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To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.
To apply for a Home Loan, 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.
Enjoy the perks of membership
PAY Pass
Yolo Federal’s PAY Pass (Perks at Yolo) program celebrates your loyalty with exclusive benefits as you grow your relationship. Earn points based on the products and services you use, and as your points grow, so do your rewards. Enrollment is automatic once you qualify—enjoy even more perks with your Yolo Federal membership!
3 levels of rewards
Exclusive benefits for members
No enrollment needed
Skip-A-Pay
Need a vacation from your loan payment? Yolo Federal can help! With our Skip-A-Payment program, you can skip your Yolo FCU loan payment up to 2 times per calendar year. Just choose a loan payment you’d like to skip, and for a $30 processing fee, you can skip your next payment. Log into Online Banking, go to Transfer & Pay and select Skip-A-Pay sign up for the Skip-A-Pay program and add some more room to your budget this month.
Here for you during the good and the bad times
Skip a payment up to 2 times per calendar year
To qualify for a Skip-A-Pay, the loan must have been opened for at least 12 months, the request must be made 5 days before the payment due date, and consecutive months cannot be skipped. Limit 2 skips per calendar year. The Skip-A-Pay program will extend the term of the loan(s) by one month with a $30 processing fee per loan for each month skipped, and the interest charges will continue to accrue in the usual manner. Excludes Real Estate and Business Loans. Yolo FCU reserves the right to discontinue this feature at any time. If you have a Total Loss Claim on your vehicle and have purchased Guaranteed Auto Protection (GAP) coverage, skipping a payment may affect the amount of GAP Insurance refund received if claim filed. Yolo FCU is not responsible for the cancelation of an automatic payment made from a 3rd party. Following the skipped month, payment will resume as usual. Some restrictions apply. Subject to approval.
LegalTrack — Wills and Trusts
As a valued member, you receive access to affordable and legally valid estate planning templates for Wills and Trusts to complete at your convenience, from the comfort of your own home. You can create your customized estate planning documents, including wills, trusts, powers of attorney, and more. There’s never been an easier, more affordable way to protect your family, home, and assets.
Reliable estate planning legal documents
Convenient, affordable, secure, and easy to use
Insurance
Insurance is an important part of a solid financial plan. The key is finding coverage that fits your needs and budget from someone you can trust. The right insurance can help give you peace of mind.
Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most. Trust us for all your insurance needs, including life, health, car and home, accidental death and dismemberment coverage and more.
Get a quote or explore your options at TruStage.com.
Insurance that you can trust
Life, health, car, accidental death and dismemberment coverage, and more
TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Products and features may vary by state.
© TruStage Insurance Agency
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Discount services
Perks and free services for members
Discounts to Disneyland, Legoland, San Diego Zoo, and much more
Frequently asked questions
Is there a fee for Skip-A-Pay?
There is a fee of $30 per loan and month skipped for each application. For your convenience, the fee will be charged directly to the skipped loan(s).
Is there a deadline for submission for Skip-A-Pay?
Yes, at least 5 days before the payment due date.
Are there any other stipulations for Skip-A-Pay?
To qualify for a Skip-A-Pay, the loan must have been opened for at least 12 months, the request must be made 5 days before the payment due date, and consecutive months cannot be skipped. Limit 2 skips per calendar year. The Skip-A-Pay program will extend the term of the loan(s) and interest charges will continue to accrue in the usual manner. To qualify, membership must be in good standing. Account(s) must not be overdrawn and all loans must be current before the desired payment can be skipped. Subject to approval. Some restrictions may apply.
Excludes Real Estate and Business Loans. Yolo FCU reserves the right to discontinue this feature at any time.
If you have a Total Loss Claim on your vehicle and have purchased Guaranteed Auto Protection (GAP) coverage, a Skip-A-Pay may reduce your GAP coverage by the amount of your monthly payment plus the Skip-A-Pay fee.
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Sacramento, Placer, or El Dorado counties is eligible for membership.
