Unfiltered Rewards with Visa® Platinum CashBack Plus
Earn 3X points on gas and groceries, 2X points on everything else!
No hidden fees or complicated terms—just great rewards.
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About
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You are leaving the Yolo Federal Credit Union website. Yolo Federal Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. These external websites are not controlled by Yolo Federal Credit Union and Yolo Federal Credit Union makes no representation or warranty, express or implied, to the user concerning the information, content, presentation, accuracy or opinion of these sites or the quality, safety, or suitability of any software found on these sites. The privacy policies of Yolo Federal Credit Union do not apply to external sites and users should consult the privacy policies on these sites for further information. Thank you for visiting the Yolo Federal Credit Union website..
To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.
To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office.
To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.
To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office.
Credit Cards
From everyday purchases to dream getaways, our Visa® Credit Cards have you covered—without hidden fees or the high interest rates.
Rates & Fees
Compare and find your perfect Yolo FCU Credit Card
Feature/Rate
Visa® Platinum CashBack Plus
Visa®
Gold
Gold
Visa®
Classic & Share Secured
Classic & Share Secured
Purchase APR
14.24% - 18.00%*1
12.50%*2
11.90% - 17.90%*
Balance Transfer APR
14.24% - 18.00%*1
12.50%*2
11.90% - 17.90%*
Cash Advance APR
14.24% - 18.00%*1
12.50%*2
11.90% - 17.90%*
Annual Fee
None
None
None
Balance Transfers Fee
None
None
None
Cash Advance Fee
None
None
None
Foreign Transaction
None
None
3.00%
of each foreign currency transactions in U.S dollars
3.00%
of each U.S. Dollar transaction that occurs in a foreign country
of each foreign currency transactions in U.S dollars
3.00%
of each U.S. Dollar transaction that occurs in a foreign country
Late Payment
Up to $15.00 after 4 days
Up to $15.00 after 4 days
Up to $15.00 after 4 days
Returned Payment
Up to $30.00
Up to $30.00
Up to $30.00
Disclosure
*APR=Annual Percentage Rate. Effective Date: July 1, 2025. The APR is accurate as of the effective date. Rates are subject to change at any time.
Paying Interest: We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."For Credit Card Tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection at http://www.consumerfinance.gov/learnmore.
Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.
1 This APR may vary with the market based on the Prime Rate. APR will not exceed 18.00%.
2 This APR may vary with the market based on the average of the 6-month U.S. Treasury Bill Rate. APR will not exceed 18.00%.
Smart way to pay
Make purchases securely and conveniently using a Digital Wallet. You can buy items online or in stores with just a tap of your phone. Easily link your Yolo Federal Debit or Credit Card to your phone, smartwatch, tablet, or computer.
What our members say:
“The Member Relationship Specialist explained everything clearly. I enjoyed the application from start to finish. I feel I can trust Yolo Federal Credit Union with all my banking needs.”
Rogers Long
What our members say:
“My brother is disabled and needs extra help…Yolo Federal goes out of its way to help him, from checking issues to change purchases. They give him a seat and come to him since it is hard for him to stand for any length of time.”
Jonathan Cowan
What our members say:
“Love banking here💕”
Jeanie Morrison
What our members say:
“The team at Yolo FCU … is awesome. They treat all the members as if they are family, and my experience with them was nothing short of spectacular! I would recommend them to everyone I know!”
Abbas Chechi
What our members say:
“Best bank ever”
Monica Gallardo
What our members say:
“I couldn’t be more thankful for … how streamlined the experience was. I would recommend Yolo FCU to anyone looking for a place to handle their financial needs.”
James Haws
Yolo FCU Member
What our members say:
“This is a great bank!!! The staff is awesome.”
Matt Amundson
Yolo FCU Member
What our members say:
“Love our Credit Union. Staff is always friendly, courteous, and very helpful.”
Suzy Tadlock
Yolo FCU Member
Knowledge that gives you the power
Benefits of using a credit card
In this blog, we’ll cover three reasons to consider using a Credit Card for nearly every purchase.
A debt-free future with balance transfers
Discover key strategies like the Avalanche Method, Snowball Method, and Debt Consolidation to manage debt and achieve financial freedom.
Must-know ATM safety tips
Stay safe at ATMs by following these essential tips: be alert, prepared, cautious, and careful to protect yourself and your money from potential risks.
Mobile wallet security
Learn how to protect your cards from CNP fraud and secure your transactions with Mobile Wallets. Discover how tokenization adds an extra layer of security when shopping online.
Benefits of using a credit card
In this blog, we’ll cover three reasons to consider using a Credit Card for nearly every purchase.
Must-know ATM safety tips
Stay safe at ATMs by following these essential tips: be alert, prepared, cautious, and careful to protect yourself and your money from potential risks.
A debt-free future with balance transfers
Discover key strategies like the Avalanche Method, Snowball Method, and Debt Consolidation to manage debt and achieve financial freedom.
Mobile wallet security
Learn how to protect your cards from CNP fraud and secure your transactions with Mobile Wallets. Discover how tokenization adds an extra layer of security when shopping online.
Frequently asked questions
What is the credit limit for each Credit Card?
For our Visa Classic, Visa Gold, and Visa Platinum Credit Cards, the credit limits range from $100-$20,000 based on eligibility.
For our Visa Secure, the credit limit is based on how much is secured in the Savings Account. The minimum amount is $100.
What happens when I've rebuilt my credit with the Visa Secured Card?
Congratulations! Now it's time to apply for an unsecured credit card like our Visa Classic, Visa Gold, or Visa Platinum CashBack Plus Rewards Credit Cards.
How long does it take to build credit with the Visa Secured Card?
It depends. By making your payments on time and in full, you will start to develop good habits and build credit.
What happens when I've rebuilt my credit with the Visa Share Secured card?
Congratulations! Now it’s time to apply for an unsecured credit card like our Visa Classic, Visa Gold, or Visa Platinum
What Digital Wallets can I use to make payments?
You can load your Yolo Federal Debit or Credit Card(s) into:
- Apple Pay®
- Google Pay®
- Samsung Pay®
- Visa® Checkout
- Fitbit Pay®
- Garmin Pay®
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Ready to apply?
Our credit cards are easy to apply for and accepted worldwide.
Have questions? We are here to help.
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Meet Penny! Your virtual assistant, here to help you 24/7:
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Call us:
Toll Free:
(877) YOLOFCU (965-6328)Mon-Fri 10am-5pm
Sat 10am-2pm
Sat 10am-2pm
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Skip the line, schedule appointment:
Meet us at one of our branches or schedule a call
Everyone who lives, works, worships, or attends school in Yolo,
Sacramento, Placer, or El Dorado counties is eligible for membership.
Sacramento, Placer, or El Dorado counties is eligible for membership.
Everyone who lives, works, worships, or attends school in Yolo, Sacramento, Placer, or El Dorado counties is eligible for membership.
