Real estate rates can change daily and are subject to creditworthiness. Contact our Real Estate Department to see what the current rates are.
To apply, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office.
To qualify for membership, you must live, work, worship, attend school, or looking to purchase your primary residence in Yolo, Sacramento, Placer, or El Dorado counties.
These are the current eligibility requirements for WISH:
The income is updated each year. WISH Program Information 2024 includes the current rates.
Potentially. You may be required to return all (or a portion) the WISH grant funds if the home ceases to be your primary residence within 5 years of purchasing the property.
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.
Offer cannot be combined with any other offer
*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.