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Yolo FCU Mobile


Free - On the App Store


Yolo FCU Mobile


Free - On the App Store


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

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: June 1, 2020. 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

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


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.

Used Auto Loan Rate Drop

Used auto loan rates dropped this month! Now you can find the car you love for the price you can afford. Follow the link to learn more and view the new rates.

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