Current Promotions

A couple driving in a car on highway toward a sunset.

AUTO & TOY LOANS

Play now, pay later.

Gear up with no payments for 90 days on your next auto, boat, ATV, personal watercraft, RV, farm vehicle, or motorcycle loan.1

Gif of flat hand coming from right side and rotating prizes above.

HIGH YIELD MONEY MARKET

Meet High Yield Checking's trusty sidekick.

This match made in financial heaven can earn you 4.50% APY.2

HIGH YIELD CHECKING

Dividends you're gonna wanna jump on.

Not only do you earn big dividends, you also earn rewards on debit card purchases.

SHARE CERTIFICATES

Sit back and earn.

With special offers like up to 4.75% APY3, hands-off earning has never been easier.

MEMBER PERK

Save big on Biltmore tickets.

Enjoy member savings on value-priced Biltmore tickets with the promo code y12fcu at checkout.

EVENT

Shred it and forget it.

Destroy those docs at our next Shred Day on Oct. 5 at our Hardin Valley Branch.


1. APR is Annual Percentage Rate. First payment due no later than 90 days after loan funding for qualified loans originating on or after May 30, 2024, until further notice; interest accrual begins on date of funding. Existing Y-12 FCU loans excluded. Rate pricing based on credit score, term, and age of collateral. Loans subject to credit approval. This offer is for a limited time only and can be withdrawn at any time. Federally insured by NCUA. 

2. The Annual Percentage Yields (APYs) for High Yield Checking, effective 09/23/2024, are: 4.00% APY for balances of $0 to $15,000.00; 0.05% APY for balances of $15,000.01 and over or if High Yield requirements are not met. Requirements to earn High Yield dividends: 15 debit and/or credit card monthly combined posted and cleared transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. 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. High Yield Checking required for High Yield Money Market. Minimum average daily balance of $25,000 required to earn dividends for High Yield Money Market. The Annual Percentage Yield (APY) for High Yield Money Market is 4.50% if High Yield Checking and minimum balance requirements are met. 1.00% APY for average daily balances $25,000 and over if requirements are not met for High Yield Checking. If High Yield Checking is closed, High Yield Money Market must be closed. Rates subject to change without notice after account opening. Fees may reduce earnings on account. Federally insured by NCUA. 

3. Minimum balance to receive advertised rate is $10,000. Rates accurate as of 09/23/2024 and require $10,000 in new money not transferred from an existing Y-12 FCU account. APY is Annual Percentage Yield. Rates subject to change without notice. Penalties apply for early withdrawal. At maturity, accounts automatically renew at current rate unless changes are made during 7-day grace period. Federally insured by NCUA.