Holiday hangover have you feeling down?

Y-12 offers 3 solutions to get you back on track!

Consolidate your high interest credit cards to a Y-12 Federal Credit Union VISA credit card.

Receive a 2.99%* APR promotional rate on all purchases and on balance transfers until February 28th. This rate is effective through August 16, 2019.

11.24

APR

%

 PROMOTIONAL
FIXED RATE

STANDARD VARIABLE BEGINNING 9/16

Promotional Rate VISA

The standard variable rate after the promotional period will be 11.24% - 18.00%.

*Promotional rate effective - 8/16//2019. After promotional period the rate will revert to the standard rate. Your actual rate will be based upon the specific VISA product you have and your credit score at the time of application.

2.99

APR

%

*

-18.00

APR

%


Or, consolidate those holiday bills with a low interest, fixed term personal loan from Y-12 Federal Credit Union. Ultra Loan rates start as low as 9.99%* APR!

9.99

APR

%

ULTRA LOAN RATES
AS LOW AS

*

Or why not unlock the equity in your home with a Home Equity Line of Credit with a low introductory rate of just 1.99%* APR!

All the benefits of a line of credit, with the ability to lock in a rate for up to 10 years!

1.99

APR

%

3.99

APR

%

INTRODUCTORY
APR

VARIABLE RATE AFTER 6-MONTHS

Introductory Rate HELOCK

Variable Rate after 6-Months 3.99% APR to 18.00% APR

*After the six-month introductory period the rate will revert to the floor rate of 3.99% or the Prime Rate as published in the Wall Street Journal plus or minus a margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. The APR will not vary above 18% APR nor below 3.99% APR. Closing cost range between $300 - $3,800.

*

-18.00

APR

%

*Apply for all products online at www.y12fcu.org or call 865-482-1043 for details. APR is Annual Percentage Rate. Rates subject to change without notice.  All products are subject to credit approval.

EAST TENNESSEE’S REGIONAL CREDIT UNION SERVING: Knox, Anderson, Blount, Campbell, Loudon, Roane, Sevier and Union counties.
BRANCH LOCATIONS: Oak Ridge, Cedar Bluff, Clinton, Eagleton, Farragut, Hardin Valley, Harriman, LaFollette, Maryville, North Knoxville, Powell & Sevierville.

Not a member? Not a problem, virtually anyone in these counties can join. Federally insured by NCUA. Equal Housing Lender.

©2019 Y-12 Federal Credit Union, serving Oak Ridge, Knoxville, and surrounding East TN Counties. All Rights Reserved.

501 LaFayette Drive, Oak Ridge, TN 37830
Phone: 865-482-1043