Money Market Savings also available to our Business Members.

IRA, ROTH, Coverdell ESA & SEP
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SEP account also available to our Business Members.

Health Savings
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Health Savings also available to our Business Members.

Effective Date: May 1, 2013. *APY= Annual Percentage Yield. The APY is accurate as of the effective date. Last Dividend Declaration Date: April 30, 2013. Dividends paid from current income and available earnings after required transfer to reserves at the end of the dividend period. Rates are subject to change without notice as determined by the Credit Union’s Board of Directors. Fees could reduce earnings on accounts. Some restrictions may apply.

For more details please contact the Yolo FCU Call Center at (530) 668-2700 or toll free (877) YOLO-FCU.

Money Market Checking
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Simply, Student & e-Checking
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Effective Date: May 1, 2013. *APY= Annual Percentage Yield. 
The APY is accurate as of the effective date. Last Dividend Declaration Date: April 30, 2013. Dividends paid from current income and available earnings after required transfer to reserves at the end of the dividend period. Rates are subject to change without notice as determined by the Credit Union’s Board of Directors. Fees could reduce earnings on accounts. Some restrictions may apply.
For more details please contact the Yolo FCU Call Center at (530) 668-2700 or toll free (877) YOLO-FCU.

CD Savings
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CD Savings also available to our Business Members.

IRA & ROTH CD Savings
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Step-Up! CD Savings
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Effective Date: May 1, 2013.   *APY= Annual Percentage Yield. The APY is accurate as of the effective date. Rates are subject to change without notice as determined by the Credit Union’s Board of Directors. Dividends earned will be compounded only if they remain on deposit in the certificate. Penalty imposed for early withdrawal. Some restrictions may apply.
Step-Up Certificate accounts will have a fixed rate for the term of the certificate. A one time option to have the rate increased to the rate then being offered may be exercised at any time during the term of the certificate. The new rate will be effective the next business day after a written request is received and will remain in effect until the certificates original maturity date. The rate increase must be in writing by an authorized signer on the certificate account. Notification can be made by fax or mail. Yolo Federal Credit Union will not automatically increase a rate without an authorized signature.


For more details please contact the Yolo FCU Call Center at (530) 668-2700 or toll free (877) YOLO-FCU.

Consumer Loan Rates
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Vehicle loans also available to our Business Members.

Effective Date: May 1, 2013.    The APR is accurate as of the effective date.

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.
¹A.P.R. =  Annual Percentage Rate.
²Variable Rate Disclosure:  Call-4-Cash advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal in effect on the 1st day of each month of each year ("index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of each month of each year. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and may affect the number of Your scheduled payments. Your Interest Rate will never be greater than 18.00% nor less than 8.00% and will apply to Your remaining principle balance.
³Based on loan balance of $10,000 or minimum amount required for term.
⁴Payment per $1,000  is based on the minimum APR reflected at the maximum term available in range.
First Time Buyer Program:  Yolo Federal Credit Union offers a first time buyer program. Maximum term is 60 months, maximum amount financed is $15,000. A.P.R. is 18.00% up to 60 months. Please consult a credit union financial services officer for additional details.
Green Loans:  Yolo Federal Credit Union offers a .30% rate discount.  To qualify, the purchase must meet the IRS guidelines for energy efficiency tax credits.

For more details please contact our Yolo FCU Call Center at (530) 668-2700 or toll free (877) YOLO-FCU.

Mortgage Loans
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With a wide variety of mortgage loans available Yolo FCU can tailor a real estate loan to fit every need. We offer competitive fixed and variable rates.  For more information regarding Real Estate loans, please call 530-669-6306 or click on the links below.

Click here to view Mortgage Loan Products.
Click here to access Online Mortgage information, applications, rates & calculators.

Home Equity Lines of Credit
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Mobile Home Loans
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Yolo FCU offers loans on both new and used mobile homes (first liens only).
For full details please contact us.

Effective Date: May 1, 2013.    The APR is accurate as of the effective date.
Improved property must be within 100 miles of Yolo County .  Single Family-Owner Occupied Residence in an incorporated area and not listed for sale only.

All 3^rd party fees are waived. If line-of-credit is paid off and closed within 24 months, all 3^rd party fees must be repaid to Yolo FCU.

¹The Annual Percentage Rate (A.P.R.) on all variable rate advances 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. The A.P.R. will not exceed the rate permitted under the Federal Credit Union Act nor will it be lower than a floor of 4.00%. 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 dept to income ratios, credit history, employment, etc.  

Property Insurance is required and flood insurance will be required if property is located in a flood zone.  

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.

For more details please contact our Yolo FCU Call Center at (530) 668-2700 or toll free (877) YOLO-FCU.

Starter/Student/Secured - Visa® Classic
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Visa® Gold
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Effective Date: May 1, 2013.    The APR is accurate as of the effective date.

Some restrictions may apply. These disclosures are accurate as of the date of printing.  The terms shown are subject to change after that date.  Contact the Credit Union for any changes in the information disclosed after that date at : Yolo Federal Credit Union, P.O. Box 657, Woodland, CA. 95776-0657, or call 530-668-2700.

Rates shown above may not apply to every borrower and is based on creditworthiness. Credit Line Account Agreement & Disclosure

Simply Free Business Checking
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Regular Business Checking
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Business Visa®
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Business Members - Check our Savings and CD/Investment rates to view more products that may offer solutions to your business needs.

Effective Date: May 1, 2013. APY= Annual Percentage Yield.  *The APY is accurate as of the effective date. Last Dividend Declaration Date: April 30, 2013.  
Dividends paid from current income and available earnings after required transfer to reserves at the end of the dividend period.   Rates are subject to change without notice as determined by the Credit Union’s Board of Directors.  Fees could reduce earnings on accounts.   Some restrictions may apply.  

Rates shown above may not apply to every borrower and is based on creditworthiness. Credit Line Account Agreement & Disclosure

*The APR is accurate as of the effective date. Your Annual Percentage Rate may vary.  Variable Rate Disclosure:  All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal in effect on the 1st day of each month of each year ("index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of each month of each year. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and may affect the number of Your scheduled payments. Your Interest Rate will never be greater than 18.00% nor less than 6.99% and will apply to Your remaining principle balance. You may be charged fees associated with your application for and use of  your card.