On-The-Spot Financing with Partner Dealers

Get approved and drive away on the same day from any of our partner dealerships. They can take and process your application and paperwork for Credit Union financing.

Dealer Partners

Helpful Tips & Tools

Make the best purchasing decision for you with these resources.

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  Vehicle Loan Comparison 
  

  
  
  

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  Purchase or Lease Comparison 
  

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  Low Rate or Cash Back Comparison 
  

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  Monthly Payment by Term Calculator 
  

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  Who is eligible for Y-12 Credit Union's auto loans and offers?

  Auto loans and special offers are available to new and existing Y-12 Credit Union members.
  
  

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  Are there any tools to help me decide on my loan?

  Yes! Check out our auto calculators that can help compare loans, payments, and terms. You can also check the value for your trade-in or prospective vehicle at J.D. Power and learn a vehicle's history at CARFAX.
   
  

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  How do I get started with an auto loan?

  Get rollin' by submitting your application online, at a branch, or through video banking.
  
  

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  Is an auto loan eligible for Loyalty Rewards redemption?

  Yes! Auto loans are eligible for Loyalty Rewards redemption. Please note that the qualifying loan requires a minimum opening balance of $5,000 and a minimum one-year term.
  
  

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  Why should I bank with Y-12 Credit Union?

  • Flexibility means having options. Manage your accounts in a branch, online, over the phone, through chat, in-app, with Video Banking, and more.
  • With our nationwide co-op ATM network, say goodbye to ATM fees and surcharges.
  • As a credit union, we make decisions with a member-first approach. Your success is our success.
  • Switching your direct deposit from another institution won't be a headache. Our free online tool, Pinwheel, will securely transfer direct deposits to your Y-12 Credit Union account.
  • From financial wellness tools to tips and tricks, take advantage of a supportive team that has your back and wants to see you succeed.