Energy Saver Loan

Save on Solar

Discover the savings when going green.

Energy Saver Loan

Rates as low as

6.50

APR*
Reduce your environmental impact
Let your home reflect your values

Energy Saver Loan

Our Energy Saver Loan is your ticket to affordable, energy-efficient home improvements like solar panels. With low rates, you can enjoy the financial perks of energy efficiency without the high cost. Apply now to start your green transformation today!
Image of house with some green trees near by

Highlights

Reduce your environmental impact

Could save you money on monthly energy costs

Let your home reflect your values

Rates & Fees

Consumer Loans

Loan type
Term in months
Max amount
Rate
APR*
Payment per $1,000†
Energy Saver
Up to 120 Mo.
$35,000
as low as 6.50%
as low as 6.50%
$11.35
Disclosure

*APR=Annual Percentage Rate. Based on loan balance of $10,000 or minimum amount required for term.

†Payment per $1,000 is based on the minimum APR reflected at the maximum term available in range.

Healthcare First Responder Discount: Yolo Federal Credit Union offers a .25% rate discount on qualifying fixed-rate loan products for healthcare and first responder professionals. Qualifying loan products include: Vehicle, Recreational Vehicle, Motorcycle, Boat, Real Estate, Home Equity, Signature, and Energy Saver Loans. To receive the discount, the individual must be employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system at the time of application and provide proof of employment. Retired healthcare and first responder professionals also qualify for loan discount.

Rates, Financing Amount and Terms: Some restrictions apply. Rates shown may not apply to every borrower, and the higher rates may be charged to other borrowers depending on their credit qualifications. Rate and term will be determined by member's credit worthiness. A member's creditworthiness will be based, for example, on factors such as debt to income ratios, credit history, employment, etc. For additional details regarding a specific category, please consult a credit union member services officer.
Effective Date: December 1, 2024. The APR is accurate as of the effective date. Rates subject to change at any time.

*Based on loan balance of $10,000 or minimum amount required for term.

†Payment per $1,000 is based on the minimum APR reflected at the maximum term available in range.

Healthcare First Responder Discount: Yolo Federal Credit Union offers a .25% rate discount on qualifying fixed-rate loan products for healthcare and first responder professionals. Qualifying loan products include: Vehicle, Recreational Vehicle, Motorcycle, Boat, Real Estate, Home Equity, Signature, and Energy Saver Loans. To receive the discount, the individual must be employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system at the time of application and provide proof of employment. Retired healthcare and first responder professionals also qualify for loan discount.

Rates, Financing Amount and Terms: Some restrictions apply. Rates shown may not apply to every borrower, and the higher rates may be charged to other borrowers depending on their credit qualifications. Rate and term will be determined by member's credit worthiness. A member's creditworthiness will be based, for example, on factors such as debt to income ratios, credit history, employment, etc. For additional details regarding a specific category, please consult a credit union member services officer.

Show moreShow Less

Loan calculator

Please enter an amount greater than $0
Please enter an amount greater than 0%
Please enter a number greater than 0

Monthly Payment

$0
Total payments
$0
Total interest
$0
Number of payments
0

Exclusive Healthcare & First Responder Offer

As a community, we have faced unprecedented challenges due to the pandemic. Many of which fell on the shoulders of our local healthcare and first responder professionals. Like many of you, we have a strong commitment to the community at our core, and we are dedicated to giving back.
As a thank you to local healthcare and first responder professionals, Yolo Federal is offering a 0.25% discount on select Consumer Loan products.
Image with ambulance card
Exclusive 0.25% rate discount for healthcare & first responder professionals
#1 best credit union in Yolo county
5 star service promise
Exclusive offer

Ready to apply or have questions?

What our members say:
“Friendly and listened to our needs”
Karie Carranza
“This was the easiest and most convenient loan process we've ever experienced … Yolo FCU will be recommended to all our friends and family. You are the best!”
Christine Mendes
“We love banking at Yolo Federal. The products can't be beaten!”
Laurie Richardson
Yolo FCU Member

Frequently asked questions

What are the benefits of an Energy Saver Loan?

The Energy Saver Loan is a fixed-term loan, meaning your payments won’t fluctuate and can be used on many different energy-efficient upgrades.

What can I use the Energy Saver Loan for?

  1. Solar panel installation
  2. Dual pane windows
  3. Attic/wall insulation
  4. Energy Star rated major appliances
  5. Heating/cooling systems
  6. Cool roof systems
  7. Most Energy Star rated upgrades

Who qualifies for the Healthcare & First Responder offer?

Individuals employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system.

To receive the discount, first responders or healthcare professionals must provide proof of employment such as Paystub, ID badge, etc.

Are there any exclusions for Healthcare & First Responder offer?

Offer cannot be combined with any other offer

  1. Excludes refinances of *existing* Yolo Federal Loans
  2. Loans completed before or after the promotional period
  3. All variable rate loans and lines of credit, including credit cards and HELOCs
  4. All Business Loans

Ready to apply?

Let your home reflect your values.

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.
Disclosure

Healthcare First Responder Discount: Yolo Federal Credit Union offers a .25% rate discount on qualifying fixed-rate loan products for healthcare and first responder professionals. Qualifying loan products include: Vehicle, Recreational Vehicle, Motorcycle, Boat, Real Estate, Home Equity, Signature, and Energy Saver Loans. To receive the discount, the individual must be employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system at the time of application and provide proof of employment. Retired healthcare and first responder professionals also qualify for loan discount. Subject to change at any time.

Show moreShow Less