VISA Classic  
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  VISA Classic
Whether you are just starting to build credit or re-establish your current credit, need another credit card for convenience, or need a card with a higher line of credit, one of our VISA cards will meet your particular need. Best of all, all of our VISA credit cards are offered at no annual fee!

All VISA Credit Card Accounts Have the Following Features...
  • No Annual Fees.
  • 25 day grace period on all purchases.
  • Your interest rate will not increase due to a late payment.
  • Ability to speak to friendly local member service representative, no automated phone system.
  • View your account transactions online.
  • ACH credit card payments available from Y-12 accounts or other institutions.
  • Free balance transfers.
  • Make payments at any branch or through Online Banking.

Please contact us at 865-482-1043, 800-482-1043 or by E-Mail.

>> Access your account online
>> Apply for a VISA Credit Card Online
>> VISA Application Disclosure
>> Consumer Credit Card Agreement

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.