This branch of Y-12 is located at 1820 Cumberland Ave in Middlesboro, Kentucky, and can be reached at (800) 248-5950. Y-12 is a federally insured financial cooperative serving the Middlesboro, Kentucky community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Middlesboro or review your personal loan options.
Profits are returned to members via better rates & lower fees.
Local decision making and support for the Middlesboro area.
Access small loans up to $2,000 with rates capped at 28% APR. A safe, regulated alternative to predatory payday lenders designed to help you handle emergencies.
Specialized loans designed to help you establish or rebuild your credit score safely and affordably.
Expert guidance on budgeting, debt reduction, and wealth building to help you achieve financial stability.
Special mortgage programs with lower down payments or rate assistance to help you buy your first home.
Affordable wire transfer services, making it easier to send money domestically or internationally.
No-cost share draft accounts (checking) with no monthly maintenance fees.
1820 Cumberland Ave
Middlesboro, KY 40965-1229
The credit union lobby is currently closed.
Today: 9am-5:30pm
| Sunday | Closed |
| Monday | 9:00 AM - 5:30 PM |
| Tuesday | 9:00 AM - 5:30 PM |
| Wednesday | 9:00 AM - 5:30 PM |
| Thursday | 9:00 AM - 5:30 PM |
| Friday | 9:00 AM - 5:30 PM |
| Saturday | 9:00 AM - 12:00 PM |
Inferred from 10/20 locations with same hours
Membership at Y-12 is typically open to individuals who live, work, worship, or attend school in Middlesboro and surrounding areas.
We recommend contacting the branch at (800) 248-5950 to confirm your eligibility before visiting.
Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.
Like most credit unions, Y-12 typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:
Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.
Field of membership typically includes residents of Middlesboro, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.
5 additional branches in 1 state
Looking for credit unions near me in other Kentucky cities? Browse credit unions in nearby locations:
To borrow from Y-12 Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can connect with online lenders serving Kentucky. Applying is quick, and funds may be available as soon as the next business day after approval.
Fast Fair Loans is not a lender, does not make credit decisions, and cannot guarantee loan approval or amount. Loans are not available in all states.