Rates 

All savings rates listed below are also available to our Business Members.
Savings & Holiday Club Accounts

Minimum Daily Balance Dividend Rate APY*
$0 0.03% 0.03%
$100 0.03% 0.03%
$10,000 0.03% 0.03%
$50,000 0.03% 0.03%
$100,000 0.03% 0.03%

Money Market Savings
Regular Account

Minimum Daily Balance Dividend Rate APY*
$0 0.00% 0.00%
$2,500 0.03% 0.03%
$10,000 0.10% 0.10%
$50,000 0.10% 0.10%
$100,000 0.10% 0.10%

Money Market Savings
Premium Account

Minimum Daily Balance Dividend Rate APY*
$100,000 0.10% 0.10%
$125,000 0.10% 0.10%
$150,000 0.15% 0.15%
$200,000 0.20% 0.20%

IRA, ROTH, Coverdell ESA & SEP

Minimum Daily Balance Dividend Rate APY*
$0 0.03% 0.03%
$100 0.03% 0.03%
$10,000 0.03% 0.03%
$50,000 0.03% 0.03%
$100,000 0.03% 0.03%

Health Savings

Minimum Daily Balance Dividend Rate APY*
$0 0.01% 0.01%
$1,000 0.01% 0.01%
$5,000 0.01% 0.01%

Effective Date:  August 1, 2017. *APY= Annual Percentage Yield. The APY is accurate as of the effective date. Last Dividend Declaration Date: July 31, 2017. 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

Minimum Daily Balance Dividend Rate APY*
$0 0.00% 0.00%
$2,500 0.03% 0.03%
$10,000 0.10% 0.10%
$50,000 0.10% 0.10%
$100,000 0.10% 0.10%

Simply, Student & e-Checking

Minimum Daily Balance Dividend Rate APY*
$5,000 0.01% 0.01%
$25,000+ 0.01% 0.01%

Effective Date:  August 1, 2017. *APY= Annual Percentage Yield. The APY is accurate as of the effective date. Last Dividend Declaration Date: July 31, 2017. 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 - * indicates APY
CD Savings also available to our Business Members.

Minimum Deposit
Term in months
$500
APY*
$10,000
APY*
$50,000
APY*
$100,000
APY*
3-5 0.10% 0.10% 0.10% 0.10%
6-11 0.15% 0.15% 0.15% 0.15%
12-23 0.30% 0.30% 0.30% 0.30%
24-35 0.35% 0.35% 0.35% 0.35%
36-47 0.50% 0.50% 0.50% 0.50%
48-59 0.75% 0.75% 0.75% 0.75%
60 1.10% 1.10% 1.10% 1.10%

IRA & ROTH CD Savings

Minimum Deposit
Term in months
$500
APY*
$10,000
APY*
$50,000
APY*
$100,000
APY*
12-23 0.30% 0.30% 0.30% 0.30%
24-35 0.35% 0.35% 0.35% 0.35%
36-47 0.50% 0.50% 0.50% 0.50%
48-59 0.75% 0.75% 0.75% 0.75%
60 1.10% 1.10% 1.10% 1.10%

Step-Up! CD Savings

Minimum Deposit
Term in months
$500
APY*
$10,000
APY*
$50,000
APY*
$100,000
APY*
36-47 0.35% 0.35% 0.35% 0.35%

Effective Date:  August 1, 2017. *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.


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



All loan rates listed below are also available to our Business Members.

Consumer Loans - Call-4-Cash (Line of Credit)

Maximum amount Interest Type APY * Current Index Approximate Term Index Factor
$20,000 Variable Rate² 12.25% 4.25% Revolving 8.00%

Consumer Loans

Loan Type Term in months Maximum amount Rate APR¹·³ Payment per $1,000⁴
Signature Up to 93 Mo. $20,000 17.90% 17.90% $19.95
Share Secured Up to 60 Mo. 95% of available deposit 5.00% 5.00% $18.87
Share Secured 60-120 Mo. 95% of available deposit 6.00% 6.00% $11.10
CD Secured Maturity of CD 80% of available deposit 3% above CD rate 3% above CD rate Varies
Energy Saver Up to 124 Mo. $35,000 6.99% 6.99% $11.61

Consumer Loans - New and Used Auto
Loan Type Term in months Minimum amount Rate as low as APR¹·³ Payment per $1,000⁴
New Auto Up to 24 Mo. N/A 0.99% 0.99% $42.10
  Up to 36 Mo. N/A 1.39% 1.39% $28.38
  37-48 Mo. N/A 1.79% 1.79% $21.60
  49-60 Mo. N/A 2.19% 2.19% $17.61
  61-72 Mo. $15,000 2.59% 2.59% $15.01
  73-84 Mo. $20,000 2.99% 2.99% $13.21
  85-120 Mo.5 $30,000 2.99% 2.99% $9.66
Loan Type Term in months Minimum amount Rate as low as APR¹·³ Payment per $1,000⁴
Used Auto Up to 24 Mo. N/A 1.49% 1.49% $42.32
  Up to 36 Mo. N/A 1.89% 1.89% $28.59
  37-48 Mo. N/A 2.29% 2.29% $21.82
  49-60 Mo. N/A 2.69% 2.69% $17.83
  61-72 Mo. $15,000 3.09% 3.09% $15.23
  73-84 Mo. $20,000 3.49% 3.49% $13.44
  85-120 Mo.5 $30,000 3.49% 3.49% $9.89

Consumer Loans - New and Used Fixed Rate RV / Travel Trailer

Loan Type Term in months Minimum amount Rate as low as APR¹·³ Payment per $1,000⁴
RV/Travel Trailer Up to 60 Mo. N/A 6.24% 6.24% $19.44
  61-72 Mo. $10,000 6.24% 6.24% $16.69
  73-84 Mo. $20,000 6.24% 6.24% $14.72
  85-96 Mo. $30,000 6.24% 6.24% $13.26
  97-120 Mo. $50,000 6.24% 6.24% $11.22
  121-144 Mo. $70,000 6.24% 6.24% $9.88
  145-180 Mo. $100,000 6.24% 6.24% $8.57

Consumer Loans - New and Used Fixed Rate Motorcycle / Boat Loans

* 100% (NEW) / 90% (USED) of MSRP/HBB plus GAP

CD Secured
Loan Type Term in months Minimum amount Rate as low as APR¹·³ Payment per $1,000⁴
Motorcycle/Boat Up to 60 Mo. N/A 6.24% 6.24% $19.44
  61-72 Mo. $10,000 6.24% 6.24% $16.69
  73-84 Mo. $20,000 6.24% 6.24% $14.72
  85-96 Mo. $30,000 6.24% 6.24% $13.26
  97-120 Mo. $50,000 6.24% 6.24% $11.22
  121-144 Mo. $70,000 6.24% 6.24% $9.88
  145-180 Mo. $100,000 6.24% 6.24% $8.57


Effective Date:  August 1, 2017. 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.

5Mobility Loans: Extended terms from 85-120 months apply to vehicle loans with mobility options only. Up to 90% financing only. Other restrictions may apply. Please consult a credit union financial services specialist for additional details.

First Time Buyer Program: Yolo Federal Credit Union offers a first time buyer program. Please consult a credit union financial services specialist for additional details including current rates.

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


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 530-668-2702 or click on the link below.

Click here to access Online Home Loan information, applications, rates & calculators.


Home Equity Lines of Credit (HELOC)

Owner Occupied 1st or 2nd Trust Deed
Loan Index 4.25%
Margin (-0.50%)-(+1.00%)
APR1 4.00% - 5.25%
(Fixed for the first 6 months)
Maximum Amount
Financed
$500,000
Purchase/Refinance
Loan-to-Value
80%/80%
Maximum Maturity 25 years
Annual Fee $50.00
(waived for the first year)
Investment 1st or 2nd Trust Deed
Loan Index 4.25%
Margin (+2.00%)-(+3.00%)
APR1 6.25% - 7.25%
(Fixed for the first 6 months)
Maximum Amount
Financed
$500,000
Purchase/Refinance
Loan-to-Value
up to 70%
Maximum Maturity 25 years
Annual Fee $50.00
(waived for the first year)



Effective Date:  August 1, 2017. 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 3rd party fees are waived. If line-of-credit is paid off and closed within 24 months, all 3rd 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

Annual Percentage Rate
(APR) for purchases
11.90% to 17.90%
Based on your creditworthiness
Annual Percentage Rate
(APR) for balance transfers
11.90% to 17.90%
Based on your creditworthiness
Annual Percentage Rate
(APR) for Cash Advances
11.90% to 17.90%
Based on your creditworthiness
Penalty APR and when it applies none
Paying Interest We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard*

Fees

Annual Fee none
Transaction Fees  
Balance Transfers none
Cash Advance none
Foreign Transaction 3.00% of each foreign currency transactions in U.S dollars
3.00% of each U.S. Dollar transaction that occurs in a foreign country
Penalty Fees  
Late Payment Up to $15.00 after 4 days
Returned Payment Up to $30.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."



Visa® Gold

Annual Percentage Rate
(APR) for purchases
9.25%
This APR may vary with the market based on the average of the 6-month U.S. Treasury Bill Rate.
Annual Percentage Rate
(APR) for balance transfers
9.25%
This APR may vary with the market based on the average of the 6-month U.S. Treasury Bill Rate.
Annual Percentage Rate
(APR) for Cash Advances
9.25%
This APR may vary with the market based on the average of the 6-month U.S. Treasury Bill Rate.
Penalty APR and when it applies none
Paying Interest We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard*

Fees

Annual Fee none
Transaction Fees  
Balance Transfers none
Cash Advance none
Foreign Transaction 3.00% of each foreign currency transactions in U.S dollars
3.00% of each U.S. Dollar transaction that occurs in a foreign country
Penalty Fees  
Late Payment Up to $15.00 after 4 days
Returned Payment Up to $30.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."



Visa® Platinum

Annual Percentage Rate
(APR) for purchases
3.99
3.99%- Introductory rate for 6 months 10.99%-17.99% - This APR may vary with the market based on the Prime Rate.
Annual Percentage Rate
(APR) for balance transfers
3.99
3.99%- Introductory rate for 6 months 10.99%-17.99%- This APR may vary with the market based on the Prime Rate.
Annual Percentage Rate
(APR) for Cash Advances
10.99%-17.99
This APR may vary with the market based on the Prime Rate.
Penalty APR and when it applies 10.99%-17.99
This APR may be applied to your account if you make a late payment. How long will the penalty APR apply? If your APRs are increased for this reason, for transactions that you make prior to the effective date of the increase, the Penalty Rate will apply indefinitely.
Paying Interest We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection at
http://www.federalreserve.gov/learnmore*


Fees

Annual Fee none
Transaction Fees  
Balance Transfers none
Cash Advance none
Foreign Transaction 3.00% of each foreign currency transactions in U.S dollars
3.00% of each U.S. Dollar transaction that occurs in a foreign country
Penalty Fees  
Late Payment Up to $15.00 after 4 days
Returned Payment Up to $30.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."


Effective Date:  August 1, 2017. 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.

*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.



Simply Free Business Checking

Minimum Daily Balance Dividend Rate APY*
$0 0.01% 0.01%

Regular Business Checking

Minimum Daily Balance Dividend Rate APY*
$0 0.02% 0.02%
$2,500 0.02% 0.02%
$50,000 0.02% 0.02%
$100,000 0.02% 0.02%


Business Visa®

Annual Percentage Rate
(APR) for purchases
11.24%
This APR may vary with the market based on the Prime Rate.
Annual Percentage Rate
(APR) for balance transfers
11.24%
This APR may vary with the market based on the Prime Rate.
Annual Percentage Rate
(APR) for Cash Advances
11.24%
This APR may vary with the market based on the Prime Rate.
Penalty APR and when it applies none
Paying Interest We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard*

Fees

Annual Fee none
Transaction Fees  
Balance Transfers none
Cash Advance none
Foreign Transaction 3.00% of each foreign currency transactions in U.S dollars
3.00% of each U.S. Dollar transaction that occurs in a foreign country
Penalty Fees  
Late Payment Up to $15.00 after 4 days
Over the Credit Limit $10.00
Returned Payment $30.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."



Business Members - Check our Savings and CD/Investment rates to view more products that may offer solutions to your business needs.

Effective Date:  August 1, 2017. APY= Annual Percentage Yield. *The APY is accurate as of the effective date. Last Dividend Declaration Date: July 31, 2017.

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.

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.

*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.

**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.