Discounted Loans for Healthcare & First Responders
Vehicle Loans
Other Loans
Accounts
Digital Services
Financial Wellness
Download iOS or Android app
Home & Equity Loans
Other Loans
Financial Investments
Financial Planning
Accounts & Services
Loans & Credit
Financial Planning
Business
About
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Leaving Our Site
You are leaving the Yolo Federal Credit Union website. Yolo Federal Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. These external websites are not controlled by Yolo Federal Credit Union and Yolo Federal Credit Union makes no representation or warranty, express or implied, to the user concerning the information, content, presentation, accuracy or opinion of these sites or the quality, safety, or suitability of any software found on these sites. The privacy policies of Yolo Federal Credit Union do not apply to external sites and users should consult the privacy policies on these sites for further information. Thank you for visiting the Yolo Federal Credit Union website..
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.
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.
Recreational Vehicle Loans
Explore life's adventures
Fund your journey of unforgettable memories on land or sea.
.svg){kind=icon}
Competitive rates
Flexible terms
Budget friendly payments
Flexible terms
New & used financing options
New & used financing options
New & used financing options
Fast and easy online application
New & used financing options
Competitive rates & flexible terms
Budget friendly payments
Flexible terms
New & used financing options
New & used financing options
New & used financing options
Fast and easy online application
New & used financing options
Competitive rates & flexible terms
Rates & Fees
New & Used RV & Boats
Term in months
Minimum amount
Rate as low as
APR1
Payment per $1,0002
Up to 60 Mo.
N/A
7.24%
7.24%
$19.44
61-72 Mo.
$10,000
7.24%
7.24%
$17.16
73-84 Mo.
$20,000
7.24%
7.24%
$14.72
85-96 Mo.
$30,000
7.24%
7.24%
$13.26
97-120 Mo.
$50,000
7.24%
7.24%
$11.22
121-144 Mo.
$70,000
7.24%
7.24%
$9.88
145-180 Mo.
$100,000
7.24%
7.24%
$9.12
Disclosures
*APR=Annual Percentage Rate. Effective Date: December 1, 2024. Rates subject to change at any time.
1 APR=Annual Percentage Rate. Based on loan balance of $10,000 or minimum amount required for term.
2 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.
Loan calculator
Total payments
Total interest
Number of payments
Simple vehicle buying
Credit Union Direct Lending (CUDL®)
Our CUDL® program gives you access to a database of dealerships and vehicles, helping you research, find, and finance your car.
Research car values in one convenient place
Find and apply at local, honest dealerships
Contactless purchase, at home test drive, and free home delivery
Exclusive offer
Healthcare & First responder offer
Special offer for healthcare workers and first responders, helping you own a home faster.
Zero down payment options.
Lower interest rates.
Fast and easy approval process.
Have questions or ready to apply?
Apply Now
Schedule Appointment
What our members say:
Knowledge that gives you the power
Navigating the car buying process: a guide for first-time buyers
If you’re a first-time car buyer, you may know it can be daunting to navigate the car buying process. In this blog we’ll give you the information you need to make an informed decision.
Is it time to refinance your ride?
With Individuals feeling the impact of rising inflation and the cost of gas, one way to access funds is utilizing your vehicle’s equity with a cash-out refinance.
Refinancing to save
Why should you refinance your vehicle? Depending on your current financial situation, and your goals, refinancing could save you money.
Next exit: new car
How far away is your new car? While it can seem daunting to shop for a new car, we have your back.
Navigating the car buying process: a guide for first-time buyers
If you’re a first-time car buyer, you may know it can be daunting to navigate the car buying process. In this blog we’ll give you the information you need to make an informed decision.
Refinancing to save
Why should you refinance your vehicle? Depending on your current financial situation, and your goals, refinancing could save you money.
Is it time to refinance your ride?
With Individuals feeling the impact of rising inflation and the cost of gas, one way to access funds is utilizing your vehicle’s equity with a cash-out refinance.
Next exit: new car
How far away is your new car? While it can seem daunting to shop for a new car, we have your back.
Frequently asked questions
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.
What are the loan requirements for the First Time Auto Buyer program?
Offer cannot be combined with any other offer
- Excludes refinances of *existing* Yolo Federal Loans
- Loans completed before or after the promotional period
- All variable rate loans and lines of credit, including credit cards and HELOCs
- All Business Loans
Start living the life
Have questions? We are here to help.
.svg){kind=icon}
Meet Penny! Your virtual assistant, here to help you 24/7:
.svg){kind=icon}
Call us:
Toll Free:
(877) YOLOFCU (965-6328)Mon-Fri 10am-5pm
Sat 10am-2pm
Sat 10am-2pm
.svg){kind=icon}
Skip the line, schedule appointment:
Meet us at one of our branches or schedule a call
Everyone who lives, works, worships, or attends school in Yolo,
Sacramento, Placer, or El Dorado counties is eligible for membership.
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.
