With a balance transfer from Y-12 Federal Credit Union, you'll save and pay down debt faster with:
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.
Compare Visa Credit Card Options
Visa Signature Rewards
|Earn Loyalty Reward Points||✖||✔|
|Annual Fee||No Annual Fee||No Annual Fee|
|Balance Transfer Available||✔||✔|
|Manage Account Online||✔||✔|
|Auto Rental Collision Damage Waiver||✖||✔|
|Travel Accident Insurance||$500,000||$1,000,000|
|Lost Luggage Reimbursement||✖||✔|
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.
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.