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 15.24% variable based on the Prime Rate
  • Balance Transfer APR 15.24% variable based on the Prime Rate
  • Cash Advance APR 15.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Poor , No Credit Required
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: September 08, 2022
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: 15.24% variable based on the Prime Rate
  • Balance Transfer APR: 15.24% variable based on the Prime Rate
  • Cash Advance APR: 15.24% 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
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Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
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$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
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20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
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$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
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Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
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Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
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Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

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Y-12 Visa Gold Credit Card

Y-12 Visa Gold Credit Card
  • Regular Purchase APR 11.24% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.24% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.24% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Good
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: September 08, 2022
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: 11.24% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.24% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.24% 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
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

Y-12 Visa Signature Credit Card

Y-12 Visa Signature Credit Card
  • Regular Purchase APR 13.74% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.74% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13.74% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, 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.
    Excellent , Good
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: September 08, 2022
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: 13.74% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 13.74% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 13.74% 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
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

Offer Details

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Terms & Conditions

Please Note: The details of the offer(s) shown above should not be taken as a guarantee that you will receive the discount/rewards/offer mentioned above. Any information about combined offers and/or rewards should be taken as an estimate only. You may be responsible for completing certain steps at the merchant’s checkout page. Please read the merchant’s full terms and conditions for details.

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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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