Annual Report  
ATM Locations  
Branch Locations
Call Center  
Fee Schedule  
Mission Statement  
Shareholder News  
TV Commercials  
Y-12 FCU Core Values  
Y-12 News  

  Y-12 News
Non-VISA Debit Card Transaction Processing

Your VISA debit card allows you to conduct transactions on the Pulse, Co-Op, and NYCE Networks, which generally requires you to enter your PIN. Some merchants, however, are authorized to accept non-VISA debit transactions without requiring you to enter your PIN. If you choose to sign (not use your PIN) to authorize a debit transaction, the transaction will be routed as a VISA credit transaction. However, the provisions and benefits disclosed in your cardholder agreements that specifically relate to VISA transactions are not applicable to non-VISA debit transactions.

<< previous   next >>   

Autos 2009-2015 as low as 2.10% APR
60-Month Certificate as high as 1.15% APY
Home Equity-Variable Interest Only as low as 4.00% APR
*Rates subject to change; certain restrictions apply.(1)APR (2)APY
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency
Member Cellular Discounts with Sprint

NMLS #441816
Equal Housing Lender
© 2014Y-12 Federal Credit Union, serving Oak Ridge, Knoxville, and surrounding East TN Counties. All Rights Reserved.