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.
- 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.
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 |
| 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.
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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