Vehicle Loan Products
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Car Loans
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You take the time to find just the right car with the right options and the right price. So why settle with just any financing? Yolo FCU offers some of the best rates around with fast, friendly service from people you know and trust. We’ll help you find the payment you can afford and discuss your options before you shop.
Recreational Vehicle Loans
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If you are looking to increase your outdoor fun with an RV, look no further than your local credit union. Yolo FCU offers financing on both new and used recreation vehicles and with smart rates and terms, you can rest assured you’re getting a great deal.
Boat Loans
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Are you in the market for a boat or personal watercraft? Make Yolo FCU your first stop for financing. We offer competitive rates and terms on both new and used boats and provide fast loan approval so you’ll be out on the water in no time.
Motorcycle Loans
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If you’re looking for an alternative mode of transportation or some weekend fun, consider Yolo FCU first for your motorcycle loan needs. We’re a lender that understands your need for wide open spaces, better mileage, lower gas bills and payments you can live with. Yolo FCU offers competitive rates and terms and the exceptional level of service you’ve come to expect from your credit union. Call (530) 668-2700 or visit any local branch office to discuss options available.
Brochures
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Loans
To access our online application through Online Banking, click the "Apply Now" button above, apply at any branch location or call (530) 668-2700.
To view current rates click on the "Rates" button above.
*View Third Party Disclosure before using the above buttons.
Mortgage Loan Products
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Home Loans
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Look to Yolo FCU first for all your real estate lending needs. We are committed to providing you with an exceptional level of service from knowledgeable staff who will take the time to work with you and find the best product to fit your individual needs.
We will make the purchase or refinance of your home simple and convenient. Relax, let us handle all the details.
First Mortgage Loans
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Yolo FCU offers a variety of first mortgage loans tailored to your needs. If you are purchasing or refinancing a home, Yolo FCU provides financing with both short and long term loans available.
Second Mortgage Loans
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Yolo FCU offers second mortgages with competitive rates and flexible terms. Refinance, home improvement, consolidation and cash out options are available.
Mobile Home Loans
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Yolo FCU offers competitive rates and flexible terms on both new and used mobile homes. (First liens only) For details or to apply , visit any branch location or call (530) 668-2700.
Home Equity Line of Credit (HELOC)
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A HELOC can be used for almost any purpose including home improvements, tuition, tax payments, vacation or even to purchase a new car. One of the many benefits of a HELOC includes an open line of credit with the flexibility of a credit card to provide you instant access when you need it.
To apply for a HELOC visit any branch location or call (530) 668-2700.
“Go Green” Loan Program
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Like you, we care about the environment and want to do what we can to reduce waste and improve energy conservation. While adding energy-saving appliances, installing solar or purchasing a hybrid or electric vehicle is good for the environment, we thought it should be good for your wallet too. Yolo FCU offers a special discount on qualifying green purchases.
For details on this program call (530) 668-2700 or visit your nearest branch location.
Yolo FCU is proud to be named a sustainable business by SacramentoSustainableBusiness.org.
Brochures & Disclosures
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Home Loans
Home Equity Disclosure
HELOC Advance Truth in Lending Disclosure
Avoid Foreclosure
Call (530) 668-2700 or email today to speak with a lending specialist, or to apply, click here* to be directed to our online mortgage application page.
*Third Party Link Disclosure:
By clicking on the links above, you are aware that you are leaving Yolo FCU’s website. Yolo FCU does not guarantee the accuracy, security or failure of products/services of third party sites. We encourage you to review the privacy and security disclosures on all websites you visit.
Consumer Loans
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Enjoy the convenience of a line of credit, VISA Credit Card, Savings or Share Certificate (CD) secured loan with easy access and cash when you need it. Yolo FCU offers competitive rates and terms and quick loan approval. To apply, log on to Online banking, call (530) 668-2700 or visit any branch location.
Call-4-Cash
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This convenient line of credit is an easy way to access cash when you need it through automatic overdraft to your checking account, transfers via phone or PC Banking or requesting a check. Once established, you can use the line of credit available, pay down the balance and use again without reapplying. The Call 4 Cash offers a competitive variable rate and affordable payments.
VISA® Credit Card
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Yolo FCU offers two distinct VISA® credit cards. Choose from our Classic VISA® or VISA® Gold cards. Each card is accepted worldwide and is convenient to have on hand for travel, entertainment and unexpected emergencies. Compare products and find the perfect card for you.
Classic VISA®
Limits available starting at $100
Low Fixed Rate
No Annual Fee
Zero Cash Advance Fees
Generous credit line
Auto Collision Waiver
Zero Liability for fraudulent purchases
$150,000 Travel Accident Insurance
Emergency Card Replacement
Gold VISA®
Limits available starting at $5000
Competitive Variable Rate
No Annual Fee
Zero Cash Advance Fees
Generous credit line
Auto Collision Waiver
Zero Liability for fraudulent purchases
$300,000 Travel Accident Insurance
Emergency Card Replacement
Savings or Share Certificate (CD) Secured Loans
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A Savings or CD secured loan is an excellent way to borrow money while still earning dividends on your account balance. For first time borrowers, this loan will help establish your good credit rating when payments are made on time over the term of the loan. Flexible terms, low payments and competitive rates make this a smart loan option.
Brochures
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Loans
To apply, access our online application through Online Banking, apply at any branch location or call (530) 668-2700.
WISH Program
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Home ownership makes a difference in the lives of our members and the community. If you are a first time homebuyer, ask about our WISH program. With the assistance of the City of West Sacramento, City of Woodland, City of Davis, and Mercy Housing, we have made the dream of home ownership a reality for members.
- Click here for eligibility requirements and additional details.
HARP Program
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The Home Affordable Refinance Program (HARP) is designed to assist homeowners in refinancing their mortgages – even if they owe more than the home’s current value.
The primary expectation for Home Affordable Refinance is that refinancing will put responsible borrowers in a better position by reducing their monthly principal and interest payments, reducing their interest rate, reducing the amortization period, or moving them from a more risky loan structure (such as an interest-only mortgage or a short-term ARM) to a more stable product (such as a fixed-rate mortgage).
Only mortgages owned or guaranteed by either Fannie Mae or Freddie Mac are eligible for refinance under the enhanced and expanded provisions of HARP. You can confirm that your mortgage is owned by either Fannie Mae or Freddie Mac by checking the following Web sites:
Home Buyer Workshops
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Our Home Buyer workshops will help you understand the key factors in purchasing a new home. This workshop will answer general questions and prepare you for the process of application through purchase.
*Third Party Link Disclosure:
By clicking on the links above, you are aware that you are leaving Yolo FCU’s website. Yolo FCU does not guarantee the accuracy, security or failure of products/services of third party sites. We encourage you to review the privacy and security disclosures on all websites you visit.
Loan Resources
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Guaranteed Auto Protection-GAP
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GAP is designed to cover what your insurance company doesn’t. If your vehicle is totaled or stolen, your insurance company will pay what they determine the value of your vehicle to be at the time. In many cases this amount is not enough to pay off your vehicle loan. GAP protection covers the difference between what you owe on your loan and what your insurance company pays. GAP not only covers automobiles, it covers motorcycles, boats and RV’s too. This product is affordable and in most cases can be added to your loan.
Contact a Member Service Representative for a free GAP analysis.
Mechanical Breakdown Insurance-MBI
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MBI offers low cost piece of mind by covering mechanical breakdowns your vehicle may experience. MBI can be purchased and used in conjunction with your manufacturer’s warranty. If your vehicle is no longer covered by the manufacturer, MBI is affordable protection. MBI offers a variety of coverage options as well as flexible deductible amounts.
Contact a Member Service Representative for a free MBI quote.
Debt Protection
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Debt Protection is optional coverage you can add to your loan to provide peace of mind to you and your loved ones. Life Protection pays off your loan up to $50,000, Disability Protection makes your monthly loan payments until you are able to return to work, Involuntary Unemployment Protection covers your monthly loan payments due to loss of job and FMLA Protection will make your monthly loan payments while you are off work for a protected event*. You can purchase protection for you and your spouse and premiums are affordable and are conveniently added to your monthly loan balance. Purchasing this protection provides loan payment protection and peace of mind during a period of lost income.
Contact a Member Service Representative for qualifications and full details.
Vehicle and Homeowners Insurance
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Do you have a vehicle loan or home loan with Yolo FCU? Providing us proof of insurance is easy.
Just log onto www.myloaninsurance.com* and complete the short submission form. We will follow up with your insurance company to confirm coverage.
Are you shopping for insurance? If so, Yolo FCU has a resource for you. Apollo Insurance offers insurance brokerage services for most of your insurance needs with no broker fees. Sit back and let Apollo find you the best coverage at the best price. Click here* for your free quote.
The above service is offered as a referral only and Yolo FCU accepts no responsibility or liability for the service.
Credit Union Direct Lending-CUDL
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Research, shop, buy, CUDL makes car buying easy. Find a vehicle, research vehicle values using Kelly Blue Book or locate a dealer before you buy. Apply for your loan right at the dealership, no need to come into a branch. Click here* to start shopping for your new vehicle.
Autoland Car Buying Service
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Our expert consultants have helped over 200,000 customers drive home in the car of their dreams. With Autoland, there's no haggling. No hard-sell pressure. We'll even help you trade in your old car. Best of all, your personal Autoland consultant will provide you with unbiased advice - every step of the way.
Click here* to choose the car you want to buy.
Verified by VISA®
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Add an extra layer of security when you shop online by activating Verified by VISA® before you shop, it’s free. Click here* to activate now.
Free Annual Credit Report
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Monitor your credit profile by accessing your free annual credit report. Click here* to order today.
*Third Party Link Disclosure:
By clicking on the links above, you are aware that you are leaving Yolo FCU’s website. Yolo FCU does not guarantee the accuracy, security or failure of products/services of third party sites. We encourage you to review the privacy and security disclosures on all websites you visit.
For more information, visit any branch location or call (530) 668-2700.
