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Member Benefits

Enjoy the perks of membership

There's a reason we're voted #1. Start enjoying the local difference.


Not a Member?

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To be eligible to open an account you must live, work, worship, or attend school in Yolo, Sacramento, Placer, or El Dorado County. Or, have an immediate family member that is a Yolo Federal account holder.

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As a member, not only will you have access to amazing services, but your membership also comes with some great perks. Check them out!

  • Rate Discounts

    Home Equity Line of Credit (HELOC) Rate Discount

    Unlock your home’s equity with a 1.70% rate discount. Now through December 31, 2024 you could receive a rate discount when you apply for a HELOC with Yolo Federal.

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    Yolo Federal Credit Union offers a 1.70% introductory rate discount (“Discount”) for new Home Equity Line of Credit (HELOC) from 7/1/24-9/30/24 (“Promotional Period”). The approved rate includes the Discount and is fixed for 6 months, after which the rate will adjust to the current variable rate. If rates change during the introductory period, the Discount for funded loans may not equal 1.70%. Applications must be submitted during the Promotional Period, and the HELOC must fund within 60 days after it ends. APR=Annual Percentage Rate. Variable rate loan. Rate fixed for 1st 6 months. Rate variable for remainder of term. Current APR as of July 1, 2024, ranges from 6.30-7.80%. Maximum rate 6% above starting rate, not to exceed 18%. Property and Flood (if applicable) insurance  required. Home must be in Yolo, Sacramento, Placer, El Dorado County, or within 50 miles from corporate office. Rates and terms are subject to change without notice. Rate determined by member creditworthiness. Some restrictions may apply. HELOC fees range from $1,000-$1,500. All third-party fees are waived. If the HELOC is closed prior to 24 months, fees must be repaid to Yolo FCU. The $50 annual fee is waived for the first year. The Discount offer is subject to termination at any time. To establish membership, deposit $1 in an S1 Savings account. Membership is available to anyone who lives, works, worships, or attends school in Yolo, Sacramento, El Dorado, or Placer County, or has an immediate family member who is a current member. Some restrictions may apply.

    Healthcare & First Responder

    As a thank you to our local healthcare and first responders, we offer a 0.25% discount on our Consumer Loan products. Visit our page to learn more.

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    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.

    Green Vehicle Discount

    Make the most of every mile. Get a 0.30% discount on top of our already low-rate Vehicle Loans when you buy or refinance a hybrid or electric vehicle. Visit our webpage to learn more.

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    To qualify, the vehicle must meet the IRS guidelines for energy efficiency tax credits.

  • Jr. Saver Kickstart Bonus

    You want your kids to grow up healthy and strong, and it would be pretty nice if they knew how to manage their money too. Why not start them young with a kid-sized savings account? Plus, we’ll match the first $5 to help kickstart their account now through December 31, 2024.

    Click here to learn more.

    Rate Yolo Federal is offering a Kickstart Bonus Match (“Bonus”) in the amount of $5 for any new Youth Savings account opened for ages 0-12 (“Youth”) between 1/1/24 and 12/31/24 (“Promotional Period”). To receive the Bonus, the parent or guardian on the account must be 18 years or older, qualify for membership and open a Youth Savings account with a minimum of $5 during the Promotional Period. The Bonus will bedeposited into the S1 Savings account at account opening. To avoid the monthly service fee, if over the age of 22, they must: maintain a minimum of $100 in their S1 Savings account, have Direct Deposit, or aggregate deposits and loans of $5,000 or more; otherwise a $5 fee applies. Minimum Savings balance to earn dividends is $0 and Annual Percentage Yield (APY) is 0.03% APY effective January 1, 2024. Rates subject ot change at any time. Employees and volunteers of Yolo FCU are ineligible for the bonus. The value of the bonus may be considered a taxable dividend and it will be reported on IRS form 1099-INT. Some restrictions may apply.

  • Insurance

    Insurance is an important part of a solid financial plan. The key is finding coverage that fits your needs and budget from someone you can trust. The right insurance can help give you peace of mind.

    Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most. Trust us for all your insurance needs, including life, health, car and home, accidental death and dismemberment coverage and more.

    Get a quote or explore your options at TruStage.com.

    TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Products and features may vary by state.

    © TruStage Insurance Agency

    GEN-2944047.2

     

  • Skip-A-Pay

    We’re here for you during the good and the bad times. Our Skip-A-Pay program allows you to skip your Yolo Federal Loan payment up to 2 times per calendar year. Just choose a loan payment you’d like to skip and breathe easy knowing we have your back.

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    Conditions & Restrictions apply. Contact a representative or visit yolofcu.org/skip-a-pay for more details.

  • Discount Services

    One thing we love offering our members is discounted tickets. After all, since California has so much to do and see, why not enjoy it at a better price? Take advantage of our special discounts to Disneyland, Legoland, San Diego Zoo, and much more.

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  • Membership Rewards Program

    Loyalty is important to us—we want to build life-long relationships with our members. That’s why at Yolo Federal, we give you rewards as you save and invest your money.

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  • Services

    Here you’ll find, some of our favorite offerings.

  • LegalTrack — Wills and Trusts

    As a valued member, you receive access to affordable and legally valid estate planning templates for Wills and Trusts to complete at your convenience, from the comfort of your own home. You can create your customized estate planning documents, including wills, trusts, powers of attorney, and more.

    There’s never been an easier, more affordable way to protect your family, home, and assets.

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Have a question? Contact us.

Not a Member?

Join Today!

To be eligible to open an account you must live, work, worship, or attend school in Yolo, Sacramento, Placer, or El Dorado County. Or, have an immediate family member that is a Yolo Federal account holder.

Join Now

Leaving Our Site

You are leaving the Yolo Federal Credit Union website. Yolo Federal Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. These external websites are not controlled by Yolo Federal Credit Union and Yolo Federal Credit Union makes no representation or warranty, express or implied, to the user concerning the information, content, presentation, accuracy or opinion of these sites or the quality, safety, or suitability of any software found on these sites. The privacy policies of Yolo Federal Credit Union do not apply to external sites and users should consult the privacy policies on these sites for further information. Thank you for visiting the Yolo Federal Credit Union website.

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. 

Leaving Our Site

You are contacting a Yolo Federal Credit Union Representative. By clicking “Continue,” you understand that any transmission to or from this site is not confidential. You agree that Yolo Federal Credit Union will not be responsible to anyone for any damages arising out of or in connection with any e-mail or other electronic transmission sent to Yolo Federal Credit Union. All information you submit to Yolo Federal Credit Union via the site will be considered to be the property of Yolo Federal Credit Union, and Yolo Federal Credit Union is free to utilize any information you submit for any purpose, subject to Yolo Federal Credit Union’s Privacy Policy.

Stay Protected Against Fraud

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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