Personal Loans

Loans For Life's Special Moments

A Y-12 FCU Personal Loan is the perfect way to prepare for life's special moments! If you have finally decided to take the trip, buy the big gift or you just want to consolidate unwanted credit card debt, our Personal Loans provide the resources for whatever comes next. 

Both the Ultra Loan and Signature Loan feature a fixed interest rate and no collateral is required.   

Ultra Loan

  • 72 month term

  • Minimum $10,000 loan amount

Signature Loan

  • 48 month term

  • Minimum $500 loan amount

Loyalty Rewards logo This product is eligible for Loyalty Rewards redemption*.

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Apply Now for a Personal Loan  View Current Rates


Subject to credit approval.
*Qualifying loan: Requires a $5,000 minimum opening balance and a minimum one-year term.