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Y-12 Federal Credit Union has been open since 1950. It's the 6th largest credit union in Tennessee with assets totaling $2 Billion and providing banking services to more than 113,000 members. Membership: The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member and access banking services. Membership is also open to immediate family of current members.