- Forgot Username or Password?
- Register a New Account
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?
- Bring on the rewards
- Great! We think you’ll love our VISA® Platinum Cash Back Rewards card.
- Definitely a low rate
- Great! Our VISA® Gold card has the lowest rate of any of the credit cards we offer.
- Bring on the rewards
- Nice! Are you more interested in rewards, or a low rate?
- To build or establish credit
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
| 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: August 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.
| 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: August 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.
FAQs
-
What is the credit limit for this card?
The credit limit is however much is secured in the Share account.
-
How much do I need to secure?
The minimum amount is $100.
-
What happens when I've rebuilt my credit?
Congratulations! Now it’s time to apply for an unsecured credit card like our Visa Classic, Visa Gold, or Visa Platinum
-
How long does it take to build credit?
It depends! By making your payments on time and in full you will start to develop good habits and build credit.
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.