Home Equity Loans


Apply now, skip the closing costs!1
Ask your house to buy you something special.
Lock in the rate. Unlock the potential.
Plus, skip the closing costs when you apply today!1

Apply Now

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Let's talk perks.

Engage flexibility. Borrow what you need when you need it.
Enjoy peace of mind. Lock your balance into a low, fixed rate.2
Embrace value. Borrow up to 100% of your home's worth.3
Experience options. Choose between principal and interest or interest-only payments.
 Encounter the extra mile. Say hello to low closing costs,4 a $400 closing cost credit,1 and dedicated support from us as we cheer you on.   


You've put a lot into your house. 

Now it's payback time.

Home Improvements

A pool, the kitchen renovation, that dream backyard

Big Ticket Items

A boat, the RV, that unforgettable vacay

Life Events

A wedding, education, debt consolidation


We're here to help.

Image of Chantel, Home Equity Lending Consultant.

Home Equity Lending Consultant
800-482-1043 Ext. 8467

Image of Leigh Ann, Home Equity Lending Consultant.

Home Equity Lending Consultant
800-482-1043 Ext. 8452

Not a member? Not a problem!

Anyone can be a member! You qualify already if you: 

Live, work, worship, or go to school in Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier, or Union counties.
Have an immediate relative (parent, sibling, spouse, child, grandparent, grandchild, step-parent, step-sibling, or step-child) who is already a member.

Are a member of our Y-12 FCU Gives Foundation. It's easy to join! 
Learn More

Get Started

1. Minimum loan amount is $10,000. Offer valid 04/12/2024 – 06/30/2024. Subject to change without notice. No closing cost offer does not include appraisal, if required. NMLS 441816. Equal Housing Lender.
2. Lock in up to five fixed rate advances at one time. First rate lock is free, $35.00 for each additional. Must have a credit score of 620 or higher to qualify for interest only payments or 100% LTV Home Equity Loans.
3. Maximum LTV is 100% for Home Equity Loans with principal and interest payments and 95% for Home Equity Loans with interest only payments. Property insurance is required. Offer only applies to new Home Equity Lines of Credit opened on or after 4/17/2017. Offer is subject to change without notice. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE: If you made only the minimum monthly payment and took no other credit advances, it would take 10 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 3.99%. During that period, you would make 119 payments of $101.20 and one (1) final payment of $101.20.