Business Visa®

Business Payments, Streamlined

Need to cover rides, lunch, or office supplies? Make everyday business purchases hassle-free and convenient.
Built-in fraud protection
Built-in fraud protection
Built-in fraud protection

Business Visa

Say goodbye to petty cash. Our Business Visa works anywhere, making it easy to track and pay for all your business needs—at a rate that won’t break the bank.

Other loans for your business

Business Loans

Your business growth, powered by us. From the smallest steps to the biggest leaps, our financing solutions are designed to help you thrive.
Learn More

Commercial Vehicles and Equipment

Upgrade your business gear or get that new ride. Whether it’s upgrading equipment or adding vehicles, we’ve got the financing you need to boost your business.
Learn More

Business Visa®

Pay smarter, not harder. With our Business Visa®, track expenses, pay worldwide, and keep your business moving forward.
Learn More

Highlights

Competitive interest rates

Line of credit available up to $20,000

Personalized member service

Competitive interest rates

Line of credit available up to $20,000

Personalized member service

Rates & Fees

Business Visa

Rate/Fee Type
APR†/Fee
Purchases
14.94%*
Balance Transfers
14.94%*
Cash Advances
14.94%*
Penalty APR and when it applies
None
Annual Fee
None
Balance Transfers Fee
None
Cash Advance Fee
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
Over the Credit Limit
$10.00
Returned Payment
$30.00
Disclosures

†APR=Annual Percentage Rate
*This APR may vary with the market based on the Prime Rate.

Effective Date February 1, 2025. The APR is accurate as of this 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 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.

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What our members say:
“The Member Relationship Specialist explained everything clearly. I enjoyed the application from start to finish. I feel I can trust Yolo Federal Credit Union with all my banking needs.”
Rogers Long
“My brother is disabled and needs extra help…Yolo Federal goes out of its way to help him, from checking issues to change purchases. They give him a seat and come to him since it is hard for him to stand for any length of time.”
Jonathan Cowan
“Love banking here💕”
Jeanie Morrison
“The team at Yolo FCU … is awesome. They treat all the members as if they are family, and my experience with them was nothing short of spectacular! I would recommend them to everyone I know!”
Abbas Chechi
“Best bank ever”
Monica Gallardo
“I couldn’t be more thankful for … how streamlined the experience was. I would recommend Yolo FCU to anyone looking for a place to handle their financial needs.”
James Haws
Yolo FCU Member
“This is a great bank!!! The staff is awesome.”
Matt Amundson
Yolo FCU Member
“Love our Credit Union. Staff is always friendly, courteous, and very helpful.”
Suzy Tadlock
Yolo FCU Member

Frequently asked questions

How do I apply for a Business Visa?

The required documents vary based on what type of business you have (non-profit, sole proprietorship, etc.). To view our Business Visa Application, click here.

How do I submit my application?

Once you have completed the Business Loan Package, there are three ways to submit it.

1. By mail:

Yolo FCU

Attention: Business Lending

501 G Street

Davis, CA 95616

2. By fax: 530-758-1443

3. By email:BusinessLending@yolofcu.org

Have questions? We are here to help.

Everyone who lives, works, worships, or attends school in Yolo,
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.