First State Bank of the Southeast
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FSB and Y-12 Credit Union, Stronger Together
We’re proud to begin a new chapter as FSB, a Division of Y-12 Credit Union—combining over 123 years of local service with the strength of one of Tennessee’s most trusted credit unions.
With $2.15 billion in assets and 115,000+ members, Y-12 shares our commitment to personalized service and community support. Together, we’re bringing you expanded tools, enhanced technology, and the same friendly team you know and trust.
For the latest information, please click here.We’ve Evolved. For You.
More technology. More tools. Same personal service.
Local Roots. Bigger Reach.
We’ve joined forces with Y-12 Credit Union to serve you even better.
New Name, New Way to Borrow.
FSB loans are now powered by Y-12 Credit Union.
Join Us—Become a Member
Joining FSB now makes you part of the Y‑12 Credit Union family—so you get better rates, smarter tools, and stronger community support.
What is a Credit Union?
A credit union is a not-for-profit financial cooperative owned by its members. Unlike other financial institutions, credit unions return profits to their members through better rates, lower fees, and personalized service. As a member, you're more than just a customer—you’re an owner.
Click Here to Learn About Y-12 Credit Union
Click Here to Learn About Y-12 Credit Union
Simple Checking
Our simple checking account is just that, simple. No minimum balance, no monthly fees.
Learn about Simple Checking
Learn about Simple Checking
Mortgage Loans
Your mortgage, home equity loans, and HELOCs are now handled by Y‑12’s dedicated lending team—designed to help you build, renovate, or refinance with ease.
Credit Card
Y-12 Credit Union offers credit cards with competitive rates, no annual fees, and valuable rewards—designed to fit your everyday spending needs.
Business Lending
FSB’s business lending team continues to provide local decisions, personalized service, and flexible financing solutions to help your business grow.
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Local Focus. Business-Driven Support.
At FSB, a Division of Y-12 Credit Union, we’ve spent over 123 years building strong relationships with the business owners who keep our communities thriving. We understand that behind every loan request is a dream, a plan, and a lot of hard work—and we’re here to help turn that work into results.
Many of our business members come to us after feeling overlooked by larger institutions. They’ve been passed around, ignored, or told no without a second look. That’s not how we do things here.
Our local business lenders are responsive, experienced, and committed to doing what it takes to support your success. Whether it’s returning your call quickly, finding the answers you need, or helping you navigate your next step—we’re all in.
When your business means everything to you, you deserve a financial partner who treats it that way.
Online Business Solutions with Service You Can’t Put a Price On
At FSB, a Division of Y-12 Credit Union, our cash management tools give you the best of both worlds: powerful technology to manage your business finances and personalized support from people who truly know your business.
Whether you're looking to speed up receivables, streamline payables, protect your assets, or gain better control over your cash flow, our team is here to help. Your dedicated Cash Management Specialist works closely with your Full Service Banker to create solutions tailored to your goals—efficient, cost-effective, and built around the way you do business.
We value our business relationships like gold—and we back that up with a gold standard of service, expertise, and partnership.
We’re more than just your financial partner—we’re your neighbors, your supporters, and your biggest fans. At FSB, a Division of Y-12 Credit Union, we’re proud to be active in the communities we serve, showing up where it matters most.
Thinking about making a change? We get it—switching financial institutions can feel like a hassle. But upgrading to a team that truly knows and cares about your community? That’s worth it.
Why choose FSB? We’re…
- Local and relationship-driven
- Passionate about supporting our communities
- Powered by cutting-edge technology
- Focused on personalized service
- Backed by over 123 years of financial expertise
Let’s grow together—right here at home.
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