* Offers are available to individuals only and cannot be combined with other offers. Valid only for new members who open an account at the Y-12 Credit Union Rocky Hill Branch 11/16/2026 - 02/28/2027. Offers can expire anytime without notice. APY is Annual Percentage Yield. Rates effective 10/15/2026. Fees may reduce earnings on deposit accounts. Bonus will only be paid to open and active accounts with a positive balance and will be reported as interest earned on IRS form 1099-INT; recipient is responsible for any applicable taxes. Other terms and conditions are disclosed in the Membership and Account Agreement. Membership eligibility required. Offer and account opening subject to Credit Union approval.

1. $1,200 Grand Prize Rules: Participation in the Contest is subject to the complete Contest Rules found here: y12fcu.org/rules. By submitting an Entry Form to participate in the Contest, you confirm your acceptance of and your agreement to abide by the complete terms and conditions found in the Contest Rules. The Contest is open to persons 18 years of age or older who register in person at Y-12 Credit Union’s Rocky Hill Branch, 7709 S. Northshore Drive, Knoxville, TN 37919. No purchase necessary. Employees of Y-12 Federal Credit Union, its subsidiaries, its advertising and promotion agencies, and the immediate family members and/or those living in the same household of each are not eligible to win.
2. $400 Checking Account Bonus Eligibility Requirements: To qualify for the $400 cash bonus, open a new Everyday or High Yield Checking account at the Rocky Hill Branch between 11/16/2026 - 02/28/2027. Must be a new member that has not had a consumer account with Y-12 Credit Union in the last six (6) months. A minimum recurring direct deposit of $500 monthly must be posted to the new checking account two times within 90 days of account opening. Once the 90-day period has elapsed, $400 will be posted to the Primary Share account on the last day of the month. Limit one per member. The APY for High Yield Checking is 3.50% for balances of $0 to $15,000; 0.05% for balances of $15,000.01 and above. Rates subject to change without notice after account opening. Fees may reduce earnings. High Yield Checking qualifiers to earn high yield dividends: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. If requirements are not met, a $5 monthly service fee will be charged and dividends will not be paid. Direct deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify.
3. $200 High Yield Money Market Account Bonus Eligibility Requirements: To qualify for the $200 bonus, member must: open a High Yield Checking and High Yield Money Market on the same business day, deposit a total of $25,000 or more in new money not transferred from a Y-12 Credit Union account into the new High Yield Money Market, and maintain funds for at least 90 days. Once the 90-day period has elapsed, $200 will be posted to the Primary Share account on the last day of the month. Limit one per member. High Yield Checking account is required for High Yield Money Market. Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers to earn dividends for High Yield Money Market. The APY for High Yield Money Market is 3.50% if High Yield Checking and minimum balance requirements are met. 1.00% APY for average daily balances $25,000 and above if qualifiers are not met for High Yield Checking. No dividends are paid for the dividend period if minimum average daily balance qualifier is not met. If High Yield Checking is closed, High Yield Money Market must be closed. Rates subject to change without notice after account opening.
4. $400 Auto Loan Bonus Eligibility Requirements: Cash bonus available on qualifying auto loan refinances from another financial institution. Existing Y-12 Credit Union loans are not eligible. Receive $100 for every $10,000 refinanced, up to $400 max. Loan must remain open and in good standing for a minimum of 90 days. Once the 90-day period has elapsed, the bonus will be posted to the Primary Share account on the last day of the month. Subject to credit approval. Limit one per member.
5. 4.75% APY Share Certificate Requirements: Minimum balance to receive advertised rate is $50,000. 25% of opening deposit must be new money not transferred from a Y-12 Credit Union account. Rate subject to change without notice. Penalties may apply for early withdrawal. At maturity, accounts automatically renew to a standard certificate with matching term at current rate unless changes are made during 7-day grace period.