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 Signature Credit Card

Y-12 Visa Signature Credit Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

Y-12 Visa Signature Credit Card

  • 16.49% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 16.49% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 16.49% 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: 16.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 16.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 16.49% 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 Traditional Credit Card

Y-12 Visa Traditional Credit Card
Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good
Visa Processing Network
None Annual Fee

Y-12 Visa Traditional Credit Card

  • 13.99% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 13.99% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 13.99% 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: 13.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 13.99% 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 Secured Credit Card

Y-12 Visa Secured Credit Card
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
Visa Processing Network
None Annual Fee

Y-12 Visa Secured Credit Card

  • 17.99% variable based on the Prime Rate Regular Purchase APR
  • 17.99% variable based on the Prime Rate Balance Transfer APR
  • 17.99% 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: 17.99% variable based on the Prime Rate
  • Balance Transfer APR: 17.99% variable based on the Prime Rate
  • Cash Advance APR: 17.99% 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 Unio

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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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.