*APR=Annual Percentage Rate. Effective Date: April 1, 2026.
The APR is accurate as of the effective date. The property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office. The property must be a Single Family-Owner Occupied Residence in an incorporated area and not listed for sale only. Rates subject to change at any time.*The Annual Percentage Rate (A.P.R.) may be adjusted on the 1st day of each month. The A.P.R is based on the value of an index. The index is defined as the Prime Rate as of the first of each month. Rate will be fixed for the first 6 months. Information about this index is regularly published in the Money Rates table of the Wall Street Journal. When a range of rates is published, the highest rate will be selected. To determine the A.P.R that will apply to your line of credit, we add a margin to the value of the index. If this index or the source ceases to exist, the Credit Union will use a similar or substitute index. 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. A member's creditworthiness will determine the maximum amount financed, and the category of rate for which the member qualifies. A member's creditworthiness will be based, for example, on factors such as debt to income ratios, credit history, employment, etc.
CLTV=Combined Loan To Value.
Fixed Home Equity Loans are 2nd Deed of Trust. A member's creditworthiness will determine the maximum amount financed and the maximum term. A member's creditworthiness will be based, for example, on factors such as debt ratios, credit history, employment, etc. Estimated Principal and Interest payments are based on $50,000 loan amount and $160 in estimated loan fees. No down payment required. No rate is guaranteed. Rates, terms, and other conditions are subject to change without notice. Certain Restrictions may apply. The above rates are for informational purposes only. Closing costs and fees may be applicable. Property Insurance is required and flood insurance will be required if property is located in a flood zone.
†HELOC Cash Back Bonus ("Offer") provides 2% cash back on qualifying HELOC draws made between April 1 and June 30, 2026 ("Promotional Period"). Offer available on new and existing HELOCs for owner-occupied and non-owner-occupied properties. Existing HELOCs must be in the draw period, and qualifying draws must occur during the Promotional Period. New HELOC application must be submitted during the Promotional Period and complete qualifying draws within 90 days of funding. Qualifying draw amounts are $5,000–$250,000. Maximum cash back bonus is $5,000, rounded to the nearest $1. Qualifying draw amounts may not be repaid within six (6) months following the applicable 90-day draw window. If repaid earlier, the bonus amount will be applied to the HELOC balance. Bonus will be deposited to an active Yolo Federal Checking Account by the 15th of the month following the qualifying draw, beginning May 2026. HELOCs in the repayment period are not eligible. Other restrictions may apply.
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