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*APR is Annual Percentage Rate. Promotional rate effective 4/15/2020 – 7/15/2020 and only applies to the transferred balance.  Zero percent ends on the last day of the sixth billing cycle after your first balance transfer transaction.  After promotional period the rate will revert to the standard rate.  Your actual rate will be based upon the specific VISA product you have and your credit score at the time of application.

Get rid of higher interest rates!


A VISA balance transfer may be your answer to getting rid of higher interest rates. A balance transfer can help you save on interest by consolidating your higher interest rate debt balances onto one of our low rate credit cards. Move your high-interest debt to Y-12 FCU, with no balance transfer fee, and lower your monthly payments!

Existing card holders can complete a balance transfer quickly and easily using these steps:
  1. Log into Online Banking or Mobile Banking
  2. Choose Transfer option
  3. Select Transfer from VISA Card
  4. Choose your checking account
  5. Then use your checking account to pay off your other debt

If you need assistance with a balance transfer, please call us at 865-482-1043.

If you don’t have a Y-12 FCU Visa credit card, what are you waiting for?  Click the Apply Now link below to get started. 

  View more Card Benefits Apply Now for a Credit Card

After clicking the CONTINUE button, you will be redirected to a web site that is not operated by Y-12 Federal Credit Union. Please review the website's privacy and security policies as they may differ from Y-12 Federal Credit Union.