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Credit Cards

A VISA credit card through YEFCU is a great deal for members looking for no annual fees, no balance transfer fees, and has lower rates than most bank credit cards. You can apply online or in person at our main branch location.

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Young woman sitting on couch excitedly punches the air as she stares at her credit card.

Our Featured Perks

Signing up for a YEFCU credit card means signing up for: 

  • No annual fee
  • No balance transfer fee
  • 25-day grace period on purchases
  • Lower interest rates
  • Added security for online purchases
  • Scorecard reward points
Happy African American woman with afro smiles at phone with credit card in hand.

Manage your account online

You can also manage your VISA account online for free at ezcardinfo.com

  • Review Account Information
  • Track Spending
  • Set Alert Notifications
  • Download Files
Loan Type APR*
Purchases APR*As Low as 7.99%
Balance Transfers APR*As low as 7.99%
Cash Advances APR*As low as 7.99%

*APR=Annual Percentage Rate when you open your account, based on your creditworthiness. Rates available to qualified members only and based on certain credit standards. Contact our loan department for information about how your rate is determined. To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau

**Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

*** Effective date January 11, 2023

Young family consults with financial counselor.

Get your loan questions answered personally

Our staff are here to help you with every step of the loan process. For questions and consultation, schedule an appointment to meet with a YEFCU loan officer to explore your options.

Schedule an Appointment

Our Members are Raving About YEFCU!

“We recently switched our Mastercard from a big institution to a Visa from YEFCU. We worked with Rose and she was top-notch. I could speak with an actual person who genuinely seemed to care about the best decision for us. The interest rate at YEFCU was SO much lower than the Mastercard from the big bank. We are extremely happy with our service from Rose and are happy that we can call or visit our local YEFCU with any matters. Thank you, YEFCU!”

– Amy

“It was a pleasure working with the loan officer, Rose, at YEFCU in getting a loan for an inexpensive used 2nd car I needed. Rose was highly professional and very patient in answering my questions as she provided many different options for the loan term-length and percent financed and how these various options affected the monthly payment. I applied on a Thursday morning and the funds were available – to the dealer I purchased from – on the next day, Friday morning. It was a smooth and pleasant experience working with Rose.rn”

– David K.

“The ladies out front are very helpful and do everything to make you comfortable and help solve all your problems in a professional way. Mrs. Tammy and Mrs. Rose are the bomb at getting your loans and collections as good as they can be to help things stay affordable and help get your credit right.”

– Natalie B.

“I can't thank (Tammy) enough for all of your effort and hard work in making this loan happen. Beyond that, thank you for recommending this based on what you saw on my credit report. I appreciate the heads up so much. You work fast!!! We will certainly reach out in the future if the need should arise.”

– Jennifer

“Customer service is a priority at YEFCU! Respect, attention to detail, and a friendly smile are all part of the package. A most wonderful environment!”

– Anthony F.

The first step of your financial journey is just a click away.

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