Last Updated: 07/28/2025
Y-12 Federal Credit Union Visa Secured Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
18.00%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
18.00%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Y-12 Federal Credit Union Visa Secured Credit Card Review
This is a secured credit card issued by Y-12 Federal Credit Union. If you're wondering whether Y-12 Federal Credit Union Visa Secured Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 18.00%
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- No intro balance transfer fee. Y-12 Federal Credit Union Visa Secured Credit Card does not charge a fee on balance transfers.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, identity theft protection, travel accident insurance, and fraud protection.
Pros & Cons of Y-12 Federal Credit Union Visa Secured Credit Card
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Y-12 Federal Credit Union Visa Secured Credit Card FAQ
Does Y-12 Federal Credit Union Visa Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Y-12 Federal Credit Union Visa Secured Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Y-12 Federal Credit Union Visa Secured Credit Card has a variable purchase APR of 18.00%. The card has a variable balance transfer APR of 18.00% . It also has a variable cash advance APR of 18.00% .
Does Y-12 Federal Credit Union Visa Secured Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Y-12 Federal Credit Union Visa Secured Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Y-12 Federal Credit Union Visa Secured Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Y-12 Federal Credit Union Visa Secured Credit Card?
The customer service number for Y-12 Federal Credit Union Visa Secured Credit Card is (865) 482-1043.
What is the support contact email for Y-12 Federal Credit Union Visa Secured Credit Card?
The support contact email for Y-12 Federal Credit Union Visa Secured Credit Card is Y12info@y12fcu.org.
What is the login page for Y-12 Federal Credit Union Visa Secured Credit Card?
You can access the login page of Y-12 Federal Credit Union Visa Secured Credit Card here.
How do people rate the customer service and user experience of Y-12 Federal Credit Union Visa Secured Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Y-12 Federal Credit Union Visa Secured Credit Card report your account activity to credit bureaus?
Yes, Y-12 Federal Credit Union Visa Secured Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Y-12 Federal Credit Union perform a hard credit pull?
Yes, Y-12 Federal Credit Union Visa Secured Credit Card 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.
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.
How to apply for Y-12 Federal Credit Union Visa Secured Credit Card
- Visit the website of Y-12 Federal Credit Union Visa Secured Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 5:30PM
Saturday
9:00AM - 12:00PM