Institution Type

Direct Lender

Marketplace Lending Platform

Other Institution

Broker

Nonbank Financial Service Provider

Financial Technology Company

Bank

Credit Union

Community Bank

Bank Partnership

Non-Profit

Business Hours (PST) - Monday

Business Hours (PST) - Tuesday

Business Hours (PST) - Wednesday

Business Hours (PST) - Thursday

Business Hours (PST) - Friday

Business Hours (PST) - Saturday

Business Hours (PST) - Sunday

Time Zone

New York (Eastern Time)

Chicago (Central Time)

Denver (Mountain Time)

Phoenix (Mountain Time no DST)

Los Angeles (Pacific Time)

Anchorage (Alaska Time)

Honolulu (Hawaii-Aleutian Time)

London (Greenwich Mean Time)

Berlin (Central European Time)

Moscow (Moscow Time)

Shanghai (China Time)

Manila (Philippine time)

NCUSIF Insured

Limited Liability Company (LLC)
Incorporation (Inc.)
Corporation - C Corp (Corp.)
Corporation- S Corp  (Corp.)
Corporation- B Corp (Corp.)
Corporation - Nonprofit (Corp.)
Sole Proprietorship
Partnerships

Business Structure

Limited Liability Company (LLC)

Corporation - Nonprofit

Corporation - C Corp

Corporation - B Corp

Corporation - S Corp

Partnership

Sole Proprietorship

Support Options

Online Knowledge Base

Phone Support

Online Chat Support

Email and Ticketing

Local Branches

Social Media

Deposit Insurance

Member FDIC

Member SIPC

Insured by NCUA

No Origination Fee

No Prepayment Fee

Application Accepted

Co-borrower

Cosigner

Individual Applications

Credit Score Range

Property Type

Condominium

Single Family Home

Townhome

Multi-Family Home

Manufactured/Mobile Home

Investment

Primary Residence

States Offered

WV - West Virginia

WY - Wyoming

GU - Guam

AS - American Samoa

MP - Northern Mariana Islands

PR - Puerto Rico

VI - United States Virgin Islands

AK - Alaska

AL - Alabama

AR - Arkansas

AZ - Arizona

CA - California

CO - Colorado

CT - Connecticut

DC - Washington, DC

DE - Delaware

FL - Florida

GA - Georgia

HI - Hawaii

IA - Iowa

ID - Idaho

IL - Illinois

IN - Indiana

KS - Kansas

KY - Kentucky

LA - Louisiana

MA - Massachusetts

MD - Maryland

ME - Maine

MI - Michigan

MN - Minnesota

MO - Missouri

MS - Mississippi

MT - Montana

NC - North Carolina

ND - North Dakota

NE - Nebraska

NH - New Hampshire

NJ - New Jersey

NM - New Mexico

NV - Nevada

NY - New York

OH - Ohio

OK - Oklahoma

OR - Oregon

PA - Pennsylvania

RI - Rhode Island

SC - South Carolina

SD - South Dakota

TN - Tennessee

TX - Texas

UT - Utah

VA - Virginia

VT - Vermont

WA - Washington

WI - Wisconsin

Amount Range

Loan Term (Years)

Interest Rate Types Offered

Fixed-Rate Mortgage

Adjustable-Rate Mortgage (ARM)

Option ARM

Shared Appreciation Mortgage

Hybrid Mortgage

Mortgage Programs

FHA 203k

HomePath

USDA

Jumbo

Y-12 Federal Credit Union was founded in 1950 and is based in Oak Ridge, TN.

Learn more about Y-12 Federal Credit Union and its products by browsing the services it offers. You can also read our community reviews and hear what others have to say about their experience with Y-12 Federal Credit Union.

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Best Home Mortgage Loans for April 2026

 Y-12 Federal Credit Union is offered by , founded in 1950 and based in Oak Ridge, TN. Y-12 Federal Credit Union are available in states.

Y-12 Federal Credit Union     is     offered   by  ,        founded in 1950 and based in Oak Ridge, TN.    Y-12 Federal Credit Union     are     available in      states.

 Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.

 Y-12 Federal Credit Union does not offer financing for primary homes.

 This means you will be charged an additional fee if you repay the mortgage early.

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Do they charge mortgage origination fees?

 Yes, Y-12 Federal Credit Union may charge a loan origination fee . 

Yes,  Y-12 Federal Credit Union may charge a loan origination fee    .

What is the customer service phone number?

The customer service number for Y-12 Federal Credit Union is (865) 482-1043. 

The support contact email for  is Y12info@y12fcu.org.

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Y-12 Federal Credit Union Home Mortgage Loans 2026 Reviews