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What Is It?
Savings or Share Certificate (CD) Secured Loans from Yolo Federal
This loan lets you use money in your Savings Account or Share Certificate (CD) as collateral to secure your loan. That means lower rates and monthly payments, plus a chance to build better credit.
Why Yolo Federal
Yolo gets you a better deal
- Low monthly payments
- Flexible terms for any life situation
- Competitive rates
Rates & Fees
| 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.