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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.
Visa® Platinum
Get More from Every Purchase
Elevate your spending with a card that works as hard as you do. Rewards for everyday purchases, with no annual fee.
3% cashback on gas and groceries
2% cashback on all purchases
No annual fee
Redeem cashback at anytime
2% cashback on all purchases
3% cashback on
gas and groceries
gas and groceries
Redeem cashback at anytime
No annual fee
Rates & Fees
Visa Platinum CashBack Plus
Rate/Fee Type
APR†/Fee
Purchases
14.24%-18.00%*
Balance Transfers
14.24%-18.00%*
Cash Advances
14.24%-18.00%*
Annual Fee
None
Balance Transfers
None
Cash Advance
None
Foreign Transaction
None
Late Payment
Up to $15.00 after 4 days
Returned Payment
Up to $30.00
Disclosures
†APR=Annual Percentage Rate
*This APR may vary with the market based on the Prime Rate.
Effective Date: July 1, 2025. The APR is accurate as of the effective date. Rates subject to change at any time.
APR will not exceed 18.00%.
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.
Purchases made using the Yolo FCU Visa Platinum Cashback Plus Card earn standard rewards of 2 (two) point per $1 (“Standard Rewards”). Gas and grocery purchases will receive three (3) points for every $1. Qualifying gas and grocery purchases include MCCs 5542, 5541, 5543, and 5411. Rewards will be credited automatically and can be redeemed at any time on amounts greater than $25 at yolofcu.org/myrewards. Any declined or reversed charges won’t qualify for the offer. Contact a credit union representative for additional details.
Some limitations or restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.
*This APR may vary with the market based on the Prime Rate.
Effective Date: July 1, 2025. The APR is accurate as of the effective date. Rates subject to change at any time.
APR will not exceed 18.00%.
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.
Purchases made using the Yolo FCU Visa Platinum Cashback Plus Card earn standard rewards of 2 (two) point per $1 (“Standard Rewards”). Gas and grocery purchases will receive three (3) points for every $1. Qualifying gas and grocery purchases include MCCs 5542, 5541, 5543, and 5411. Rewards will be credited automatically and can be redeemed at any time on amounts greater than $25 at yolofcu.org/myrewards. Any declined or reversed charges won’t qualify for the offer. Contact a credit union representative for additional details.
Some limitations or restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.
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.
Debit vs. Credit
You grab your wallet to pay when the merchant asks you, debit or credit? Which do you choose? This is a decision we face almost every day but may not necessarily know how we get to our end result.
Frequently asked questions
Where do I go to view or redeem my rewards?
Easily redeem your rewards from Online or Mobile Banking:
- Log into Online Banking
- Select "Tools" (or "More" then "Tools" from the Mobile App)
- Click "Visa Platinum CashBack Plus Rewards"
- Choose "Redeem Points"
- Tap the Menu in the top left corner and select "Redeem Rewards"
- Select what you would like to redeem
- Then proceed with entering your banking information and click "Next"
- Input your contact information and click Continue to Step 2
- Review your information and tap "Place My Order"
The minimum redemption amount is 2,500 points or $25.
Is there a limit to how many points I can earn?
No there is no monthly or annual cap on points, but points do expire after 3 years at months end. To redeem your points, login to Online or Mobile Banking.
Do I need to opt into the promotional offers?
No, you are automatically opted-in for promotional offers. Points earned on promotional offers will be applied to your account differently than regular purchases. See the offer for more details.
What is the credit limit for this card?
Credit limits range from $100-$20,000, based on your eligibility.
How much is the insurance included with this card?
This card includes:
$300,000 Automatic Travel Accident Insurance
$10,000 Hotel and Motel Burglary Coverage
$1,250 Lost Luggage Reimbursement
To learn more about the Emergency Medical and Dental coverage that is also included, feel free to contact us.
Cardholders can also access to NortonLifeLock for free!
Have questions? We are here to help
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Meet Penny! Your virtual assistant, here to help you 24/7:
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 10:00 - 17:00
Sat 10:00 - 14:00
Sat 10:00 - 14:00
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Skip the line, schedule appointment:
Meet us at one of our brunches 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.
