Loans
Grant Program
The WISH Program makes grant funds available to qualified home buyers.
Are you eligible? Click here to learn more.
Real Estate Loans
Real Estate Loans
Home Equity Line Of Credit
A Home Equity Line Of Credit (HELOC) can be used for almost any purpose including home improvements, tuition, tax payments, vacation, even purchasing a new car! And the benefit is that interest paid on a HELOC is usually tax-deductible (check with your tax advisor).
Yolo FCU offers a low variable rate HELOC. And you can borrow up to
90% of the appraised value of your home, less the balance owed on your first mortgage. Credit limits up to
$500,000 are available on first mortgages and second mortgages. As an added convenience,
you can receive checks with your HELOC which will help you access your account whenever you need it!
First Mortgage Loans
Yolo FCU offers a variety of first mortgages. If you're purchasing or
refinancing a home, Yolo FCU will finance up to
97% of the appraised value of the home, not to exceed $1,000,000. Long and short
terms are available.
Second Mortgage Loans
If you have a need for extra cash and are looking to borrow against your home,
Yolo FCU offers Second Mortgage Loans. With flexible terms, you can borrow up to
100% of appraised value, less the balance owed on your first mortgage. The
maximum loan amount for a Second Mortgage Loan is $500,000.
Mobile Home Loans
Yolo FCU offers loans on both new and used mobile homes, first liens only. This includes single, double, or triple wide based on appraised value. If you are purchasing a new mobile home, Yolo FCU will finance up to
80% of the purchase price. For used mobile homes, Yolo FCU will finance up to 80%.
Other Real Estate Loans Available
Yolo FCU offers other loans secured by your property. These loans can be used for a variety of purposes including home improvements, education, vacation, home office equipment or whatever else you need. Like the HELOC, these loans may offer tax advantages.
New and Used Vehicle Loans
If you're in the market for a car, truck, or van, you'll get some of the lowest rates in town at Yolo FCU!
Yolo FCU offers 100% financing of the purchase price (not to exceed manufacturer
suggested retail price - MSRP) of new vehicles, plus tax, license,
GAP and mechanical breakdown insurance. For used vehicles, Yolo FCU will finance up to 100% of high Blue Book, plus tax, license,
GAP (guaranteed auto protection) and mechanical breakdown insurance.
Recreational Vehicles
Yolo FCU offers financing for outdoor fun! Financing is available for 100% (not
to exceed MSRP) of the purchase price of any new RV, travel trailer, boat or
motorcycle plus tax and license. Used RV's, travel trailers, boats or
motorcycles can be financed up to
90% of retail bluebook value, plus tax and license.
CALL-4-CASH
Call-4-Cash is a convenient loan that gives you access to cash when you need it. This line of credit offers a maximum credit limit of $20,000.
Once you have Call-4-Cash, you'll be able to access your account by phone transfer to one of your Yolo FCU accounts, by requesting a check by phone,
PC Banking or in person at any Yolo FCU office. It may also be used for overdraft protection on your checking account.
VISA ®
Products
Yolo FCU offers two types of cards, Classic VISA® and VISA® Gold. These cards are accepted worldwide and are convenient to have on hand for travel, entertainment and unexpected emergencies.
Classic VISA®
Our low rate Classic VISA® has a maximum credit limit of $20,000.
VISA®
Gold
The gold card offers credit limits between $5,000 and $20,000.
- Both cards offer extra benefits.
Some of these include:
- Auto collision waiver
- Emergency card replacement
- Zero liability policy for fraudulent
transactions
- No cash advance fee
- And much more*
*For full details
on benefits, contact our Call Center at (530) 668-2700
For all products listed above, some restrictions may apply. For details
contact any Yolo FCU branch or contact our Call Center at (530) 668-2700.
Verified By Visa®
Introducing Verified by VISA®, a new way to add
safety when you buy online.
If you’ve ever worried about making purchases online with your VISA® card,
there’s a simple thing you can do to protect yourself. Take the VISA® card you
already use, add a password to it, and you have Verified by VISA®.
Verified by VISA® proves you are who you say you are when buying online from
participating merchants. How do merchants verify that? During the online
checkout process, you’re asked to verify your identity with the password you
attached to your card.
Verified by VISA® is powerful in action. Simply register once and your identity
is verified every time you buy online from participating merchants. The list of
merchants is growing each day. Such retailers as Target, Petsmart, Walmart, JC
Penny, and CDNow participate. And registering your card is easy. And Verified by
VISA® is linked to your card, not your computer, so you can shop from anywhere!
Call us for more information at (530)668-2700, or register your card today!
ACTIVATE
NOW >
Annual Credit Report
AnnualCreditReport.com is the official site to help consumers obtain their free
credit report. This site offers answers to frequently asked questions and
other helpful links. To learn more or to request your credit report, visit
www.annualcreditreport.com.
Order CARFAX Reports
Totaled and Rebuilt? Flood Damage? Odometer Fraud? Avoid buying a used car with these potential problems. Order CARFAX Vehicle History Reports.
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