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Y-12 Visa Secured Credit Card card

Y-12 Visa Secured Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Poor / No Credit Required
Card network
Visa
Regular purchase APR
17.99% variable based on the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

Rebuild your credit with the Y-12 Visa Secured Credit Card and enjoy no annual fee or balance transfer fee –perfect for those looking to consolidate their debt. Minimum security deposit is $500 and cardholders will have the potential to be upgraded to the unsecured Y-12 Gold or Signature Visa card.

Our review of the Y-12 Visa Secured Credit Card

Looking to establish or rebuild your credit score in Eastern Tennessee? The Y-12 Visa Secured Credit Card from Y-12 Federal Credit Union is a top choice. Unlike many other cards for poor credit, this secured card offers several valuable perks that make it stand out.

With a low fixed APR, no balance transfer fees, and travel accident insurance, this card is a great option for those looking to improve their financial standing. Plus, in as little as 6 months, you could be eligible for an upgrade to a point-earning, unsecured card.

Not only is the Y-12 secured card great for building credit, but it’s also a useful tool for paying off pre-existing debt. With no annual fee, balance transfer fee, or foreign transaction fee, transferring balances is easy and cost-effective. The low APR applies to cash advances as well, making it a smart alternative to short-term loans.

And the best part? Pending responsible repayment behavior, you could be upgraded to a rewards card in just 6 months to a year. Earn Loyalty Rewards points and potentially increase your credit limit.

With a minimum deposit of $500, this secured card is accessible to those with poor credit. Plus, the deposit is fully refundable once you close the account.

Overall, the Y-12 Visa Secured Credit Card is a solid option for rebuilding credit in Eastern Tennessee. If you’re looking for a card that rewards good financial decisions, this may be the perfect fit for you.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • No balance transfer fee
  • Visa Credit Card benefits and protections
  • Make payments with online or mobile banking

Who this card may suit

  • You want to rebuild a poor credit score
  • You may need to carry over a balance or have difficulty paying in full each month
  • You have used payday advances or other short-term loans
  • You want the option to start earning credit card rewards within a year
  • You're a member of Y-12 Federal Credit Unio

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR17.99% variable based on the Prime Rate
Balance Transfer APR17.99% variable based on the Prime Rate
Cash Advance APR17.99% variable based on the Prime Rate
Late Payment Penalty FeeUp to $25
Return Payment Penalty FeeUp to $29
Minimum Deposit Required$500

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit Limited or No Credit.

Apply Now for Y-12 Visa Secured Credit Card (opens in a new tab)View issuer terms for Y-12 Visa Secured Credit Card (opens in a new tab)

Y-12 Visa Secured Credit Card

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You will leave this site for the issuer’s page. Confirm current terms there.

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Recommended credit
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Purchase APR
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