Loan Payment Center

Digital Banking

Use Digital Banking's loan center (online and in-app) to make a payment from your Y-12 Credit Union account or from another financial institution. Manage your consumer loan, credit card, mortgage, or student loan all in one place.

How to:

Enroll in Digital Banking 

Make a payment from your Y-12 Credit Union account

Make a payment from another financial institution

Online Payment Links

Pay from another financial institution online with the loan payment service.¹

Service:

Loan or Credit Card Payment*

Mortgage Payment

Student Loan Payment

*A $4.95 convenience fee will be applied to one-time payments from another institution. 

Phone

Call us at 800-482-1043 (option 4).

For after Credit Union hours, please call 888-339-0398 using your account and routing number.

Branch 

All branch locations accept loan payments in person and at our drive-thru Personal Teller Machines (PTMs).

Mail 

Send your check and loan number to:

Y-12 Federal Credit Union
P.O. Box 2512
Oak Ridge, TN 37831

Night Deposit

All branch locations offer a night deposit. Loan payments will be applied the next business day.

• 
  How do I make a loan payment from my Y-12 Credit Union account in Digital Banking?

  	Log into Digital Banking.
  	Select the Pay/Transfer menu, then select Internal Transfer.
  	Follow the prompts to select the account you want to pay from and the loan account you want to pay. Enter the payment amount and schedule details if you would like to set up a recurring payment.
  	Select Transfer.

  
  
  

• 
  How do I make a loan payment from another financial institution in Digital Banking?

  	Log into Digital Banking.
  	Select the Pay/Transfer menu, then select Pay Loan From External Account.
  	If you already have an external account added... If you do not have an external account added...
  	Select Transfer.

  
  
  

• 
  Can I use a debit card from another financial institution to make a payment on a Y-12 Credit Union loan?

  Yes, you can use a debit or credit card at any branch, through the Loan or Credit Card Payment Service, or by phone at a 800-482-1043. Fees apply. Please see our Fee Schedule for more information.
  
  

• 
  Can I make a loan payment through mobile deposit?

  No, this is not available in Digital Banking. However, you can make your payment through the loan's online payment link.
  
  

• 
  How long does it take to process a loan payment when setting up from an external financial institution in Digital Banking?

  Payments using the external loan payment service are processed as an Automated Clearing House (ACH) electronic payment, which typically takes three to five business days. Payments made after 4 p.m. EST are processed the next business day.