What Is It?
3.65% APR for 12 months
Spooked out by your debt? Treat yourself to a year of spooktacular savings with this limited time offer. Transfer your debt to our low-rate Visa® Gold credit card from October 1-31, 2019, to receive 3.65% APR* for 12 months.
Why Yolo Federal
Why choose Visa gold?
- Low rates
- No Balance Transfer fees
- No Annual fees
Rates & Fees
|Type||Annual Percentage Rate (APR)|
|Late Payment||Up to $15.00 after 4 days|
|Returned Payment||Up to $30.00|
*This APR may vary with the market based on the average of the 6-month U.S. Treasury Bill Rate.
Effective Date: October 1, 2019. 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.
Do I have to apply if I already have a Visa® Gold card?
No, you’ll need to contact a representative to conduct a balance transfer. Click here
When does this rate apply?
The rate applies to balance transfers completed from October 1-31, 2019.
Don't see the answer to your question?
*APR = Annual Percentage Rate. 3.65% APR applies to external balance transfers only. Rate valid for 12 months from the date the loan is advanced. After the promotional term, your rate will return to the then current rate as determined in your Credit Line Account Agreement and Disclosure. To receive the promotional balance transfer rate, the transfer must be completed during the promotional period: October 1-31, 2019. After the promotional 12 months term, the rate for balance transfers will revert to the current rate as determined in your Credit Line Account Agreement and Disclosure. Purchases, cash advances and internal balance transfers do not qualify for the promotional rate. The non-promotional rate for purchases, internal balance transfers, and cash advances is 10.50% APR and may vary as disclosed in your Credit Line Account Agreement and Disclosure. Non-promotional rate valid October 1, 2019 and subject to change without notice. Annual Percentage Rate and term determined by members’ creditworthiness. Subject to approval. Some restrictions may apply.