×
Y-12
Official App
Free – Google Play
Get it
Swipe left and right to view full rates table data.
UNSECURED
Type Fixed or Variable Annual Percentage Rate (APR)*
Personal Loan as low as 9.99% Fixed
Ultra Loan as low as 11.99% Fixed
Access Line Of Credit (LOC) as low as 10.99% Variable
Share Secured - Installment 2.00% above share rate to nearest .25% Variable

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $5,000 personal loan with a term of 48 months at 9.99% APR, the monthly payment will be $126.79.

SECURED
Auto Fixed Annual Percentage Rate (APR)*
2015-2021 as low as 2.99%
2007-2014 as low as 3.24%
Watercraft / Campers / Motorhomes / Motorcycles / ATVs Fixed Annual Percentage Rate (APR)*
2015-2021 as low as 3.99%
2014 and older as low as 5.49%
Tractors / Farm Equipment Fixed Annual Percentage Rate (APR)*
2015-2021 as low as 4.99%
2007-2014 as low as 6.49%

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 auto loan with a term of 60 months at 4.24% APR, the monthly payment will be $370.50.

Apply Now

About Us | Accessibility Statement | ATM Locations | Branch Locations | Calculators | Careers | Contact Us | Fee Schedule | Forms | Privacy Policy | Public Relations | Site Map

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.