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Accounts

Savings

 
Looking to build a new home? Let the professionals at Y-12 Federal Credit Union assist you in securing the necessary funds to build your dream home. We provide a 12-month commitment for completion. We offer competitive rates with all loans approved and serviced locally.

Checking

 
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Money Market

 
Our Business Money Market account allows business members to earn competitive rates on higher balances. The account has five deposit tiers:
  • $2,500 - $24,999
  • $25,000 - $74,999
  • $75,000 - $99,999
  • $100,000+

Loans

Business Real Estate

 
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Business Unsecured Line of Credit

 
An unsecured line of credit you can use for temporary working capital needs.
  • Loan amounts from $5,000 - $50,000
  • Interest rate tied to Prime
  • Convenient access options
  • Interest only for up to one year with an annual review

Business Home Equity Line of Credit

 
An unsecured line of credit you can use for temporary working capital needs.

 

  • Loan amounts from $5,000 - $50,000
  • Interest rate tied to Prime
  • Convenient access options
  • Interest only for up to one year with an annual review

Business Secured Line of Credit

 
For growing businesses that need a consistent source of capital, the Y-12 Business Secured Line of Credit provides flexible financing at competitive rates. Lines range from $5,000 to $250,000.
  • Loan amounts from $5,000 - $250,000
  • Interest rate tied to Prime
  • Interest only for up to one year with an annual review

Business Installment/Term Loan

 
A Y-12 Business Installment/Term loan is a secured fully amortized loan up to $500,000 for small businesses. Term loans are an excellent source of funding for purchasing equipment, vehicles, and other fixed assets.

Commercial Mortgage

 
Our commercial mortgages make owning, re-financing, or renovating commercial real estate easy and affordable. We offer flexible financing options that include competitive rates, and low monthly payments.

Credit Card

VISA Business Platinum Card

 
This card combines the great features of our personal Platinum Card with useful reporting features for our business members. All Y-12 FCU VISA cardholders enjoy:
  • 25 day grace period on purchases
  • View your account transactions online via www.y12fcu.
  • Make payments online or at any branch
  • Earn CURewards on every purchase