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  ACCESS Line of Credit
Online application is for consumer lending ONLY. To open a Business Membership or Business Loan, please call (865) 482-1043 or E-Mail.

Our ACCESS Line of Credit gives you instant access to loan funds whenever and wherever you need them. Once you're approved, you can simply write yourself a loan when and where you need the funds using personalized loan drafts that look and work just like checks.

Because ACCESS is an open line of credit, it could be the last loan that you'll ever need to apply for. ACCESS will allow you to combine your current unsecured loans at your credit union into one line of credit loan, meaning only one payment instead of several. We'll also issue you a monthly statement to help you keep track of your line of credit advances, remaining credit, payment amount and due date.

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Autos 2010-2016 as low as 2.35% APR
60-Month Certificate as high as 1.15% 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.