LOCK in a great rate and UNLOCK your dreams with a 

 Home Equity Line of Credit from Y-12 FCU.

Introductory Rate

Fixed for Six Months

Terms up to 10 years  

Borrow up to 100% loan-to-value

Equal Housing Lender Y-12 Federal Credit Union



Annual Percentage Rate



Current Variable Rate

5.00 - 8.50


Annual Percentage Rate


Whether you are looking for a smart option to consolidate debt, renovate your home, go on vacation, or pay for a wedding, our HELOCK product is right up your alley. Don’t make yourself choose between a home equity line of credit or a home equity loan when you can have both at Y-12 Federal Credit Union. Our HELOCK starts as a line of credit that is always there when you need it. It doesn’t stop there. You can also lock in a fixed rate at any time for terms up to 10 years.

  • Borrow what you need when you need it
  • Low closing costs
  • Potential for tax-deductible interest
  • Ability to lock your balance into a low, fixed rate for terms up to 10 years
  • Rates as low as prime minus .50%
  • Borrow up to 100% of the value of your home
  • No prepayment penalties
  • Principal and interest and interest-only payment options
  • Easy access to funds with online banking or the Y-12 FCU mobile app

Just a few great reasons Y-12 FCU’s HELOCK is sure to meet your needs:

We also offer an Interest Only Home Equity Line of Credit option that may be just what you need to have more cash in your wallet at the end of the month.

For more information about HELOCK, call us at (865) 482-1043 or visit your local branch.

*APR is Annual Percentage Rate. Minimum loan amount $10,000. After the six-month introductory period the rate will revert to the floor rate of 3.99% or the Prime Rate as published in the Wall Street Journal plus or minus margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. Any loan fee that is a percentage of the credit limit and an estimate of any other fees to open the plan, stated as a single dollar amount or reasonable range. Consult a tax advisor regarding deductibility of interest and fees. Low closing costs for new HELOCKs only. Closing costs range between $300-$3,800.

501 LaFayette Drive, Oak Ridge, TN 37830

Phone: 865-482-1043        Fax: 865-483-8835

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