The Y-12 Federal Credit Union All Credit Levels is a cdfi lender from Y-12 Federal Credit Union. The ongoing APR is 14.99% - 18.00% APR*. Rewards: Visa Signature Rewards. This product reports activity to your personal credit report. Y-12 Federal Credit Union, located in Oak Ridge, TN, provides a range of financial services aimed at building relationships and transforming lives within the community. They serve anyone interested in membership, focusing on improving the financial well-being of individuals and families in the region. Services include: personal loans, auto loans, mortgages, business loans. US Treasury certified CDFI Credit Union in Oak Ridge, TN. Membership required.