Personal Loans

Lower rates
Higher dividends

When you take out a secured loan, you can still build interest on your existing savings—while you borrow extra cash.

Call-4-Cash Rate

15.75

APR*
Flexible Loan Options
Flexible Loan Options

Call-4-Cash Rate

15.75

APR*
Flexible Loan Options

Call-4-Cash

Flexibility meets simplicity. With Call-4-Cash, you borrow only what you need from your credit line. Pay it off and reuse it as needed—no reapplications, just a call or online request to access your funds.

Access funds quickly when you need them

No prepayment penalties

Save money with a competitive rate

Savings or Certificate Secured Loan

Need cash without emptying your savings? With a Savings or Certificate Secured Loan, you can borrow money at lower rates and build your credit—all while your savings keep growing. It's a win-win!

Low monthly payments

Flexible terms for any life situation

Flexible terms for any life situation

Competitive rates

Competitive rates

Competitive rates

Call-4-Cash

Flexibility meets simplicity. With Call-4-Cash, you borrow only what you need from your credit line. Pay it off and reuse it as needed—no reapplications, just a call or make a transfer in online banking access your funds.

Access funds quickly when you need them

No prepayment penalties

Save money with a competitive rate

Savings or Certificate Secured Loan

Need cash without emptying your savings? With a Savings or Certificate Secured Loan, you can borrow money at lower rates and build your credit—all while your savings keep growing. It's a win-win!

Low monthly payments

Flexible terms for any life situation

Flexible terms for any life situation

Competitive rates

Competitive rates

Competitive rates

Rates & Fees

Call-4-Cash
CD Secured
Share Secured

Loan calculator

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Have questions or ready to apply?

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

Knowledge that gives you the power

The resolution train

Maintaining your resolution can be hard. To help, we’ve put together a list of our top 5 tips.

Balancing FOMO and your budget

In this blog, we outline three steps you can take to overcome that FOMO feeling.

Budgeting: pay yourself First

Most budgets focus on expenses. However, the pay yourself first method (aka reverse budget) prioritizes savings goals before expenses.

Financial education = financial success

How can we increase our confidence when making financial decisions? With financial education, of course.

The resolution train

Maintaining your resolution can be hard. To help, we’ve put together a list of our top 5 tips.

Budgeting: pay yourself First

Most budgets focus on expenses. However, the pay yourself first method (aka reverse budget) prioritizes savings goals before expenses.

Balancing FOMO and your budget

In this blog, we outline three steps you can take to overcome that FOMO feeling.

Financial education = financial success

How can we increase our confidence when making financial decisions? With financial education, of course.

Frequently asked questions

How do I apply for Call-4-Cash?

Schedule an appointment or call to get started.

What is the minimum deposit to open a Share Certificate?

The minimum deposit to open a Share Certificate is $500.

Is there a difference between a Share Certificate and a Certificate of Deposit?

No, Share Certificate is simply the name used by credit unions. The two accounts work exactly the same way.

Ready to apply?

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.