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Y-12 Visa Secured Credit Card
Y-12 Visa Secured Credit Card
- 17.24% variable based on the Prime Rate Regular Purchase APR
- 17.24% variable based on the Prime Rate Balance Transfer APR
- 17.24% variable based on the Prime Rate Cash Advance APR
At a Glance
Rebuild your credit with the Y-12 Visa Secured Credit Card and enjoy no annual fee or balance transfer fee –perfect for those looking to consolidate their debt. Minimum security deposit is $500 and cardholders will have the potential to be upgraded to the unsecured Y-12 Gold or Signature Visa card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No balance transfer fee
- Visa Credit Card benefits and protections
- Make payments with online or mobile banking
- Regular Purchase APR: 17.24% variable based on the Prime Rate
- Balance Transfer APR: 17.24% variable based on the Prime Rate
- Cash Advance APR: 17.24% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $29
- Minimum Deposit Required: $500
- You want to rebuild a poor credit score
- You may need to carry over a balance or have difficulty paying in full each month
- You have used payday advances or other short-term loans
- You want the option to start earning credit card rewards within a year
- You’re a member of Y-12 Federal Credit Union
Y-12 Visa Traditional Credit Card
Y-12 Visa Traditional Credit Card
- 13.24% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.24% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 13.24% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Y-12 Visa Gold Credit Card is a reliable balance transfer credit card that keeps interest rates and fees to a minimum while also earning rewards. Cardholders will receive a modest 1X points per dollar, making the card best suited towards low spenders or rewards card beginners.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- No balance transfer fee
- Make payments with online or mobile banking
- Regular Purchase APR: 13.24% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.24% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 13.24% to 18.00% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $29
- You want to earn decent rewards for your every purchase
- You don’t want to pay an annual fee
- You’re a member of the Y-12 FCU or live in Eastern Tennessee
- You plan on carrying a balance or want to pay down an existing credit card debt
Y-12 Visa Signature Credit Card
Y-12 Visa Signature Credit Card
- 15.74% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.74% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 15.74% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The Y-12 Visa Signature Credit Card is a solid rewards credit card from Y-12 Federal Credit Union in Tennessee. While the card earns reward points towards the CU Rewards program, it also functions as a capable balance transfer card, thanks to its typical low APR. The card has no annual fee, no foreign transaction fees, and no fees for balance transfers or cash advances.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 15.74% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.74% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 15.74% to 18.00% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $29
- You want to earn decent rewards for your every purchase
- You don’t want to pay an annual fee
- You’re a member of the Y-12 FCU or live in Eastern Tennessee
- You plan on carrying a balance or want to pay down an existing credit card debt
You’ve viewed 5 of 3 credit cards
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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