Loyalty Rewards

Loyalty Rewards 

Our Loyalty Rewards program is designed to do just that - reward our loyal members! The more you use Y-12 FCU products and services, the more rewards you can earn.

There are two components to the Loyalty Rewards program: Loyalty Card Rewards and Loyalty Relationship Rewards. Each works independently, but you receive the most value by combining them to work together.

For your convenience, all points are combined in the Loyalty Rewards portal. You may access this in Digital Banking. Look for Loyalty Rewards in the menu. 

Apply for a Y-12 FCU Credit Card today!

For additional assistance with Loyalty Rewards, you may contact member service 24/7 at 877-591-2327.

 *Must have a High Yield Checking Account to qualify for a Reward Debit Card.

Our loyal card members will automatically earn points for every dollar spent with Loyalty Card Rewards. There are no eligibility requirements for Loyalty Card Rewards. You will earn 1.5% for all purchases when you use your VISA Signature Credit Card, or 2%* when combined with Loyalty Relationship Rewards.

Visa Reward Debit or Business Debit card holders earn 0.25% for all purchases.

Our most loyal members can earn even more rewards through our Loyalty Relationship Rewards. If you meet either criteria below, you are automatically enrolled.

  • Checking account with direct deposit & $45,000 or more in combined loan and deposit balances
  • Checking account with direct deposit & 45 or more monthly combined debit and credit card transactions

Relationship Perks*
Loyalty Relationship Rewards members receive the following additional benefits:
  • Earn 0.50% credit card bonus points on purchases
  • Multi-product rewards bonus
  • Service fee waivers
  • Point based fee rebates
  • Program activation rewards
  • Anniversary rewards
  • Mobile banking rewards

Reward Redemption
All reward points are combined for easy redemption in our Loyalty Rewards Portal. Points may be easily redeemed for:
  • Cash back
  • Gift cards
  • Travel
  • Credit union product rebates
You can receive even more value from your reward points by redeeming them for cash rebates on Y-12 FCU products and services.
Total Points - 20,000
Cash Value $200
Cash back
Cash Back with a Qualifying New Share Certificate* $220 
Cash back
more value
Cash Back with a Qualifying Credit Union
Product Purchase*
Cash back
more value
Cash Back with a Qualifying New Loan* $300 
Cash back
more value
Your Donation Doubled to Y-12 Gives Foundation $400 
more value