Visa Share Secured - Yolo Federal Credit Union Skip to main content
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Yolo FCU Mobile

Finance

Free - On the App Store

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Yolo FCU Mobile

Finance

Free - On the App Store

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 Share Secured from Yolo Federal

If you’re not sure where to begin when it comes to your credit, this is the option for you. This is the rare credit building card that doesn’t bog you down with fees. Our Share Secured card uses your share account as collateral, so you have the freedom to borrow money directly.

Why Yolo Federal

We believe in second chances

  • No annual fee
  • No balance transfer fee
  • Zero cash advance fees

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

Effective Date: October 1, 2024. The APR is accurate as of the effective date. Rates 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.

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: October 1, 2023. The APR is accurate as of the effective date. Rates 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)."

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?

  • *This is not a secured email. Please do not include sensitive personal/financial information in this form. If you would like to discuss account details, please include a phone number so we can contact you. Thank you!
  • This field is for validation purposes and should be left unchanged.

  • Disclosures

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

Stay Protected Against Fraud

We closely monitor for potential fraud and proactively work to protect members. Click "Learn More" for information about Fraud Text Alerts. If you suspect fraud or have questions, please call, schedule an appointment, or click on Let's chat! to speak with a Yolo FCU representative.

Learn More