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Right Here Right Now Financing  

  Right Here Right Now Financing
You can enjoy the convenience of shopping days, nights, or weekends and obtain on-the-spot financing from Y-12 Federal Credit Union. Just visit the dealer, select your vehicle, negotiate your price and tell them you are a Y-12 Federal Credit Union member. They can take your application for credit union financing, process the paperwork, and send you home that day behind the wheel of your new car. Here are a few tips for faster Right Here Right Now Financing:
  1. Take your most recent payroll check stubs with you and have the finance manager send copies with the credit application.
  2. Make sure you have your driverís license with you. The finance manager will need to send copies with the loan.
  3. If you want your loan payments to be made through payroll deduction, inform the finance manager. A note can be made on your application.
Participating Dealers

Autos 2011-2017 as low as 2.74% 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
NMLS #441816
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
© 2016Y-12 Federal Credit Union, serving Oak Ridge, Knoxville, and surrounding East TN Counties.
All Rights Reserved.