Lender profile
Y-12 Federal Credit Union
Lender Live rate observations
Y-12 Federal Credit Union at a glance
Y-12 Federal Credit Union is a lender based in Tennessee. LoanMate.ai tracks 8 published loan products from Y-12 Federal Credit Union (8 rate listings), last verified 2026-10-21. Its lowest published rate today is 5.5% on 5/5 ARM. Its 30-year fixed rate of 7.25% is 0.125 points above the national median of 7.125% (across 265 lenders publishing that product). Y-12 Federal Credit Union lends in Tennessee only.
Purchase mortgage (4)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 5/5ARM | 5.500 | 5.613 | — | Origination Fee 1.00% | 2026-10-21 | Lender source ↗ |
| 10FP | 5.740 | 6.016 | — | Origination Fee 1.00% | 2026-10-21 | Lender source ↗ |
| 15FP | 6.750 | 6.957 | — | Origination Fee 1.00% | 2026-10-21 | Lender source ↗ |
| 30FP | 7.250 | 7.376 | — | Origination Fee 1.00% | 2026-10-21 | Lender source ↗ |
Auto loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW | — | 5.99 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-USED | — | 6.99 | — | — | 2026-10-21 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC | — | 12.49 | — | — | 2026-10-21 | Lender source ↗ |
| PERS-UNSEC-LINE | — | 14.74 | — | — | 2026-10-21 | Lender source ↗ |
How does Y-12 Federal Credit Union's 30-year fixed rate compare nationally?
- #3 nationally for 5/5 ARM — 5.5% (of 30 lenders publishing it)
Compare all purchase mortgage rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in Tennessee
Compare with: Appalachian Community Federal Credit Union, Ascend Federal Credit Union, Eastman Credit Union, Enrichment Federal Credit Union
Common questions
What is the lowest published rate at Y-12 Federal Credit Union?
As of October 21, 2026, the lowest rate LoanMate.ai tracks from Y-12 Federal Credit Union is 5.5% on its 5/5 ARM. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Y-12 Federal Credit Union lend?
Y-12 Federal Credit Union lends in Tennessee only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Y-12 Federal Credit Union's 30-year fixed rate compare nationally?
Y-12 Federal Credit Union publishes 30-year fixed at 7.25%. The national median for that product is 7.125% across 265 lenders in LoanMate.ai's October 21, 2026 dataset, so Y-12 Federal Credit Union is 0.125 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.