Young Adult Accounts
YOUNG ADULT ACCOUNT PERKS
Make banking easy.
- Set up direct deposit and get your paycheck up to two days early.*
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*With Early Pay, we may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), FedNow, Real-Time Payments (RTP), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay.
- From one-on-one coaching to webinars, you'll be equipped with money tips, tricks, and tools.
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- ClickSWITCH will quickly and securely move direct deposits and recurring payments to your Y-12 Credit Union account.
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- Enjoy easy access to our 20,000+ fee-free ATM network.
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- Access your accounts anytime, anywhere with our Digital Banking app.
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FREQUENTLY ASKED QUESTIONS
We've got answers.
- Open an account easily online, at a branch, or through video banking.
- Flexibility means having options. Manage your accounts in a branch, online, over the phone, through chat, in-app, with Video Banking, and more.
- With our nationwide co-op ATM network, say goodbye to ATM fees and surcharges.
- As a credit union, we make decisions with a member-first approach. Your success is our success.
- Switching your account from another institution won't be a headache. Our free online tool, ClickSWITCH, will securely transfer direct deposits and recurring payments to your Y-12 Credit Union account.
- From financial wellness tools to tips and tricks, take advantage of a supportive team that has your back and wants to see you succeed.
- Nope! No account fees, requirements, or worries. Please note that paper statements and additional services may incur a fee.
- Absolutely! Apply online, at a branch, or through video banking.
- Our financial wellness resource center houses many options from one-on-one coaching to calculators.
- With our nationwide co-op ATM network, say goodbye to ATM fees and surcharges.
- As a credit union, we make decisions with a member-first approach. Your success is our success.
- Switching your account from another institution won't be a headache. Our free online tool, ClickSWITCH, will securely transfer direct deposits and recurring payments to your Y-12 Credit Union account.
- From financial wellness tools to tips and tricks, take advantage of a supportive team that has your back and wants to see you succeed.
YOUNG ADULT CALCULATORS
Crunch the numbers.
YOUNG ADULT RESOURCES
Need additional help?
1. APY is Annual Percentage Yield. A Young Adult Savings account is for ages 18 to 23 only. The account balance will be automatically transferred to a Primary Share Savings account when the member reaches age 24. A Young Adult Savings account 2.00% APY is for the first $5,000. A balance of $5,000.01 and more earns the regular share savings rate of 0.05% APY. Dividends calculated daily, compounded/posted quarterly. Rates effective as of 04/01/2024. Rates subject to change. Third party data or messaging rates may apply.
2. APY is Annual Percentage Yield. A High Yield Checking (requirements waived) account is for ages 14 to 23 only. Normal High Yield Checking account fees and requirements will be effective at age 24. Rates effective as of 04/01/2024. Rates subject to change after account is opened. Fees may reduce earnings. Third party data or messaging rates may apply.
