ATM Locations  
Credit Cards  
Debit Cards  
CU Rewards Program  
Gift Cards  
Reloadable Cards  
Report Lost Or Stolen Cards  
Using VISA Overseas  
Verified by VISA  
VISA Debit Card Disputes  
VISA Security Sense  

  Using VISA Overseas
Credit Cards and Debit Cards

Y-12 Federal Credit Unionís VISA credit cards and debit cardswill not work outside of the US without prior authorization. This change in procedure is necessary due to the increasing occurrence of fraud from foreign countries on credit card and/or debit cards accounts.

To protect the member and the credit union, we ask that members request to allow foreign transactions on their credit card account. The member may write a hand written request, fill out a form at one of our branches, or click here to download a VISA Authorization for Overseas transactions form in PDF format. We ask for the following information:

  • Member Name
  • VISA Number
  • Share Number
  • Date of Departure
  • Date of Return
  • Countries of travel, if possible

For additional information, you may contact our VISA Credit Card Department by phone at 865-482-1043 or by email.


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.