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Quiz

Which of our credit cards is right for you?

  • How do you plan to use your credit card?
    • To build or establish credit
      • Sounds like our fixed rate VISA® Classic card is right for you. It’s easy to apply for and comes with some nice extras.
    • To transfer my balance and lower my interest rate
      • High rates got you down? Transfer your balance over to us. Our VISA® Gold card has the lowest rate of any of the credit cards we offer.
    • Frequently, for every day purchases
      • Nice! Are you more interested in rewards, or a low rate?

What Is It?

Visa® Classic from Yolo Federal

The VISA® Classic is perfect for making everyday purchases, traveling, or covering unexpected emergencies. The card includes $150,000 travel accident insurance and an emergency replacement service.

Why Yolo Federal

Choose a local credit card

  • No annual fee
  • Zero cash advance fees
  • Generous credit line
  • Auto collision waiver
  • Zero liability for fraudulent purchases

Rates & Fees

Visa® Classic & Share Secured

Type Annual Percentage Rate (APR)
Purchases 11.90% to 17.90%
Balance Transfers 11.90% to 17.90%
Cash Advances 11.90% to 17.90%
Penalty APR and when it applies None

Visa® Classic & Share Secured Fees

Fee Type Fee
Annual Fee None
Balance Transfers None
Cash Advance None
Foreign Transaction 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
Late Payment Up to $15.00 after 4 days
Returned Payment Up to $30.00

Effective Date: December 1, 2017. The APR is accurate as of the effective date.

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 Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.

FAQs

Don't see the answer to your question?

  • Disclosures

    Programs (including but not limited to fees, rates, and features) are subject to change without notice.