Current Promotions

Collage of a couple in a car, someone riding a four wheeler, and someone riding a jet ski.

GREENLIGHT

Your free* back-to-school benefit.

Crush this school year with Greenlight. Teach your kids to earn, save, and manage money — all in one app. Plus, snag a free^ custom card during the month of August.

Collage of a couple in a car, someone riding a four wheeler, and someone riding a jet ski.

AUTO OR TOY LOAN

Play now, pay later.

Enjoy no payments for 90 days on your next new auto or toy loan.1

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EASY LENDING

One, two, pre-qualified.

Because a few taps reveal all your personalized loan offers.

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VISA SIGNATURE REWARDS CREDIT CARD

Get a cash bonus.

Because you'd never turn down an extra $200.2

Dog in a basket sitting back.

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.

Volunteers with the Y-12 FCU Gives Foundation working an event.

EVENT

Help feed hungry kids.

August 17 is National Nonprofit Day, and we’re raising money for the Y‑12 FCU Gives Foundation, an organization dedicated to fighting childhood hunger in our local communities. 

A person holding a trash bag of shredded paper.

EVENT

Shred it and forget it.

Join us on Saturday, Oct. 10, at the Oak Ridge Branch to safely dispose sensitive documents at our free Community Shred Day.

*Y-12 Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Y-12 Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 12/04/2028. Offer subject to change and partner participation.
^New Greenlight members are eligible for a $10 bonus to their Parent Wallet within 7 days after completion of successful registration. Members must sign up at greenlight.com/y12 to redeem offer. Successful registration must occur between 8/01/2026 and 8/31/2026. See terms for details. Offer subject to change. Taxes may apply. 

1. First payment due no later than 90 days after loan funding for qualified loans originating on or after April 1, 2026, until further notice; interest accrual begins on date of funding. Existing Y-12 Credit Union loans excluded. Rate pricing based on credit score, term, and age of collateral. Loans subject to credit approval. This offer is for a limited time only and can be withdrawn at any time.

2. 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, 2026, the standard variable APR is 14.99% 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. 2% cash back requires Relationship Rewards membership.