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What Is It?
Signature Loans from Yolo Federal
It’s time to end your bad debt relationship. Our Signature Loan lets you tidy up—or consolidate—into one monthly payment, which could save you money. With a simple and straightforward application, you can trust that you’ll know exactly what you’re getting. No drama, no hidden surprises—just clear, simple solutions to help you move forward.
From now through March, 31, 2025, you may qualify for a 0.50% rate discount* when you transfer at least $500 in debt from another financial institution. Apply now.
Why Yolo Federal
Break up with your debt
- Low monthly payments
- Competitive rates
- Achieve Learning: Climbing Out of Debt
Rates & Fees
| Term | Max Amount | Rate as low as | APR* | Minimum Payment† |
|---|---|---|---|---|
| Up to 93 Mo. | $20,000 | 8.24% | 8.24% | $65 |
Effective Date: February 1, 2025. The APR is accurate as of the effective date. Rates subject to change at any time.
*APR=Annual Percentage Rate.
†Minimum Payment for $1,000 can be as low as $65 for a term of 16 months and is based on the minimum APR reflected.
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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How do I qualify for the promotional rate discount?
The 0.50% rate discount* is available to members who apply and are approved for a Signature Loan, transferring at least $500 from another financial institution during the promotional period.
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What types of balances qualify for the rate discount?
Any balance transferred from another financial institution qualifies. Internal Yolo Federal balance transfers do not qualify.*
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Why should I use a Signature Loan to pay off debt?
A Signature Loan is a closed-end loan. Closed-end means, once you’ve paid it off, you’re done!
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Can I only use a Signature Loan to pay off debt?
No. A Signature Loan can be used for other expenses such as paying for an emergency or when you need cash fast.
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Disclosures
*The Yolo Federal Credit Union Debt Consolidation Rate Discount (“Offer”) of 0.50% is valid February 10 to March 31, 2025 (“Promotional Period”). To qualify for the Offer, members must (1) apply and be approved for a Signature Loan, (2) transfer at least $500 from another financial institution during the Promotional Period. Internal balance transfers are excluded. Can not be combined with another offer. Membership is open to those who live, work, worship, or attend school in Yolo, Sacramento, El Dorado, or Placer County, or have an immediate family member who is a current member. Subject to approval. Restrictions may apply.