Credit union · NCUA insured
Y-12 Federal Credit Union Credit Card Rates
Y-12 Federal Credit Union credit cards start at 15.24% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Y-12 Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Knoxville, TN, where Y-12 Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Y-12 Federal Credit Union
15.24%APR
- Up to
- 18.00% APR
Visa Signature Rewards Credit Card
Lowest rate
Foothills Federal Credit Union
8.00%APR
- Up to
- —
2nd-lowest rate
CE Credit Union
9.50%APR
- Up to
- 13.50% APR
Y-12 Federal Credit Union credit card score
62
Credit card score
Higher than 6% of U.S. banks and credit unions
- Purchase APRPurchase APR15.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Y-12 Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Secured Credit Card
Used to establish or rebuild credit history. A cash deposit through a share savings account is linked to the card that serves as collateral. Can be converted to a Signature Rewards card with an approved application. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.74% | None | Annual Percentage Rate (APR) is based on creditworthiness when account is opened. This APR will vary with the market based on the Prime Rate. Subject to credit approval. |
Visa Signature Rewards Credit Card
Available to new and existing Y-12 Credit Union members. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory rate of 0% APR applies on purchases for 12 months from date of account opening for new cardholders only. Maximum one introductory rate offer per member. Subject to credit approval. |
| Ongoing | 15.24%–18.00% | None | Standard variable APR for purchases based on creditworthiness when account is opened. Varies with the market based on the Prime Rate. Subject to credit approval. |
Visa Traditional Credit Card
Available to new and existing Y-12 Credit Union members. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74%–18.00% | None | Annual Percentage Rate (APR) is based on creditworthiness when account is opened. This APR will vary with the market based on the Prime Rate. Subject to credit approval. |
Who can join Y-12 Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Individuals who do not qualify through another option can become eligible by joining the Y-12 FCU Gives Foundation, with the credit union making a one-time donation on their behalf.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in one of the credit union's eligible communities.
Employers and groups
- Eligibility is open to current or retired employees of partner businesses and organizations in the U.S.
Family and household
- Eligibility is open to immediate family members of an existing member, including a parent, sibling, child, spouse, grandparent, grandchild, step-parent, step-sibling, or step-child.
Cost to join
- There are no membership fees at Y-12 Credit Union.
Membership information collected October 5, 2026.