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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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Showing 3 Cards

Date Reviewed: August 16, 2019

Y-12 Visa Secured Credit Card

Y-12 Visa Secured Credit Card
  • Regular Purchase APR 9.49% variable based on the Prime Rate
  • Balance Transfer APR 9.49% variable based on the Prime Rate
  • Cash Advance APR 9.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • Visa Credit Card benefits and protections
Rates & Fees
  • Regular Purchase APR: 9.49% variable based on the Prime Rate
  • Balance Transfer APR: 9.49% variable based on the Prime Rate
  • Cash Advance APR: 9.49% 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
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 16, 2019

Y-12 Visa Gold Credit Card

Y-12 Visa Gold Credit Card
  • Regular Purchase APR 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.49% to 18.00%% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Visa
Best Benefits
  • Earn 5,000 points after first purchase
  • No annual fee
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 10.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 10.49% to 18.00%% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $32
  • Over Limit Penalty Fee: NONE
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 16, 2019

Y-12 Visa Signature Credit Card

Y-12 Visa Signature Credit Card
  • Regular Purchase APR 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 10,000 points after making your first purchase
  • No annual fee
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.49% to 18.00% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $32
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All 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:

Is Y-12 FDIC insured?

  • Credit unions are not FDIC insured. Instead, deposits are insured up to $250,000 by the National Credit Union Administration (NCUA).

What is the routing number of Y-12 Federal Credit Union?

  • The routing number for Y-12 is 264281432.

Does Y-12 have a mobile app?

  • Yes, Y-12 does have a mobile banking app. The app is currently available in the iTunes and Google Play app stores.