Vehicle Loans
Other Loans
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.
No gimmicks, just good deals.
Special Offers
Green Vehicle Discount⁴
Healthcare & First Responder Offer
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. Subject to change at any time.
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The Home Loan Lender Credit Offer ("Lender Credit") is valid 7/8/25-12/31/25 ("Promotional Period") for First Mortgages only. New First Mortgages qualify for a lender credit up to $2,000. Existing Yolo Federal First Mortgages and Mobile Home Loans are excluded. To qualify, a mortgage loan application must be submitted within the Promotional Period and the loan must be funded prior to the application expiration date. The Lender Credit will be applied at closing. The Lender Credit cannot be combined with any other offer. If the mortgage loan is paid off and closed within 24 months, the Lender Credit must be repaid to Yolo FCU. Property insurance is required, and flood insurance may be required based on property location. Some restrictions may apply. Subject to change at any time.
Based on a $400,000 loan amount at 7.06% fixed APR, monthly payments would be approximately $2,662 over a 30-year term.
Estimated closing costs before lender credit is $6,524. Individual savings may vary.
The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
†Yolo Federal Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Yolo FCU account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 04/18/2028. Offer subject to change or renewal. Card images shown are illustrative and may vary from the card you receive.
*Yolo Federal’s New Visa Platinum CashBack Plus ("New Platinum") Offer("Offer") runs 10/1/25-12/31/25 ("Promotional Period"). New Platinum accounts opened during the Promotional Period can earn up to 35,000 bonus points: 25,000 points credited within 10 days after account opening, and 10,000 points for 10 transactions within 60 days credited within 45 days after. Cardholders who do not meet the minimum transaction requirement will not receive bonus points. Standard rewards apply: 3 points per $1 spent on gas and grocery MCCs and 2 points per $1 on all other MCCs. All purchases qualify. Declined or reversed charges do not qualify. Limitations or restrictions may apply. Points redeemable for cash back or other reward options at any time on balances greater than $25 at yolofcu.org/myrewards. Contact a credit union representative for additional details.
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Sacramento, Placer, or El Dorado counties is eligible for membership.
