×
Y-12
Official App
Free – Google Play
Get it
Swipe left and right to view full rates table data.
Credit Cards
  VISA
Signature Rewards		 VISA
Traditional		 VISA
Secured2
Annual Percentage Rate (APR)1 for Purchases 11.49% to 18.00% 8.99% to 18.00% 12.99%
Earn Loyalty Rewards  ✔ x x
No Annual Fee ✔ ✔ ✔
No Balance Transfer Fee ✔ ✔ ✔
25 Day Grace Period on New Purchases ✔ ✔ ✔
Make payments Online or use our Mobile App ✔ ✔ ✔
Set up Auto Payments ✔ ✔ ✔
Manage your Account Online ✔ ✔ ✔
VISA Benefits offered at no cost to you
Auto Rental Collision Damage Waiver ✔ ✔ ✔
Roadside Dispatch ✔ ✔ ✔
Travel Accident Insurance $1,000,000 $500,000 $500,000
NortonLifeLock ✔ ✔ ✔
Lost Luggage Reimbursement ✔ x x
Purchase Security ✔ x x
       

1 - Annual Percentage Rate (APR) is based on your creditworthiness when account is opened. This APR will vary with the market based on the Prime Rate. Subject to credit approval.

2 - VISA Secured
A VISA Secured credit card is used to establish or re-build your credit history.  This card can be converted to a Signature Rewards card with an approved application. This credit card is accepted worldwide where VISA is accepted. 

Please view our great credit card benefits we offer at no additional charge: 


VISA Signature Rewards Credit Card Benefits
VISA Traditional Credit Card Benefits
VISA Secure Credit Card Benefits

VISA Application Disclosure and Rates Consumer Credit Card Agreement Access Your Account Online Apply for a VISA Credit Card Online

OTHER SERVICES YOU MAY NEED

RELATED SERVICES

LOYALTY
REWARDS

Learn More About rewards

DISPUTE
FORMS

Learn More About forms

REPORT LOST
OR STOLEN CARDS

Learn More About lost cards

USING
VISA OVERSEAS

Learn More About visa

About Us | Accessibility Statement | ATM Locations | Branch Locations | Calculators | Careers | Contact Us | Fee Schedule | Forms | Privacy Policy | Public Relations | Site Map

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.