What Is A Credit Union?
What is a credit union and how is a credit union different than a bank? Credit unions are not-for-profit organizations that exist to serve their members. Like banks, credit unions accept deposits, make loans and provide a wide array of other financial services. But as member-owned and cooperative institutions, credit unions provide a safe place to save and borrow at reasonable rates.
You’re more than a member, you are a part owner. Credit unions are owned and controlled by the people, or members, who use their services.
Credit unions are not-for-profit. Credit unions operate to promote the well-being of their members. Profits made by credit unions are returned back to members in the form of reduced fees, higher savings rates and lower loan rates.

Credit Union Products & Services
Personal Loans
Your local credit union should be your first stop for borrowing money, especially if you don’t have perfect credit. Credit unions...Read More
Share Checking Accounts
A share checking account is a liquid account at a credit union that allows you to make frequent withdrawals and payments....Read More
Share Savings Accounts
A share savings account is an essential account at a credit union. These accounts pay interest on your savings, providing a...Read More
Credit Union Consumer Resources
Money Basics For Credit Union Members
Are you stressed about money? Don’t worry – you’re not alone and help is available! These programs will help you understand...Read More
Credit Union Financial Calculators
CULookup.com credit union financial calculators provide you with the tools to make important financial decisions and reach your financial goals. Research...Read More
NCUA Consumer Assistance Center
Are you protecting your financial information? Did you know that consumers have the right to dispute information reported on their credit...Read More
Credit Union Blog
How and When to Refinance Your Mortgage
Hundreds of billions of dollars’ worth of mortgage loans are awarded every year. Chances are if you’re a homeowner you’ve...Read More
What is a Signature Loan?
If you’re in need of some fast cash, you may be considering a signature loan. As with any financial undertaking, it’s...Read More
Think Like a Millionaire: How Rich People Deal With Money
Realistically, not everyone’s going to be able to claim the title of millionaire in their lifetime. Even so, there are plenty...Read More
Y-12 Federal Credit Union
Membership in Y-12 Federal Credit Union is open to anyone who lives, works, worships, or attends school in the following counties in Tennessee: Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier, and Union.