Y-12 Federal Credit Union Credit Cards

Y-12 Federal Credit Union is a leading credit card issuer that offers no-frills personal credit cards for both business and individuals  who need to establish or repair their credit, as well as cards for everyday use. Browse credit cards below.

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Y-12 Visa Secured Credit Card

Y-12 Visa Secured Credit Card
  • Regular Purchase APR 12.99% variable based on the Prime Rate
  • Balance Transfer APR 12.99% variable based on the Prime Rate
  • Cash Advance APR 12.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No balance transfer fee
  • Visa Credit Card benefits and protections
  • Make payments with online or mobile banking
Rates & Fees
  • Regular Purchase APR: 12.99% variable based on the Prime Rate
  • Balance Transfer APR: 12.99% variable based on the Prime Rate
  • Cash Advance APR: 12.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $32
  • Minimum Deposit Required: $500
Credit Card Deals

Y-12 Visa Gold Credit Card

Y-12 Visa Gold Credit Card
  • Regular Purchase APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • No balance transfer fee
  • Make payments with online or mobile banking
Rates & Fees
  • Regular Purchase APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $32
Credit Card Deals

Y-12 Visa Signature Credit Card

Y-12 Visa Signature Credit Card
  • Regular Purchase APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn up to 3% unlimited cash back
  • 0% intro APR for 12 months
  • $200 cash bonus after spending $1,000 in the first 90 days
  • No annual fee
  • No balance transfer fee
Rates & Fees
  • Regular Purchase APR: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $32
Credit Card Deals

About Y-12 Federal Credit Union

Y-12 Federal Credit Union is a Tennessee-based federal credit union that serves 114,000 members across eight counties.

The history of Y-12 dates to the 1950s and a small group of employees at the Y-12 Complex in Oak Ridge, TN. The Y-12 Complex was part of the Manhattan Project during the Second World War and continues to play an essential role in America’s nuclear development to this day.

Within the first year, membership in Y-12 Federal Credit Union grew to over 700, with more joining every year. Today, over 114,000 members are proud to bank with Y-12, with the CU offering a wide variety of services to individuals and small businesses alike.

These services include savings accounts, checking accounts, loans (including mortgages and HELOC loans), and credit cards.

Branch Locations

Y-12 currently operates over a dozen branches throughout the Knoxville area, including its headquarters at Oak Ridge, Tennessee. The following are the current Y-12 branch locations:

  • Clinton, TN
    • 101 Crosspark Drive
    • 450 N Charles Seivers Blvd.
  • Harriman, TN – 1715 Roane State Highway
  • Jacksboro, TN – 2550 Jacksboro Pike
  • Knoxville, TN
    • 6640 Clinton Highway
    • 2377 Cherahala Blvd
    • 13128 Kingston Pike
    • 9245 Kingston Pike
  • LaFollette, TN– 1011 East Central Avenue
  • Maryville, TN
    • 624 W. Lamar Alexander Parkway
    • 2901 Old Knoxville Highway
  • Oak Ridge, TN – 501 Lafayette Drive (headquarters)
  • Powell, TN – 530 East Emory Road
  • Sevierville, TN – 1203 Dolly Parton Parkway

Who Can Join Y-12 Federal Credit Union?

Membership in Y-12 Federal Credit Union is open to those who live or work in the following Tennessee counties:

  • Anderson
  • Blount
  • Campbell
  • Knox
  • Loudon
  • Roane
  • Sevier
  • Union

FAQs About Y-12 Credit Union

Below are some of the commonly asked questions concerning Y-12 Federal Credit Union:

  • Credit unions are not FDIC insured. Instead, deposits are insured up to $250,000 by the National Credit Union Administration (NCUA).
  • The routing number for Y-12 is 264281432.
  • Yes, Y-12 does have a mobile banking app. The app is currently available in the iTunes and Google Play app stores.

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