Current Promotions

Family with dog riding in a car.

DIGITAL WALLET

Summer's here. Get pumped!

Pay with your Y-12 Credit Union debit or credit card using any digital wallet five times between July 21 - August 31, and you'll be entered to win free gas for a year!1

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LOYALTY REWARDS

Earn double fuel points all summer long.

Now through Sept. 1, pump up your points by using your Visa Signature Rewards Credit Card or Visa Rewards Debit Card on fuel purchases.2

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HIGH YIELD DUO

Because you're a money maximalist.

High Yield Money Market earns 4.00% APY3 when paired with High Yield Checking.

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VISA SIGNATURE REWARDS CREDIT CARD

Get a cash bonus.

Because you'd never turn down an extra $200.4

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SHARE CERTIFICATES

Sit back and earn.

With special rate offers, hands-off earning has never been easier.

Picture of Biltmore.

MEMBER PERK

Save big on Biltmore tickets.

Enjoy member savings on value-priced Biltmore tickets with the promo code y12fcu at checkout.

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EVENT

Shred it and forget it.

Join us for our next Community Shred Day on Sat, Sept. 27.

1. One entry per member. Must complete 5 qualifying digital wallet transactions during the promo period. Prize awarded as a $2,400 Shell Gift Card or alternate brand chosen by the winner. Offer valid July 21, 2025 – August 31, 2025 for all reward credit card transactions and signature based reward debit card transactions. See complete rules at y12fcu.org/wallet-contest. Federally insured by NCUA.

2. Offer valid 05/23/2025 – 09/01/2025, for all Visa Signature Rewards Credit Card and Visa Rewards Debit Card signature-based transactions. Federally insured by NCUA.

3. High Yield Checking account required for High Yield Money Market. Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers to earn dividends for High Yield Money Market. No dividends are paid for the dividend period if qualifiers are not met. High Yield Checking qualifiers to earn High Yield dividends: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. Direct deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify. The Annual Percentage Yield (APY), effective 01/17/2025, for High Yield Money Market is 4.00% if High Yield Checking and minimum balance requirements are met. 1.00% APY for average daily balances $25,000 and over if requirements are not met for High Yield Checking. If High Yield Checking is closed, High Yield Money Market must be closed. Rates subject to change without notice after account opening. Fees may reduce earnings on account. Federally insured by NCUA.

4. New cardholders only. Maximum one cash bonus and introductory rate offer per member. Subject to credit approval. APR is Annual Percentage Rate. Introductory rate of 0% Annual Percentage Rate (APR) applies on purchases for 12 months from date of account opening. After that, the standard variable APR for purchases will be applied. As of January 15, 2025, the standard variable APR is 15.74% to 18.00%, based on your creditworthiness. Cardholders qualify for 20,000 Visa Signature Rewards card bonus points if they make at least $1,000 in purchases in the first 90 days. 3% cash back requires Relationship Rewards membership and redemption for a new Credit Union loan product.