Last Updated: 04/18/2025
Y-12 Federal Credit Union Ultra Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 13.99%(Verified 06/21/2024)
Amount Range
Starting at $10,000
Loan Term (Months)
60 - 72
Y-12 Federal Credit Union Ultra Loan Review
Y-12 Federal Credit Union Ultra Loan is offered by Y-12 Federal Credit Union, a credit union founded in 1950 and based in Oak Ridge, TN. Y-12 Federal Credit Union Ultra Loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 13.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Y-12 Federal Credit Union Ultra Loan are on the higher end of the spectrum.
- Coborrower applications accepted. Applying for Y-12 Federal Credit Union Ultra Loan with a coborrower who has better credit than you could improve your chances of approval and may help you qualify for lower interest rates.
- Super long loan terms. Y-12 Federal Credit Union Ultra Loan offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Y-12 Federal Credit Union Ultra Loan Pros & Cons
| Pros | Cons |
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Y-12 Federal Credit Union Ultra Loan FAQ
What interest rates and personal loan terms does Y-12 Federal Credit Union Ultra Loan offer?
Y-12 Federal Credit Union Ultra Loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Y-12 Federal Credit Union Ultra Loan offer?
Y-12 Federal Credit Union Ultra Loan offers a fixed APR personal loan product that starts at 13.99% APR.
How much can you borrow via Y-12 Federal Credit Union Ultra Loan?
Personal loan amounts start at $10,000 .
What is the maximum loan term you can get with Y-12 Federal Credit Union Ultra Loan?
Y-12 Federal Credit Union Ultra Loan offers loans with terms of up to 72 months.
| Personal Loan Amount | Starting at $10000 |
| Loan Term | 60 - 72 months |
| APR | Starting at 13.99% |
What fees does Y-12 Federal Credit Union Ultra Loan charge?
Does Y-12 Federal Credit Union Ultra Loan charge an origination fee?
Y-12 Federal Credit Union Ultra Loan may charge a personal loan origination fee .
Does Y-12 Federal Credit Union Ultra Loan charge a late fee?
Y-12 Federal Credit Union Ultra Loan does not disclose whether it charges late payment fees.
Does Y-12 Federal Credit Union Ultra Loan charge prepayment fees?
No, Y-12 Federal Credit Union Ultra Loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Y-12 Federal Credit Union Ultra Loan?
Y-12 Federal Credit Union Ultra Loan does not require or does not disclose a credit score minimum. Y-12 Federal Credit Union Ultra Loan does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Y-12 Federal Credit Union Ultra Loan.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does Y-12 Federal Credit Union Ultra Loan report your account activity to credit bureaus?
Yes, Y-12 Federal Credit Union Ultra Loan 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 Ultra Loan 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.
Are Y-12 Federal Credit Union Ultra Loan legit?
Y-12 Federal Credit Union was founded in 1950, it is a well-established company that has been in business for 76 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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
Other Services by Y-12 Federal Credit Union
Other Personal Loans from Y-12 Federal Credit Union
Rating not yet determined
APR
Starting at 12.49%
Disclaimer popup with additional information
Amount Range
$500 - $1K
Loan Term (Months)
Up to 18
Rating not yet determined
APR
2.05%
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
N/A
Rating not yet determined
APR
Starting at 12.49%
Disclaimer popup with additional information
Amount Range
Starting at $500
Loan Term (Months)
48
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Learn MoreSuperMoney Net Recommendation Score
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