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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.
No Gimmicks, Just Good Deals
Special Offers
Green vehicle discount⁴
Healthcare & First Responder 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.
*The Third-Party Closing Costs Offer (“Offer”) waives all third-party closing fees and is valid for First Mortgages only 10/25/24-3/31/25 (“Promotional Period”). Mobile Home Loans are excluded. Second Mortgages qualify for waived third-party fees under a separate offer. To qualify, a mortgage loan application must be submittedwithin the Promotional Period and the loan must be funded prior to the application expiration date. Appraisal fees will be reimbursed at closing. If the mortgage loan is paid off and closed within 24 months, all waived third-party fees must be repaid to Yolo FCU. Property insurance is required, and flood insurance may be required based on property location. For a list of waived third-party fees, email RealEstate@yolofcu.org. Some restrictions may apply. Based on a $400,000 loan amount at 7.06% fixed APR, monthly payments would be approximately $2,662over a 30-year term. Estimated closing costs before waiving third-party fees are $6,524. Estimated waived third-party fees are $4,320. Individual savings mayvary.
*Receive a $100 discount off a LegalTrack – Wills and Trust package 1/15/25 through 4/30/25. To qualify, you must 1) be a Yolo Federal Credit Union member, 2) complete the will or trust package template, and 3) process payment using code GIFT100 by 4/30/25. Some restrictions may apply.
We are not a law firm nor are we attorneys. We are not the substitute for an attorney nor law firm. We do not provide legal advice nor legal services. This site and applications are not intended to create any attorney-client relationship and your use of this site and/or applications does not and will not create an attorney-client relationship.
*The Yolo Federal Credit Union Debt Consolidation Rate Discount (“Offer”) of 0.50% is valid February 10 to March 31, 2025 (“Promotional Period”). To qualify for the Offer, members must (1) apply and be approved for a signature Loan, (2) transfer at least $500 from another financial institution during the Promotional Period. Internal balance transfers are excluded. Can not be combined with another offer. Membership is open to those who live, work, worship, or attend school in Yolo, Sacramento, El Dorado, or Placer County, or have an immediate family member who is a current member. Subject to approval. Restrictions may apply.
*APR=Annual Percentage Rate.
Final rate and term is based on creditworthiness. Payment on a term of 24 months equals $43.26 per $1,000 financed. Up to 100% financing available. Discounted rate available for new vehicles only. New Auto discounted rate cannot be combined with another offer. Rate effective February 14, 2025. Rates subject to change. Restrictions may apply.
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Sacramento, Placer, or El Dorado counties is eligible for membership.
