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

Whether you’re in the market for a new or used vehicle, we’ve got great rates and convenient terms on all our vehicle loans every single day. And we’ll do more than provide financing. We have the tools to help you make the best purchasing decision. Visit one of our offices to browse through our new car pricing guides and NADA books. Or visit our website to check an NADA value or use our CarFax service to find out the history of your vehicle.

View our current rates for more information. Apply Now

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.