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Energy Saver Loan

Save on Solar

Discover the savings when going green.


Go Green

What Is It?

Energy Saver Loan from Yolo Federal

Whether you want to add solar to your home or make other energy-efficient upgrades, the Energy Saver Loan is just what you need to go green! With our low rates, you can take advantage of the perks that being energy efficient offers—without breaking the bank. Go green and apply for the Energy Saver Loan today!

Why Yolo Federal

Make a change that matters

  • Reduce your environmental impact
  • Let your home reflect your values
  • Could save you money on your monthly energy costs

Rates & Fees

Consumer Loans

Loan Type Term Max amount Rate Annual Percentage Rate* Payment per
$1,000†
Signature Up to 93 Mo. $20,000 8.24% – 16.24% 8.24% – 16.24% $14.58 - $18.97
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 120 Mo. $35,000 as low as 6.50% as low as 6.50% $11.35

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

*Based on loan balance of $10,000 or minimum amount required for term.

†Payment per $1,000 is based on the minimum APR reflected at the maximum term available in range.

Healthcare First Responder Discount: Yolo Federal Credit Union offers a .25% rate discount on qualifying fixed-rate loan products for healthcare and first responder professionals. Qualifying loan products include: Vehicle, Recreational Vehicle, Motorcycle, Boat, Real Estate, Home Equity, Signature, and Energy Saver Loans. To receive the discount, the individual must be employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system at the time of application and provide proof of employment. Retired healthcare and first responder professionals also qualify for loan discount.

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.

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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