CU RateFinder
    Credit union mortgage rates
    Home state: Tennessee
    Open membership
    Lends in 6 states

    Y-12 mortgage rates

    Y-12's lowest publicly advertised 30-year fixed rate today is 7% — the national average is 6.88%. We track Y-12 daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from Y-12

    ProductRateAPRPointsAs ofSource
    30 Year Fixed7%7.123%1Sep 11, 2026Visit
    15 Year Fixed6.375%6.578%1Sep 11, 2026Visit
    10 Year Fixed5.74%6.016%1Sep 11, 2026Visit
    5 Year ARM5.5%5.613%1Sep 11, 2026Visit
    15 Year ARM5.99%6.108%1Sep 11, 2026Visit
    USDA 30 Year Fixed7.75%7.889%1Sep 11, 2026Visit
    Visit Y-12's rates page

    Rate history

    Lowest daily rate Y-12 advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join Y-12

    Membership in Y-12 Federal Credit Union is open to anyone who lives, works, worships, or attends school in Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier, and Union counties in Tennessee. You are also eligible if you are an immediate family member of a current member, or if you are a current or retired employee of one of their partner businesses and organizations. Additionally, individuals who join the Y-12 FCU Gives Foundation are eligible for membership.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    County
    Anderson County, TN, Blount County, TN, Campbell County, TN, Knox County, TN, Loudon County, TN, Roane County, TN, Sevier County, TN, Union County, TN

    Where Y-12 writes mortgages

    Y-12 publishes mortgage lending in 6 states.

    AlabamaGeorgiaKentuckyNorth CarolinaTennesseeVirginia

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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