My Loan Offers

You can now access personalized, pre-approved loan offers through Digital Banking! All you need to do is click on "My Loan Offers" in the menu bar to find your offers. 

These could include pre-approved offers* for:

  • Auto Loans
  • Recreational Vehicle loans 
  • Credit cards
  • Personal loans

If you have offers available, simply choose the offer you'd like to redeem, click to activate, and Y-12 FCU takes care of the rest. Your loan offers are valid for 90 days. 

Example screen of My Loan Offers in Digital Banking:

*Rate pricing applicable to your loan has been determined by your credit history and other pre-qualifying factors. Taking advantage of one offer will affect the preapproved status of any remaining offers. If you wish to take advantage of multiple products, would like to qualify for a higher loan amount, or apply with a co-borrower, please contact us at 865-340-4594 as additional information and a full application is required.

To accept this offer, you must be the person to whom it is extended, be at least 18 years old, and meet the criteria we set for the offer. You must be a member in good standing and be current on any existing Y-12 FCU loans, your mortgage, and your vehicle loan payments.

Before extending credit we can (a) require you to sign documents, including a credit agreement and security agreement; (b) confirm your identity; (c) confirm that the collateral meets our requirements for value and condition of title; and (d) review your credit history to confirm that you still meet the criteria we used to select you and rescind this offer if you do not.

APR is Annual Percentage Rate. Other restrictions may apply.

This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). If you do not want to receive prescreened offers of credit from this and other companies, contact the consumer reporting agencies at or call toll-free 1-888-567-8688; or write, TransUnion Name Removal Option, P.O. Box 505, Woodlyn, PA 19094.