Checking Products
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Personal Checking
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Yolo Federal Credit Union has taken the guesswork out of comparing and choosing a checking account. That’s why we offer variety in our products to help you choose the account that best fits your lifestyle. All Yolo FCU Checking accounts offer the following Free services:
Free PC Banking
Free Bill Payer
Free e-statements with online check images
Free ATM/Debit Card
Free Telephone Access 24/7
Dividends on Balances over $5,000
With the convenience of PC Banking, e-statements and local support, managing your account has never been easier. Check balances, verify cleared checks or set up a bill payment on your schedule. Yolo FCU’s easy access will help keep you in balance.
Simply Checking
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Simplify your life with Simply Checking from Yolo FCU. This straightforward account is Free if you meet just one or more of the criteria below:
A daily aggregate* deposit balance of $5,000 or more
A daily aggregate loan balance of $5,000 or more
Age 65 years or older
Have a monthly direct deposit
*Aggregate is all combined savings or loan balances maintained on your account.
e-Checking
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This FREE* checking account offers the convenience of online or automated services with no monthly service fees and was designed for members that do their banking through online or electronic channels, such as online banking, through the ATM, by phone, or a combination of any of these. If this describes your banking needs, this no fuss online account is right for you. This account also offers the unique benefit of FREE unlimited Non-Yolo FCU ATM** transactions.
*A $5.00 fee will be assessed for in-branch transactions that can be done through electronic services.
**Surcharges may be imposed by other institutions.
Student Checking
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As a student, your life is extremely busy and your checking account shouldn’t be another homework assignment. If this is your first checking account, Yolo FCU offers In-Balance, an online tutorial to put you on the road to successfully managing your account. This FREE, no-strings checking account is perfect for the busy student and is available to all members between the ages of 13-22.
Brochures
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Checking
Student Services
To open an account, visit any local branch or call (530) 668-2700.
Savings Products
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Regular Savings
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This account is your key to all other services available from Yolo FCU. Anyone living, working, worshiping or attending school in Yolo County is eligible to join Yolo FCU and will begin membership with this primary product. Use this account to save for vacation, periodic expenses or a rainy day. After the first regular savings account is established, subsequent savings accounts can be added and uniquely named to diversify your savings portfolio. This dividend-earning account is Free if you meet one or more of the following criteria:
$200 minimum daily balance
Aggregate deposit balances of $5,000 or more
Aggregate loan balances of $5,000 or more
Direct Deposit
Holiday Club
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By establishing a holiday club account you can start planning for your holiday expenses and have the cash readily available when you are ready to shop. This account may be opened any time throughout the year. Automatic deposits make this account an easy way to save. This dividend-earning account has no minimum balance requirements. To open an account, visit any branch location, call (530) 668-2700 or click “Live Help” located to the left of the page.
Penny Saver Kids Club
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Yolo Federal Credit Union has designed a Free savings account to assist parents in teaching their children the importance of saving. This unique program offers rewards for deposits made to encourage young members to save for their future. This account is open to all members between the ages of newborn to 12 with no minimum balance required. By maintaining a balance in the account, youth members also get an opportunity to watch their money grow as monthly dividends are paid. Accounts can be opened at any branch location or by calling (530) 668-2700.
Student Savings
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Designed for the busy student, this Free account is open to all members between the ages of 13-22 and is perfectly matched with Student Checking, online banking, bill payer, ATM access and e-statements. One-time or periodic transfers can be made from a parent’s account for a convenient way to help your child manage their money whether from an allowance, educational expenses or helping them to save for their first car or home. For additional details or to open an account, visit any local branch or call (530) 668-2700.
Health Savings
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A Health Savings Account (HSA) is a tax-deductible savings account with tax-free withdrawals* for qualified medical expenses. This account offers unlimited check writing and a VISA check Card for easy access to funds. For additional details, visit any local branch office or call, (530) 668-2700.
*Please check with your tax consultant for your eligibility.
Brochures
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Savings
Student Services
Health Savings
To open an account, visit any local branch or call (530) 668-2700.
Loan Products
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Yolo FCU offers a variety of loan options with flexible terms and attractive rates to help you finance or refinance your home, purchase a car or establish and build credit. We offer:
To learn more about these products, click on the product name above or call (530) 668-2700 to speak with a Member Service Representative who can tailor your loan request to fit your individual needs.
Brochures
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Loan Services
Real Estate Loans
For more information, visit any branch location, call (530) 668-2700 or or use our convenient Online Chat service.
Investment Products
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Yolo FCU provides a variety of options so that you can diversify your saving investments to fit your needs and plans for the future. Enjoy peace of mind knowing that each account is federally insured* allowing you to maintain your funds in a safe and secure account that offers competitive rates and unbeatable service. Yolo FCU staff is ready to help you plan for your future. Stop by any branch location or call (530) 668-2700 and a member service representative will discuss options to help plan your investments.
*Money Market & regular Share Certificates are federally insured up to $100,000 and IRA and IRA Share Certificates are federally insured up to $250,000.
Money Market Products
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Money Market
Maximize your earnings with a Yolo FCU money market account. This account offers a higher than average share rate that increases with your balance while maintaining the liquidity of a savings account. With no monthly fees for balances maintained above the minimum balance of $2,500* and the option to write up to 3 checks per month, a money market account is an excellent option to enhance your savings portfolio.
*Minimum balance fee $5.00. Excess withdrawal fee $5.00.
Premium Money Market
Enjoy the same liquidity benefits of the regular money market account while earning a higher dividend rate on balances of $150,000* or more. The premium money market is an excellent way to earn more while still having access to you account when you need it.
*Minimum balance fee for balances below $100,000 is $10.00. Excess withdrawal fee $10.00.
Share Certificates (CD)
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Share Certificates allow you to increase your earnings with higher yields on balances of $500.00 or more. Terms range from 3 to 60 months so you choose the term that fits your needs. Dividends are compounded daily and paid monthly. Compare Yolo FCU rates and see how we can help you to achieve a higher return on your investment.
IRA & Coverdell Share Accounts
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Individual Retirement Account (Roth & Traditional)
Saving for retirement is your first step to a strong financial future. The dividends you earn on an Individual Retirement Account (IRA) may be tax deductible or deferred.* Each of these accounts can be opened at any time. You can make additional deposits to the account as often as you like up to the contribution limit of $4,000.00 per year* without any deposit restrictions. Dividends are compounded daily and paid monthly and balances are insured up to $250,000 through the National Credit Union Administration.
Share IRA Certificate (IRA CD)
If you are looking to invest your retirement funds in a higher yield account, an IRA CD is the right choice for you. With the flexibility of a regular savings CD, you can customize to meet your retirement needs. Yolo FCU offers terms ranging from 12-60 months with a minimum deposit of $2,000*.
*Please check with your tax advisor.
Coverdell Education Share Account
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This account is designed exclusively to save for a child’s future educational expenses. You can make annual contributions to this account up to a maximum of $2,000* per year. Earnings may be tax deferred* when withdrawals are made for qualified educational expenses. This option offers parents, grandparents and others the flexibility to transfer funds from this account to another child if the primary beneficiary chooses not to attend secondary education or has not depleted the funds available.
*Please check with your tax advisor.
Brochures
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Individual Retirement Account Introduction
Individual Retirement Account ROTH
Individual Retirement Account Traditional
Individual Retirement Comparison
Individual Retirement Account Rollover
Retirement Planning
Coverdell
Savings & Investments
To open an account or discuss saving plan options, visit any branch location, call (530) 668-2700 or or use our convenient Online Chat service.
Workshops
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Yolo FCU is your partner for financial education. We provide ongoing educational opportunities with financial topics that are important to you and your family. Learn the keys to financial success, how to protect your identity or understand how your credit score affects your buying power. Financial workshops are just one of the many benefits of membership with Yolo FCU.
All workshops are Free and open to the public.
For more information or to RSVP for a workshop, call (530) 669-6371 or
email Marketing.
Click here for our workshop schedule.
Other Services
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Foreign Currency Exchange
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Considering traveling out of the country? Would you like to eliminate the hassle and security issues involved with purchasing foreign currency? Yolo Federal Credit Union has partnered with TRAVELEX and EZFOREX to offer the best available currency exchange rates. We take pride in offering you a convenient and safe method of purchasing foreign currency.
This program is only available to members of Yolo Federal Credit Union. You may purchase foreign currency at reduced prices and enjoy the convenience of timely reminders prior to your planned dates of travel. Payment can be made via electronic settlement directly through your credit union account and the currency can be delivered directly to your home!
How to BUY Foreign Currency
Click BUY TODAY* to enter your approximate date of departure, the type of currency you wish to purchase, and the amount of your transaction. You will be provided the exchange rate for the date of
entry and a follow-up e-mail to determine whether you wish to continue the purchase
7-10 days prior to your vacation. Several payment options are available and funds
will be shipped overnight as instructed by you.
The process is easy, convenient, and safe!
Set up an EMAIL Reminder
This convenient feature will allow you to set up a reminder for future foreign currency exchange transactions.
Just click on REMIND ME LATER*.
If, instead of receiving the currency before you leave, you wish to wire the money to a foreign account, please contact us at 530-668-2700.
*Third Party Link Disclosure:
By clicking on the links above, you are aware that you are leaving Yolo FCU’s website. Yolo FCU does not guarantee the accuracy, security or failure of products/services of third party sites. We encourage you to review the privacy and security disclosures on all websites you visit.
Convenience Services
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Full-Service Branches
Free Bill Payer
Free Home PC Banking
Free Access Line - 24-hour Telephone Teller
Free Financial Workshops
Automatic Transfers
Cashiers Checks
Direct Deposit Wire Transfers
Notary Public
Payroll Deductions
POS Network - Point of sale purchases
Safe Deposit Boxes
Travelers Cheques/Money Orders
VISA® Check Card
Yolo ATM Card - STAR, Instant Teller, Cirrus, PLUS, MoneyPass
Yolo FCU Newsletter
Discount Services
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CuOnVacation Travel Program*
Disney Flex Passes
Great America Discount Tickets
Knotts Berry Farm Coupons
LegoLand Discounts* Call Yolo FCU for member Promotion codes
Marine World Discount Tickets
Raging Waters* Call Yolo FCU for member Promotion codes
Roseville GolfLand SunSplash*
San Diego Zoo Discounts
Six Flags Discounts
Roseville GolfLand SunSplash
...and much more!
*Third Party Link Disclosure:
By clicking on the links above, you are aware that you are leaving Yolo FCU’s website. Yolo FCU does not guarantee the accuracy, security or failure of products/services of third party sites. We encourage you to review the privacy and security disclosures on all websites you visit.
Brochures
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Services
Call (530) 668-2700 for more information
or use our convenient
Online Chat service.
