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  Gap Plus
Y-12 FCU is pleased to inform members that we offer Gap Plus on our car loans. If you total your car or if it is stolen, Gap Plus can help eliminate the difference of what you owe on the car and what your insurance company will cover. It may also pay $1,000 towards a new auto (excludes motorcycles) if you finance with Y-12 Federal Credit Union within 90 days of your insurance claim.

* Gap Plus is often costly, especially when it is purchased at a dealership, but when you get your car loan with Y-12, it only costs $450. This is valid through the life of the loan. Dealerships involved in our Dealer Direct program have the Gap Plus paperwork on hand, so you donít even have to come into one of our branches to fill out the forms.

Click here for a full listing of participating dealers in our Dealer Direct program. For more information about car loans and Y-12 FCU Gap Plus, contact the credit union at 865-482-1043, ext. 467, or 800-482-1043, ext. 467.

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Autos 2010-2016 as low as 2.49% APR
60-Month Certificate as high as 1.25% 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
© 2015Y-12 Federal Credit Union, serving Oak Ridge, Knoxville, and surrounding East TN Counties.
All Rights Reserved.