Minimum Balance
$1.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
2.000%
Annual Percentage Yield (APY)
2.00%
Subject to Change
Quarterly
Minimum Balance
$0.00
Dividend Calculation
Daily
Frequency of Compounding
Quarterly
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
APY is accurate as of 6/1/2022. Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends. Fees could reduce earnings.
*A Jump Start Saving Account is for ages 0 to 23 only. If under 18, the child must be accompanied by a parent or legal guardian to open an account who will sign as a joint-account owner. The account balance will be automatically transferred to a primary share savings account when the member reaches age 24. Balance over $5,000 continues to earn the regular share savings rates.
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
2.477%
Annual Percentage Yield (APY)
2.50%
Subject to Change
Monthly
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Monthly
Minimum Balance
$0
Dividend Calculated
Daily
Frequency of Compounding
Daily
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%*
Subject to Change
Monthly
APY is accurate as of 6/1/2022. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
View qualification requirements for High Yield Checking and Everyday Checking.
6 Months (ADR/APY)
2.96/3.00%5
50% New Money
9 Months (ADR/APY)
5.08/5.20%6
100% New Money
12 Months (ADR/APY)
4.41/4.50%7
100% New Money
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.250/0.25%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.399/0.40%
36 Months (ADR/APY)
0.549/0.55%
60 Months4 (ADR/APY)
1.094/1.10%
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.200/0.20%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.349/0.35%
36 Months (ADR/APY)
0.549/0.55%
60 Months4 (ADR/APY)
1.094/1.10%
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.150/0.15%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.300/0.30%
36 Months (ADR/APY)
0.549/0.55%
60 Months4 (ADR/APY)
1.094/1.10%
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.100/0.10%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
0.747/0.75%
36 Months (ADR/APY)
0.549/0.55%
60 Months4 (ADR/APY)
1.094/1.10%
APY is accurate as of 12/29/2022. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
1. 13 Month Select Rate Share Certificate rate may change once after 6 months at member's request.
2. 19 Month Select Rate Share Certificate rate may change once after 9 months at member's request.
3. 25 Month Select Rate Share Certificate rate may change once after 12 months at member's request.
4. 60 Month Share Certificate rate is a fixed rate.
5. Minimum balance to receive advertised rate is $500. Requires 50% of opening deposit to be new money, not transferred from an existing Y-12 FCU account. Rates accurate as of 11/17/2022. APY is Annual Percentage Yield. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA.
6. Minimum balance to receive advertised rate is $25,000. Rates accurate as of 5/10/2023 and require new money not transferred from an existing Y-12 FCU account. Rates subject to change without notice. Penalties may apply for early withdrawal. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Federally insured by NCUA.
7. Minimum balance to receive advertised rate is $500. Rates accurate as of 11/17/2022 and require new money not transferred from an existing Y-12 FCU account.. APY is Annual Percentage Yield. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA.
Minimum Balance
$50,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.748%
Annual Percentage Yield (APY)
0.75%
Subject to Change
Daily
Minimum Balance
$250,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.996%
Annual Percentage Yield (APY)
1.00%
Subject to Change
Daily
Minimum Balance
$100,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.300%
Annual Percentage Yield (APY)
0.30%
Subject to Change
Daily
Minimum Balance
$75,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.250%
Annual Percentage Yield (APY)
0.25%
Subject to Change
Daily
Minimum Balance
$25,000
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.200%
Annual Percentage Yield (APY)
0.20%
Subject to Change
Daily
Minimum Balance
$2,500
Dividend Calculated
Daily
Frequency of Compounding
Monthly
Annual Dividend Rate
0.150%
Annual Percentage Yield (APY)
0.15%
Subject to Change
Daily
APY is accurate as of 11/1/2022. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
Minimum Balance
$0.00
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
Minimum Balance
$0.00
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
Minimum Balance
$0.00
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
Quarterly
APY is accurate as of 12/29/2022. Dividends calculated daily, compounded/posted quarterly. There is a penalty for early withdrawal.
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.250/0.25%
18 Months (ADR/APY)
1.193/1.20%
19 Months (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
0.747/0.75%
25 Months (ADR/APY)
0.399/0.40%
36 Months (ADR/APY)
0.549/0.55%
60 Months (ADR/APY)
1.094/1.10%
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.200/0.20%
18 Months (ADR/APY)
1.193/1.20%
19 Months (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
0.747/0.75%
25 Months (ADR/APY)
0.349/0.35%
36 Months (ADR/APY)
0.549/0.55%
60 Months (ADR/APY)
1.094/1.10%
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.150/0.15%
18 Months (ADR/APY)
1.193/1.20%
19 Months (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
0.747/0.75%
25 Months (ADR/APY)
0.300/0.30%
36 Months (ADR/APY)
0.549/0.55%
60 Months (ADR/APY)
1.094/1.10%
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months (ADR/APY)
0.100/0.10%
18 Months (ADR/APY)
1.193/1.20%
19 Months (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
0.747/0.75%
36 Months (ADR/APY)
0.549/0.55%
60 Months (ADR/APY)
1.094/1.10%
APY is accurate as of 12/29/2022. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.250/0.25%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.399/0.40%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.399/0.40%
60 Months (ADR/APY)
1.094/1.10%
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.200/0.20%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.349/0.35%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.349/0.35%
60 Months (ADR/APY)
1.094/1.10%
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.150/0.15%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.300/0.30%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.300/0.30%
60 Months (ADR/APY)
1.094/1.10%
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.100/0.10%
18 Months (ADR/APY)
1.193/1.20%
19 Months2 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
0.747/0.75%
60 Months (ADR/APY)
1.094/1.10%
APY is accurate as of 12/29/2022. Dividends calculated daily, compounded/posted monthly. ADR is Annual Dividend Rate. APY is Annual Percentage Yield. Rates subject to change without notice. Other rates and terms are available. There is a penalty for early withdrawal.
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.250/0.25%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.399/0.40%
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.200/0.20%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.349/0.35%
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.150/0.15%
24 Months (ADR/APY)
0.747/0.75%
25 Months3 (ADR/APY)
0.300/0.30%
6 Months (ADR/APY)
0.399/0.40%
12 Months (ADR/APY)
0.549/0.55%
13 Months1 (ADR/APY)
0.100/0.10%
24 Months (ADR/APY)
0.747/0.75%
APY is accurate as of 12/29/2022. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
Minimum Balance
$1
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
Minimum Balance
$0
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
Quarterly
APY is accurate as of 6/1/2022. Dividends calculated daily, compounded/posted quarterly. Funds must remain on deposit until club disbursement in order for funds to earn dividends. Fees could reduce earnings.
Minimum Balance
$5
Annual Dividend Rate
N/A
Annual Percentage Yield (APY)
N/A
Subject to Change
N/A
Minimum Balance
$1,500
Annual Dividend Rate
0.030%
Annual Percentage Yield (APY)
0.03%
Subject to Change
N/A
Minimum Balance
$5,000
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
N/A
Minimum Balance
$0-4,999
Annual Dividend Rate
0.050%
Annual Percentage Yield (APY)
0.05%
Subject to Change
N/A
Minimum Balance
$5,000
Annual Dividend Rate
0.100%
Annual Percentage Yield (APY)
0.10%
Subject to Change
N/A
Minimum Balance
$100,000
Annual Dividend Rate
0.350%
Annual Percentage Yield (APY)
0.35%
Subject to Change
Daily
Minimum Balance
$75,000
Annual Dividend Rate
0.300%
Annual Percentage Yield (APY)
0.30%
Subject to Change
Daily
Minimum Balance
$25,000
Annual Dividend Rate
0.250%
Annual Percentage Yield (APY)
0.25%
Subject to Change
Daily
Minimum Balance
$2,500
Annual Dividend Rate
0.200%
Annual Percentage Yield (APY)
0.20%
Subject to Change
Daily
Minimum Balance
$50,000-$249,999
Annual Dividend Rate
0.748%
Annual Percentage Yield (APY)
0.75%
Subject to Change
Daily
Minimum Balance
$250,000
Annual Dividend Rate
0.996%
Annual Percentage Yield (APY)
1.00%
Subject to Change
Daily
APY is accurate as of 11/1/2022. Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
3 Months(ADR/APY)
0.050/0.05%
6 Months(ADR/APY)
0.399/0.40%
12 Months(ADR/APY)
0.549/0.55%
13 Months1(ADR/APY)
0.250/0.25%
18 Months(ADR/APY)
1.193/1.20%
24 Months(ADR/APY)
0.747/0.75%
25 Months2(ADR/APY)
0.399/0.40%
36 Months(ADR/APY)
0.549/0.55%
3 Months(ADR/APY)
0.050/0.05%
6 Months(ADR/APY)
0.399/0.40%
12 Months(ADR/APY)
0.549/0.55%
13 Months1(ADR/APY)
0.200/0.20%
18 Months(ADR/APY)
1.193/1.20%
24 Months(ADR/APY)
0.747/0.75%
25 Months2(ADR/APY)
0.349/0.35%
36 Months(ADR/APY)
0.549/0.55%
3 Months(ADR/APY)
0.050/0.05%
6 Months(ADR/APY)
0.399/0.40%
12 Months(ADR/APY)
0.549/0.55%
13 Months1(ADR/APY)
0.150/0.15%
18 Months(ADR/APY)
1.193/1.20%
24 Months(ADR/APY)
0.747/0.75%
25 Months2(ADR/APY)
0.300/0.30%
36 Months(ADR/APY)
0.549/0.55%
3 Months(ADR/APY)
0.050/0.05%
6 Months(ADR/APY)
0.399/0.40%
12 Months(ADR/APY)
0.549/0.55%
13 Months1(ADR/APY)
0.100/0.10%
18 Months(ADR/APY)
1.193/1.20%
24 Months(ADR/APY)
0.747/0.75%
36 Months(ADR/APY)
0.549/0.55%
APY is accurate as of 6/1/2022. APY is Annual Percentage Yield. ADR is Annual Dividend Rate. Dividends calculated daily, compounded/posted monthly. Rates subject without notice. Other rates and terms are available. There is a penalty for early withdrawal.
APR*
as low as 12.49% Fixed
APR*
as low as 13.99% Fixed
APR*
as low as 15.74% Variable
APR*
2.00% above share rate to nearest .25% Variable
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $5,000 personal loan with a term of 48 months at 9.99% APR, the monthly payment will be $126.79.
Fixed APR*
as low as 6.99%
Fixed APR*
as low as 7.49%
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 auto loan with a term of 60 months at 4.99% APR, the monthly payment will be $377.48.
Fixed APR*
as low as 7.49%
Fixed APR*
as low as 8.49%
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 loan with a term of 60 months at 5.49% APR, the monthly payment will be $382.09.
Fixed APR*
as low as 8.49%
Fixed APR*
as low as 9.49%
*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 loan with a term of 60 months at 6.49% APR, the monthly payment will be $391.42.
Credit Card Rates
Annual Percentage Rate1 for Purchases
16.24% to 18.00%
Earn Loyalty Rewards
Yes
No Annual Fee
Yes
No Balance Transfer Fee
Yes
25 Day Grace Period on New Purchases
Yes
Make payments Online or use our Mobile App
Yes
Set up Auto Payments
Yes
Manage your Account Online
Yes
Credit Card Rates
Annual Percentage Rate1 for Purchases
13.74% to 18.00%
Earn Loyalty Rewards
No
No Annual Fee
Yes
No Balance Transfer Fee
Yes
25 Day Grace Period on New Purchases
Yes
Make payments Online or use our Mobile App
Yes
Set up Auto Payments
Yes
Manage your Account Online
Yes
Credit Card Rates
Annual Percentage Rate1 for Purchases
17.74%
Earn Loyalty Rewards
No
No Annual Fee
Yes
No Balance Transfer Fee
Yes
25 Day Grace Period on New Purchases
Yes
Make payments Online or use our Mobile App
Yes
Set up Auto Payments
Yes
Manage your Account Online
Yes
1 - Annual Percentage Rate (APR) is based on your creditworthiness when account is opened. This APR will vary with the market based on the Prime Rate. Subject to credit approval.
2 - A VISA Secured credit card is used to establish or re-build your credit history. This card can be converted to a Signature Rewards card with an approved application. This credit card is accepted worldwide where VISA is accepted.
Interest Rate
7.000%
Annual Percentage Rate (APR)
7.123%
Origination Fee
1.00%
Interest Rate
6.875%
Annual Percentage Rate (APR)
7.003%
Origination Fee
1.00%
Interest Rate
7.000%
Annual Percentage Rate (APR)
7.130%
Origination Fee
1.00%
Interest Rate
6.625%
Annual Percentage Rate (APR)
6.831%
Origination Fee
1.00%
Interest Rate
6.375%
Annual Percentage Rate (APR)
6.661%
Origination Fee
1.00%
Interest Rate
7.500%
Annual Percentage Rate (APR)
7.636%
Origination Fee
1.00%
Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify. Taxes and insurance not included in payment examples; actual payment obligation will be higher. For jumbo rates you may contact us directly at 865-482-1043
60 Months
APR1 (as low as) 5.74%
Monthly Payment2 $19.21
120 Months
APR1 (as low as) 6.24%
Monthly Payment2 $11.22
180 Months
APR1 (as low as) 6.49%
Monthly Payment2 $8.71
240 Months
APR1 (as low as) 6.99%
Monthly Payment2 $7.75
60 Months
APR1 (as low as) 6.74%
Monthly Payment2 $19.68
120 Months
APR1 (as low as) 7.24%
Monthly Payment2 $11.73
180 Months
APR1 (as low as) 7.49%
Monthly Payment2 $9.26
240 Months
APR1 (as low as) 7.99%
Monthly Payment2 $8.36
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.APR1 (as low as)
7.50%
VPR3 (as low as)
Prime – 0.50%
Monthly Payment2
Minimum $25 or 1.25% of the principal balance as of the time of the draw, whichever is greater
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.APR1 (as low as)
8.50%
VPR3 (as low as)
Prime + 0.50%
Monthly Payment2
Monthly payment is the interest accrued.
*Rates subject to change with out notice.
1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.Federally Insured by NCUA.
NMLS #441816