Recent Press
royal credit union

Oak Ridge, TN

Times have changed, but our commitment to you, our members, has remained the same since we founded our credit union. We’re dedicated to providing you with products and services that transform your life by helping you enjoy each and every day, give your kids the life they deserve, build wealth, and retire comfortably.

Membership Eligibility

Membership in Y-12 Federal Credit Union is open to anyone who lives, works, worships, or attends school in the following counties: Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier, and Union.

Our Loan Products

To learn more, visit

Important Information

Federal student loans permit borrowers in financial trouble to use certain options, such as income-based repayment, which may help some borrowers. Depending on the type of loan that you have, the government may discharge your loan if you die or become permanently disabled.

Need Help?

Contact Y-12 Federal Credit Union today and we’ll be happy to discuss your options with you.
Monday - Friday: 8:30 AM - 5:30 PM ET
Saturday: 8:30 AM - 12:00 PM ET

Routing #: 264281432