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Finance

Free - On the App Store

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Call-4-Cash

Lightning-quick transfers

Unbeatable service. Cover overdrafts, emergencies, travel expenses and more with this flexible loan.


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What Is It?

Call-4-Cash from Yolo Federal

A Call-for-Cash line of credit gives you options on how you use your loan. Rather than worry about some hefty sum, borrow only what you need from the total amount. Get approved, and then simply call or make an online request for a speedy cash transfer. You could build credit by paying off the balance and re-using the line without having to reapply.

Why Yolo Federal

Why Yolo is your best lending partner

  • Save money with a competitive rate
  • Make the month less stressful with affordable payments
  • Never worry about prepayment penalties

Rates & Fees

Call-4-Cash

Maximum
Amount 		Interest Type Annual Percentage Rate Current
Index 		Approximate
Term 		Index Factor
$20,000 Variable Rate* 16.00% 8.00% Revolving 8.00%

Effective Date: November 1, 2024. The APR is accurate as of the effective date. Rates subject to change at any time.

*Variable 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 principal balance.

Rates, Financing Amount and Terms: Some restrictions apply. A member's creditworthiness will be based, for example, on factors such as debt to income ratios, credit history, employment, etc.

FAQs

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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. 

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We closely monitor for potential fraud and proactively work to protect members. Click "Learn More" for information about Fraud Text Alerts. If you suspect fraud or have questions, please call, schedule an appointment, or click on Let's chat! to speak with a Yolo FCU representative.

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