the bank(no waiting for it to come in the mail). There are very few fees depending on what account you open. You won't be disappointed banking here.

Was really disappointed when The Harden Valley Rd branch went fully automated. It was my favorite. But There is another branch fairly close that is still maned by people. I guess it's now my favorite. Banking is good and account security is good.

I love the employees at Y12, They are knowledgeable, caring, and very considerate of the customer. They will go beyond their knowledge to help a customer by transferring to others who have the knowledge while some may still be learning. I would highlly recommend Y-12.

Y-12 always has friendly service and I can always rely on them to help me with any questions or concerns that I have with my banking. They also made my loan experiences very easy and stress free.

I Love the people and the superb service I receive from this bank. The employees are always friendly and professional. I will be doing business with Y12 Credit Union for as long as they are in business.

Very friendly and fast about getting me in and out. If I've ever had an issue they have helped and got it fixed. Love banking with Y-12

Only giving a 4 star rating because you can always do better, but I was blown away with how helpful the employees were. Debra (I believe her name was) made the process of creating an account so easy even when I threw multiple curveballs her way. I also talked to a young man to clear up a simple question and the wait time was very limited and he did a great job explaining the solution so I could understand it. Again, I was blown away.

I've been a member since 1977 great experience all the time.

Absolutely the best experience purchasing a car I've ever had!