Balance Transfers

Get rid of higher interest rates!

A Visa balance transfer may be your answer to getting rid of higher interest rates. A balance transfer can help you save on interest by consolidating your higher interest rate debt balances to one of our low rate credit cards. Move your high-interest debt to Y-12 FCU, with no balance transfer fee, and lower your monthly payments!

Existing card holders can complete a balance transfer quickly and easily using these steps:

  1. Log into Online Banking or Mobile Banking

  2. Choose Transfer option

  3. Select Transfer from Visa Card

  4. Choose your checking account

  5. Then use your checking account to pay off your other debt


If you need assistance with a balance transfer, please call us at 865-482-1043.

If you don’t have a Y-12 FCU Visa credit card, what are you waiting for?  Apply today!

Apply for a VISA Credit Card