Young Adult Loans

Gain Financial Freedom

Part of growing up involves gaining financial freedom. The freedom of getting your first car; the freedom of your first credit card; and the freedom of your own home. Y-12 FCU is here to help you access some of that freedom.  That's why we offer lending solutions and educational opportunities geared toward young adults ages 18 to 23 to help build your credit.

Credit Builder Loan

Our Credit Builder Loan is designed to assist borrowers in estblishing credit history for future financaing needs. This loan includes:

  • Signature loan amounts from $500 up to $1,000 with up to 12 or 18 month terms

  • $50 cash back incentive at payoff with completion of online financial education module

First-Time Auto Buyers

Your first auto loan is a big step and you should take that step with a trusted financial institution. With Y-12 Federal Credit Union's First-Time Auto Buyers Program, not only will you get competitive rates and great service; you'll also receive helpful tips to make the car-buying and car-financing process a breeze. This loan comes with competitive rates, manageable terms and is an excellent way to establish a credit history.

  • Financing for the purchase of first vehicle

  • Financing up to $20,000

  • Maximum term of 60 months

  Schedule an appointment at a branch location.

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