Smerge Your Bills & Conquer Your Debt


With a balance transfer from Y-12 Federal Credit Union, you'll save and pay down debt faster with:

  • 0% APR* for 12 months and low APR thereafter between 8.99% and 18.99% will apply
  • Applying is easy with quick approval notification


Apply Now 

Credit card consolidation is easier than ever
with Y-12 Federal Credit Union. 

All great things start with a smerge. Peanut butter and jelly. Biscuits and gravy. Even your credit card bills.

Smerge 'em together and save with a balance transfer to Y-12 Federal Credit Union's Visa Traditional or Visa Signature Rewards credit card! 


Compare Visa Credit Card Options





Visa Traditional 
Visa Signature Rewards 
Earn Loyalty Reward Points

Annual FeeNo Annual FeeNo Annual Fee
Balance Transfer Available

Manage Account Online

Auto Rental Collision Damage Waiver

Roadside Dispatch 

Travel Accident Insurance$500,000$1,000,000
Lost Luggage Reimbursement

Purchase Security

Norton LifeLock



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.


Already a member?

Don't have a Y-12 FCU credit card? No problem! Apply online anytime!

Before applying online, be sure to check your Online Banking or Mobile App for pre-approved loan offers. 


Existing Y-12 FCU card holders can contact us for personalized assistance with your balance transfer.

Call our Member Service Center at 865-482-1043 or visit any branch location.

*APR is Annual Percentage Rate. Promotional rate offered 01/14/2022 - 04/14/2022 and only applies to the transferred balance.  0% ends on 04/14/2023. After promotional period the rate will revert to the standard rate. Your actual rate will be based upon your credit score at the time of application.  A balance transfer fee of 3% of the amount transferred applies. Visa Secured and Visa Business cards are not eligible for this offer.