Lock and Shop

If you are looking for a new home, don't let rising rates stress you out!  Whether you’re in the market for your first place, a bigger place to raise your growing family, or a peaceful place to enjoy retirement, lock in now and shop with peace of mind. We’ll be with you every step of the way.

Enjoy these benefits when you lock and shop

  • No fee to lock rate for 120 days
  • Property address in not required
  • Option to adjust rate one time during lock period
  • Available for primary and secondary homes

*Property must be in contract by the 30th day prior to rate expiration

Apply Now 

Not a member? Not a problem! 

You are eligible to join Y-12 Federal Credit Union if you live, work, worship or go to school in Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier or Union counties in East Tennessee, or if you have an immediate relative (parent, sibling, spouse, child, grandparent, grandchild, step-parent, step-sibling or step-child) who is already a member.

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