Official App
Free – Google Play
Get it
First Responder Loan Discount

Receive a .25% discount off your qualified rate on fixed rate consumer loans.

Y-12 FCU is proud to support those who make a difference. To honor the service of those who are there for us, we are offering a loan discount on qualified loans.

For more information about our First Responder Loan Discount options, call 865-482-1043. You may also view rates or apply online!

Who is Eligible?

  • Medical Professionals
    Includes all medical doctors (MDs), physicians’ assistants (PAs), registered nurses (RNs), certified nursing assistants (CNAs), licensed practical nurses (LPNs), Radiologic Technologists (X-Ray Techs), dentists (DDSs) and dental assistants (CDAs).
  • First Responders
    Includes public, private, and volunteer firefighters, paramedics and EMTs.
  • Law Enforcement
    Includes uniformed officers, detectives, state police, highway patrol, sheriffs, special jurisdiction police, air marshals, border patrol agents, crime scene investigators, corrections officers and federal law enforcement officers.

​We recognize that so many essential workers worked hard and put themselves at risk to keep our nation going this year, including our own front-line employees.  We greatly appreciate all those efforts and wish we could do more to recognize each of you. 

*Subject to credit approval. Excludes mortgage loans, lines of credit, and credit cards.  New money only.  Cannot be combined with other discounts or offers.  Verification of employment and job title/position may be required for eligibility. Applicants must meet standard underwriting criteria for approval; qualified borrowers only. Note, rate discount will be applied after application approval is processed. Offers are subject to change and may be withdrawn at any time. Rates subject to change at any time. Other restrictions may apply. All loans subject to approval based upon creditworthiness, qualifications, and collateral conditions.

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.