Today's rates from Y-12
| Product | Rate | APR | Points | We read | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 7.125% | 7.249% | — | Nov 2, 2026 Lender's sheet dated Oct 29, 2026 | Visit | |
| 15 Year Fixed | 6.625% | 6.831% | — | Nov 2, 2026 Lender's sheet dated Oct 29, 2026 | Visit | |
| 10 Year Fixed | 5.74% | 6.016% | — | Nov 2, 2026 Lender's sheet dated Oct 29, 2026 | Visit | |
| 5 Year ARM | 5.5% | 5.613% | — | Nov 2, 2026 Lender's sheet dated Oct 29, 2026 | Visit | |
| 15 Year ARM | 5.99% | 6.108% | — | Nov 2, 2026 Lender's sheet dated Oct 29, 2026 | Visit | |
| USDA 30 Year Fixed | 7.875% | 8.016% | — | Nov 2, 2026 Lender's sheet dated Oct 29, 2026 | Visit |
Rate history
Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.
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.
Where Y-12 writes mortgages
Y-12 publishes mortgage lending in 6 states.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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