There's no place like home.

We want you to make yourself at home. Better yet, we want you to feel comfortable making a house a home. Whether you’re in the market for your first place, a bigger place to raise your growing family, or a peaceful place to enjoy retirement, we’ll be with you every step of the way. 


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100% Financing

Think of 100% financing as our way of showing you a short cut home. Designed for those who are ready for home ownership, but don’t have enough savings for a hefty down payment, this program can get you into a home sooner than you thought possible.

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Jumbo Loans

Ready to move up – and by up, we mean up to that 5-bedroom, 5-bath stunner in the great neighborhood or the mountain retreat with the killer views and absolutely no neighbors? If so, one of our Jumbo Home Loans can make your dream home, your next home.

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Rapid Refi

Fast. Quick. Swift. All of these are synonyms for the word “rapid.” Why is that important for you to know? Because with our Rapid Refi, you can save some serious cash and quickly, when you refinance your primary or secondary home. Let us help you become mortgage-free faster!

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USDA Loans

Y-12 Federal Credit Union partners with the US Department of Agriculture to help make your new rural home a reality. Stay where you're comfortable — and stay away from the hustle and bustle — but where it also suits your convenience.

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Home Equity

Whether you are looking for a smart option to consolidate debt, renovate your home, go on vacation, or pay for a wedding, our HELOCK product is right up your alley. Don’t make yourself choose between a home equity line of credit or a home equity loan when you can have both at Y-12 Federal Credit Union. Our Home Equity Loan starts as a line of credit that is always there when you need it. It doesn’t stop there. You can also lock in a fixed rate at any time for terms up to 10 years (payment example: as of April 1, 2021, fixed up to 120 months at 4.74% with monthly payment at $10.49 per $1,000).

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