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Fabulous Cards, Great Benefits!

Are are just starting to build credit or re-establish your current credit, need another credit card for convenience, or need a card with a higher line of credit?  No matter what you’re looking for – Y-12 Federal has a credit card* to meet your needs. And no matter which card you choose, you’ll enjoy great benefits. 

Just a few benefits include:

  • Contactless payments - simply tap and go anywhere you see the Contactless Symbol at checkout. In addition to being super-fast and convenient, contactless cards are safe and highly secure. Contactless cards use the same dynamic security as chip cards. Each transaction is accompanied by a one-time code that securely protects your payment information. 

  • Real-time payments – credit card payments made in a branch or using our online or mobile banking are posted to your account immediately.

  • Online and Mobile Banking – your Visa account is visible in your account summary, just like any other Y-12 FCU account.  You can view all transaction history right there in your account, without using a separate link.

  • Loyalty Rewards – Redeern reward points when you use your VISA Rewards debit card and VISA Signature credit card. Learn more about Loyalty Rewards.

  • View more benefits!

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Apply Now for a Credit Card

Learn about Balance Transfers 

*Subject to credit approval.

Report a lost or stolen card.

After clicking the CONTINUE button, you will be redirected to a web site that is not operated by Y-12 Federal Credit Union. Please review the website's privacy and security policies as they may differ from Y-12 Federal Credit Union.