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  • Fixed rate at 3.99% *APR
  • No Annual Fees
  • No fee balance transfers

Applying is Easy! Click the "Apply Now" link below to apply instantly online or visit any of our 14 branches to apply in person. 

.99%

Enjoy an AWESOME fixed rate

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Limited Time VISA Card Promotion
For Existing & New Cardholders

APR

*Percentage rate based on the member’s card type and beacon score. Variable rate subject to change based on the prime rate. APR is Annual Percentage Rate. Does not include cash advances or ATM withdrawals. Call 800-482-1043 for more information. Federally insured by NCUA.

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JUST IN TIME FOR THE NEW YEAR...

Receive 3.99% APR on all purchases and VISA Balance Transfers now through February 17, 2017!  You will receive this rate of 3.99% APR through October 15, 2017.  Don’t have a Y-12 FCU VISA Credit Card?  Apply today!

EAST TENNESSEE’S REGIONAL CREDIT UNION SERVING: Knox, Anderson, Blount, Campbell, Loudon, Roane, Sevier and Union counties.BRANCH LOCATIONS: Oak Ridge, Alcoa, Cedar Bluff, Clinton, Farragut, Hardin Valley, Harriman, LaFollette, Maryville, North Knoxville, Powell and Sevierville.