Young Adult

Gain Financial Freedom

Part of growing up involves gaining financial freedom. The freedom of getting your first car; the freedom of your first credit card; and the freedom of your own home. Y-12 FCU is here to help you access some of that freedom.  That's why we offer lending solutions and educational opportunities geared toward young adults ages 18 to 23 to help build your credit.


  • Designed to assist borrowers in estblishing credit history for future financaing needs

  • Signature loan amounts from $500 up to $1,000 with up to 12 or 18 month terms

  • $50 cash back incentive at payoff with completion of online financial education module


  • Proof of Income

  • 12 months job time

  • 6 months residence

  • No derogatory credit history

  • No score qualifies for C Paper Rate

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