The Y-12 Federal Credit Union is a personal credit card from Y-12 Federal Credit Union. The annual fee is No annual fee. The ongoing APR is 14.99% to 18.00% variable (as of 01/15/2026) after a 0% introductory APR on purchases for 12 months introductory rate for 12 months. Signup bonus: $200 cash bonus (20,000 bonus points) after $1,000 in purchases in the first 90 days. Rewards: Guaranteed minimum 1.5% cash back on every purchase; 2% cash back through the Loyalty Relationship Rewards program (requires Relationship Rewards membership).