Current Promotions

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

Phone with pre-qualified offers.

EASY LENDING

One, two, pre-qualified.

Because a few taps reveal all your personalized loan offers.

Person sitting back in chair with feet up on a desk.

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.

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.

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 This offer is for a limited time only and can be withdrawn at any time. 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.