Last Updated: 04/18/2025
Y-12 Federal Credit Union Access Line of Credit
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
Starting at $500
APR (Variable APR)
Starting at 16.24%(Verified 06/21/2024)
Y-12 Federal Credit Union Access Line of Credit Review
Y-12 Federal Credit Union Access Line of Credit is offered through Y-12 Federal Credit Union, a credit union founded in 1950 and based in Oak Ridge, TN. Y-12 Federal Credit Union Access Line of Credit are available in 50 states and Washington, DC.
Y-12 Federal Credit Union Access Line of Credit FAQ
What APRs does Y-12 Federal Credit Union Access Line of Credit offer?
Y-12 Federal Credit Union Access Line of Credit offers a variable APR that starts at 16.24% APR.
Does the Y-12 Federal Credit Union Access Line of Credit charge an origination fee?
Yes, Y-12 Federal Credit Union Access Line of Credit charges a line of credit origination fee .Does the Y-12 Federal Credit Union Access Line of Credit charge a cash advance fee?
Yes, Y-12 Federal Credit Union Access Line of Credit may charge a fee .Does Y-12 Federal Credit Union Access Line of Credit charge a late fee?
Yes, Y-12 Federal Credit Union Access Line of Credit may charge borrowers a late payment fee .How much can you borrow via Y-12 Federal Credit Union Access Line of Credit?
Upon approval and based on your credit worthiness, your Y-12 Federal Credit Union Access Line of Credit personal line of credit will be assigned a credit limit of at least $500 .
. | Cash Advance Fee | N/A |
| Origination Fee | No |
| Prepayment Fee? | Yes |
| Late Payment Fee | No |
| Statement Balance Fee | No |
| Billing Cycle Charge | No |
What do you need to qualify for Y-12 Federal Credit Union Access Line of Credit?
Y-12 Federal Credit Union Access Line of Credit does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Y-12 Federal Credit Union Access Line of Credit does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Y-12 Federal Credit Union Access Line of Credit.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
Does Y-12 Federal Credit Union perform a hard credit pull?
Yes, Y-12 Federal Credit Union Access Line of Credit 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 Access Line of Credit
- Visit the Y-12 Federal Credit Union Access Line of Credit website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
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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