Y-12 Federal Credit Union | Colleging

We are here to transform the lives of our members. We make life better by making banking as easy as it should be. You can rely on us for expert guidance and advice. We are:

• Member-owned and member-driven
• Supportive of you and our community's financial wellness
• Not-for-profit and service-centric
• Built on a legacy of trust

Membership Eligibility

We serve many communities across the southeast U.S. Learn more here.

Our Loan Products

Undergraduate/Graduate - 5.64% - 12.00% Fixed APR**

Y-12 Credit Union Private Student Loan

Repayment Terms: Up to 15 years

Repayment Options: Deferred Repayment, Immediate Repayment, Interest Only Repayment

This fixed rate provides the security of a locked-in interest rate over the life of your loan.

Loan Discount Details:

• 0.25% discount for auto payment of principal and interest.
• Cosigner Release option available after 36 consecutive, on-time payments after starting repayment.

*Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.

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Undergraduate/Graduate - 5.14%* - 12.00% Variable APR**

Y-12 Credit Union Private Student Loan

Repayment Options: Deferred Repayment, Immediate Repayment, Interest Only Repayment

This variable rate loan provides a lower rate up front that could increase or decrease quarterly.

Loan Discount Details:

• 0.25% discount for auto payment of principal and interest.
• Cosigner Release option available after 36 consecutive, on-time payments after starting repayment.

*Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.

APPLY NOW TRUTH IN LENDING

Parent - 5.64%* - 12.00% APR Fixed**

Y-12 Credit Union Private Parent Loan

Repayment Terms: Up to 15 years

Repayment Options: Immediate Repayment, Interest Only Repayment

This fixed rate loan provides the security of a locked-in interest rate over the life of your loan.

Loan Discount Details:

• 0.25% discount for auto payment of principal and interest.

* Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.

APPLY NOW TRUTH IN LENDING

Parent - 5.14%* - 12.00% Variable APR**

Y-12 Credit Union Private Parent Loan

Repayment Terms: Up to 15 years

Repayment Options: Immediate Repayment, Interest Only Repayment

This variable rate loan provides a lower rate up front that could increase or decrease quarterly.

Loan Discount Details:

• 0.25% discount for auto payment of principal and interest.

* Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.

APPLY NOW TRUTH IN LENDING

Refinance - 5.64%* - 12.00% Fixed APR**

Y-12 Credit Union Refinance Loan

Repayment Terms: Up to 15 years

Max Borrow Amt: $250,000

Repayment Options: Immediate Repayment

This fixed rate loan can assist in refinancing and consolidate student loans into one convenient payment.

Loan Discount Details:

• 0.25% interest rate reduction for auto payment of principal and interest.
• Cosigner Release option available after 36 consecutive, on-time payments after starting repayment.

*Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.

APPLY NOW TRUTH IN LENDING

Refinance - 5.14%* - 12.00% Variable APR**

Y-12 Credit Union Refinance Loan

Repayment Terms: Up to 15 years

Max Borrow Amt: $250,000

Repayment Options: Immediate Repayment

This variable rate loan provides a lower rate up front that could increase or decrease quarterly.

Loan Discount Details:

• 0.25% interest rate reduction for auto payment of principal and interest.
• Cosigner Release option available after 36 consecutive, on-time payments after starting repayment.

*Including 0.25% auto pay discount.
** The lowest Annual Percentage Rate (APR) is available to the most creditworthy applicants. Your actual APR will be based on your credit qualifications, loan program, interest rate option, repayment term, repayment option and whether you elect the automatic payment feature.

APPLY NOW TRUTH IN LENDING

To learn more, visit y12fcu.org

Important Information

Federal student loans permit borrowers in financial trouble to use certain options, such as income-based repayment, which may help some borrowers. Depending on the type of loan that you have, the government may discharge your loan if you die or become permanently disabled.

Need Help?

Contact Y-12 Credit Union today and we’ll be happy to discuss your options with you.

800-482-1043

Monday - Friday: 8:30 a.m. - 5:30 p.m. ET
Saturday: 9 a.m. - 2 p.m. ET

Routing #: 264281432