Institution Type

Direct Lender

Marketplace Lending Platform

Other Institution

Broker

Nonbank Financial Service Provider

Financial Technology Company

Bank

Credit Union

Community Bank

Bank Partnership

Non-Profit

Business Hours (PST) - Monday

Business Hours (PST) - Tuesday

Business Hours (PST) - Wednesday

Business Hours (PST) - Thursday

Business Hours (PST) - Friday

Business Hours (PST) - Saturday

Business Hours (PST) - Sunday

Time Zone

New York (Eastern Time)

Chicago (Central Time)

Denver (Mountain Time)

Phoenix (Mountain Time no DST)

Los Angeles (Pacific Time)

Anchorage (Alaska Time)

Honolulu (Hawaii-Aleutian Time)

London (Greenwich Mean Time)

Berlin (Central European Time)

Moscow (Moscow Time)

Shanghai (China Time)

Manila (Philippine time)

NCUSIF Insured

Limited Liability Company (LLC)
Incorporation (Inc.)
Corporation - C Corp (Corp.)
Corporation- S Corp  (Corp.)
Corporation- B Corp (Corp.)
Corporation - Nonprofit (Corp.)
Sole Proprietorship
Partnerships

Business Structure

Limited Liability Company (LLC)

Corporation - Nonprofit

Corporation - C Corp

Corporation - B Corp

Corporation - S Corp

Partnership

Sole Proprietorship

Support Options

Online Knowledge Base

Phone Support

Online Chat Support

Email and Ticketing

Local Branches

Social Media

Deposit Insurance

Member FDIC

Member SIPC

Insured by NCUA

No Origination Fee

No Prepayment Fee

Auto Loan Type

Cash-Out Refinance

Lease Purchase

Dealer Purchase

Refinance

Private Party Purchase

Amount Range

Loan Term (Months)

Application Accepted

Co-borrower

Cosigner

Individual Applications

Military Status

Active Duty Military

Non-Military

Veterans

Military Dependent

Credit Score Range

States Offered

WV - West Virginia

WY - Wyoming

GU - Guam

AS - American Samoa

MP - Northern Mariana Islands

PR - Puerto Rico

VI - United States Virgin Islands

AK - Alaska

AL - Alabama

AR - Arkansas

AZ - Arizona

CA - California

CO - Colorado

CT - Connecticut

DC - Washington, DC

DE - Delaware

FL - Florida

GA - Georgia

HI - Hawaii

IA - Iowa

ID - Idaho

IL - Illinois

IN - Indiana

KS - Kansas

KY - Kentucky

LA - Louisiana

MA - Massachusetts

MD - Maryland

ME - Maine

MI - Michigan

MN - Minnesota

MO - Missouri

MS - Mississippi

MT - Montana

NC - North Carolina

ND - North Dakota

NE - Nebraska

NH - New Hampshire

NJ - New Jersey

NM - New Mexico

NV - Nevada

NY - New York

OH - Ohio

OK - Oklahoma

OR - Oregon

PA - Pennsylvania

RI - Rhode Island

SC - South Carolina

SD - South Dakota

TN - Tennessee

TX - Texas

UT - Utah

VA - Virginia

VT - Vermont

WA - Washington

WI - Wisconsin

Y-12 Federal Credit Union was founded in 1950 and is based in Oak Ridge, TN.

Learn more about Y-12 Federal Credit Union and its products by browsing the services it offers. You can also read our community reviews and hear what others have to say about their experience with Y-12 Federal Credit Union.

APR Type

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 Y-12 Federal Credit Union is offered by , founded in 1950 and based in Oak Ridge, TN. Y-12 Federal Credit Union are available in states.

Y-12 Federal Credit Union     is     offered   by ,        founded in 1950 and based in Oak Ridge, TN.    Y-12 Federal Credit Union     are     available in      states.

What APR does Y-12 Federal Credit Union offer on its car loans?

What APR does  Y-12 Federal Credit Union offer on its car loans?

 Y-12 Federal Credit Union offers an car loan product but they do not disclose their rates. 

Y-12 Federal Credit Union offers an    car loan product   but they do not disclose their rates.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with 

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

Does Y-12 Federal Credit Union charge an origination fee?

Does  Y-12 Federal Credit Union charge an origination fee?

 Yes, Y-12 Federal Credit Union may charge a loan origination fee . 

Yes,  Y-12 Federal Credit Union may charge a loan origination fee     .

Does Y-12 Federal Credit Union charge a late fee?

Does  Y-12 Federal Credit Union charge a late fee?

Yes, Y-12 Federal Credit Union charges borrowers with a late payment penalty fee 

Yes,  Y-12 Federal Credit Union charges borrowers with a late payment penalty fee

Does Y-12 Federal Credit Union charge prepayment fees?

Does  Y-12 Federal Credit Union charge prepayment fees?

Yes, Y-12 Federal Credit Union does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Yes,  Y-12 Federal Credit Union does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Y-12 Federal Credit Union loan?

Can I pay off early my  Y-12 Federal Credit Union loan?

Yes, you can. However, Y-12 Federal Credit Union charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.

Yes, you can. However,  Y-12 Federal Credit Union charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.

What do you need to qualify for Y-12 Federal Credit Union?

 Y-12 Federal Credit Union does not require or does not disclose a credit score minimum. 

 Y-12 Federal Credit Union does not have or does not disclose a minimum annual income eligibility requirement. 

Yes, Y-12 Federal Credit Union performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Yes,  Y-12 Federal Credit Union performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

 to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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