VISA Classic  
VISA Gold  
VISA Platinum  
VISA Signature  
Text Alerts  
CU Rewards Program  
Credit Card Interest Rates  
Report Lost or Stolen Cards  
Verified by VISA  
VISA Accesspoint  

  VISA Platinum
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.
VISA Platinum Benefits Package Includes...

Warranty Manager Service

Offers a number of valuable features, including warranty registration and Extended Warranty Protection, all available with a simple toll-free telephone call. And with our VISA Performance Guarantee you have the option of purchasing affordable Extended Service Agreements.
  • Warranty Manager's registration service helps you take full advantage of your warranties, because you can get key information about your coverage with a single toll-free call.
  • Warranty Manger Service offers Extended Warranty Protection coverage that doubles the free repair period under the original manufacturer's written U.S. repair warranty up to one additional year on eligible warranties of three years or less when an item is purchased entirely with your eligible VISA Gold or VISA Platinum card.
Travel & Emergency Assistance

Help when you don't know where to turn. You can count on a wide range of emergency services available whenever and wherever you need them, 24 hours a day, 365 days a year.
  • Emergency Message Service can record and relay emergency messages for travelers, immediate family members, or business associates.
  • Medical Referral Assistance provides medical referral, monitoring, and follow-up.
  • Legal Referral Assistance can arrange contact with English-speaking attorneys and with U.S. embassies or consulates if you're detained by local authorities, have a car accident, or need legal assistance.
  • Emergency Transportation Assistance can help you make all the necessary arrangements for emergency transportation home or to the nearest medical facility.
  • Emergency Ticket Replacement helps you with the carrier's lost ticket reimbursement procedures if you should lose your ticket and can arrange delivery of a replacement ticket to you.
  • Lost Luggage Locator Service can help you through the common carrier's claim procedures or can arrange shipment of replacement items if an airline or common carrier loses your checked luggage
  • Emergency Translation Service provides telephone assistance in all major languages and helps find local interpreters, if available, when you need more extensive assistance.
  • Prescription Assistance and Valuable Document Delivery Arrangements can help you get prescriptions filled or replaced, subject to local laws, and can even arrange pickup and delivery of prescriptions filled for you at local or nearby pharmacies. It can help transport critical documents which you may have left at home or elsewhere.
  • Pre-Trip Assistance can give you information on your destination before you leave - information such as ATM locations, currency exchange rates, weather reports, health precautions, immunizations, and required passport visas.
  • Common carrier life insurance on the VISA Gold and VISA Platinum card.
Auto Rental Insurance

Provides - at no additional charge - coverage on a 24-hour basis for damage due to collision or theft up to the actual cash value of most rental vehicles when certain terms and conditions are met.

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.