(530) 668-2700
P.O. Box 657
Woodland, CA 95776
View Locations
|
| |
 |
|
Savings & Holiday Club Accounts
___________________________________________
Minimum Daily Balance
|
Dividend Rate
|
APY*
|
$0
|
0.10%
|
0.10%
|
$100
|
0.10%
|
0.10%
|
$10,000
|
0.10%
|
0.10%
|
$50,000
|
0.10%
|
0.10%
|
$100,000
|
0.10%
|
0.10%
|
Savings account also available to our Business Members.
Money Market Savings
______________________________________
Minimum Daily Balance
|
Dividend Rate
|
APY*
|
| Regular |
|
$0 |
0.05%
|
0.05%
|
$2,500 |
0.20% |
0.20% |
$10,000 |
0.25% |
0.25% |
$50,000 |
0.50% |
0.50% |
$100,000 |
0.60% |
0.60% |
| Premium |
$0
|
0.05%
|
0.05%
|
$125,000
|
0.65%
|
0.65%
|
$150,000
|
0.75%
|
0.75%
|
$200,000
|
0.85%
|
0.85%
|
Money Market Savings also available to our Business Members.
IRA, ROTH, Coverdell ESA & SEP
______________________________________
Minimum Daily Balance
|
Dividend Rate
|
APY*
|
$0
|
0.10%
|
0.10%
|
$100
|
0.10%
|
0.10%
|
$10,000
|
0.10%
|
0.10%
|
$50,000
|
0.10%
|
0.10%
|
$100,000
|
0.10%
|
0.10%
|
SEP account also available to our Business Members.
Health Savings
___________________________________________
Minimum Daily Balance
|
Dividend Rate
|
APY*
|
$0
|
0.35%
|
0.35%
|
$1000
|
0.45%
|
0.45%
|
$5,000
|
0.50%
|
0.50%
|
Health Savings also available to our Business Members.
Effective Date: September 1, 2010.
*APY= Annual Percentage Yield. The APY is accurate as of the effective date.
Last Dividend Declaration Date: August 31, 2010.
Dividends paid from current income and available earnings after required transfer to reserves at the end of the dividend period.
Rates are subject to change without notice as determined by the Credit Union’s Board of Directors. Fees could reduce earnings on
accounts. Some restrictions may apply.
For more details please contact the Yolo FCU Call Center at
(530) 668-2700 or toll free (877) YOLO-FCU.
Money Market Checking
_______________________________________
Minimum Daily Balance
|
Dividend Rate
|
APY*
|
$0
|
0.05%
|
0.05%
|
$2500
|
0.20%
|
0.20%
|
$10,000
|
0.25%
|
0.25%
|
$50,000
|
0.50%
|
0.50%
|
$100,000
|
0.60%
|
0.60%
|
Simply, Student & e-Checking
_____________________________________________
Minimum Daily Balance
|
Dividend Rate
|
APY*
|
$5,000
|
0.05%
|
0.05%
|
$25,000
+ |
0.05%
|
0.05%
|
Effective Date: September 1, 2010. *APY= Annual Percentage Yield.
The APY is accurate as of the effective date. Last Dividend Declaration Date: August 31, 2010.
Dividends paid from current income and available earnings after required transfer to reserves at the end of the dividend period. Rates are subject to change without notice as determined by the Credit Union’s Board of Directors. Fees could reduce earnings on accounts. Some restrictions may apply.
For more details please contact the Yolo FCU Call Center at
(530) 668-2700 or toll free (877) YOLO-FCU.
CD Special Promotion
______________________________________
| |
Term In Months |
Minimum Deposit
|
Rate |
APY*
|
Regular & IRA/ROTH CD |
50 Only
|
$500
|
2.23%
|
2.25% |
CD Savings
___________________________________________
Minimum Deposit
|
$500
|
$10,000
|
$50,000
|
$100,000
|
Term In Months
|
APY*
|
APY*
|
APY* |
APY* |
3-5 |
0.35%
|
0.45%
|
0.50% |
0.55% |
6-11 |
0.65%
|
0.75%
|
0.80% |
0.85% |
12-23 |
0.70% |
0.80% |
0.90% |
0.95% |
24-35 |
0.90% |
1.00% |
1.05% |
1.10% |
36-47 |
1.25% |
1.70% |
1.80% |
1.90% |
48-59 |
1.30% |
1.80% |
1.90% |
2.00% |
60 |
1.40% |
1.90% |
2.00% |
2.10% |
CD Savings also available to our Business Members.
IRA & ROTH CD Savings
___________________________________________
Minimum Deposit
|
$500
|
$10,000
|
$50,000
|
$100,000
|
Term In Months
|
APY*
|
APY*
|
APY* |
APY* |
12-23 |
0.70%
|
0.80%
|
0.90% |
0.95% |
24-35 |
0.90%
|
1.00%
|
1.05% |
1.10% |
36-47 |
1.25% |
1.70% |
1.80% |
1.90% |
48-59 |
1.30% |
1.80% |
1.90% |
2.00% |
60 |
1.40% |
1.90% |
2.00% |
2.10% |
Step-Up! CD Savings
___________________________________________
Minimum Deposit |
$500 |
$10,000 |
$50,000
|
$100,000 |
Term In Months |
APY* |
APY* |
APY* |
APY* |
36-47
|
0.90%
|
1.00%
|
1.05% |
1.10% |
Effective Date: September 1, 2010.
*APY= Annual Percentage Yield. The APY is accurate as of the effective date.
Rates are subject to change without notice as determined by the Credit Union’s Board of Directors. Dividends earned will be compounded only if they remain on deposit in the certificate. Penalty imposed for early
withdrawal. Some restrictions may apply.
Step-Up Certificate accounts will have a fixed rate for the term of the
certificate. A one time option to have the rate increased to the rate then being offered may be exercised
at any time during the term of the certificate. The new rate will be effective the next business day after a written request is received and will remain in effect until the certificates original maturity
date. The rate increase must be in writing by an authorized signer on the certificate account. Notification can be made by fax or mail. Yolo Federal Credit Union will not automatically increase a rate without an authorized signature.
For more details please contact the Yolo FCU Call Center at (530) 668-2700 or toll free (877) YOLO-FCU.
Consumer Loan Rates
___________________________________________
Consumer Loans |
Loan Type |
Maximum
Amount |
Interest Type |
APR¹ |
Current
Index |
Approximate
Term |
Index
Factor |
Call-4-Cash (Line of Credit) |
$20,000 |
Variable Rate² |
11.250% |
3.25% |
Revolving |
8.00% |
Loan Type |
Term
in Months |
Maximum
Amount |
Rate |
APR¹·³ |
Payment
per $1,000⁴ |
| Signature |
Up to 93 Mo. |
$20,000 |
17.90% |
17.90% |
$19.97 |
| Share Secured |
Up to 60 Mo. |
95% of available deposit |
5.00% |
5.00% |
$18.88 |
| Share Secured |
60-120 Mo. |
95% of available deposit |
6.00% |
6.00% |
$11.11 |
| CD Secured |
Maturity of CD |
95% of available deposit |
3% above CD rate |
3% above CD rate |
Varies |
Fixed Rate New Auto |
Loan Type |
Term in Months |
Minimum Amount |
Rate as low as |
APR¹·³ |
Payment
per $1,000⁴ |
| New Auto |
Up to 36 Mo. |
N/A |
4.10% |
4.20% |
$29.58 |
37-48 Mo. |
N/A |
4.10% |
4.20% |
$29.58 |
49-60 Mo. |
N/A |
4.44% |
4.52% |
$18.62 |
61-72 Mo. |
$15,000 |
5.24% |
5.29% |
$16.22 |
73-84 Mo. |
$20,000 |
6.24% |
6.27% |
$14.73 |
Fixed Rate Used Auto |
Loan Type |
Term in Months |
Minimum Amount |
Rate as low as |
APR¹·³ |
Payment
per $1,000⁴ |
| Used Auto |
Up to 36 Mo. |
N/A |
4.10% |
4.20% |
$29.58 |
37-48 Mo. |
N/A |
4.10% |
4.20% |
$29.58 |
49-60 Mo. |
N/A |
4.44% |
4.52% |
$18.62 |
61-72 Mo. |
$15,000 |
5.24% |
5.29% |
$16.22 |
73-84 Mo. |
$20,000 |
6.24% |
6.27% |
$14.73 |
Fixed Rate RV/Travel Trailer Loans (New & Used) |
Loan Type |
Term in Months |
Minimum Amount |
Rate as low as |
APR¹·³ |
Payment
per $1,000⁴ |
| RV/Travel Trailer |
Up to 36 Mo. |
N/A |
7.89% |
8.04% |
$31.29 |
37-48 Mo. |
N/A |
7.89% |
8.04% |
$31.29 |
49-60 Mo. |
N/A |
7.89% |
8.04% |
$31.29 |
61-72 Mo. |
$20,000 |
8.14% |
8.18% |
$17.61 |
73-120 Mo.5 |
$25,000 |
8.14% |
8.16% |
$17.61 |
Fixed Rate Motorcycle/Boat Loans (New & Used) |
Loan Type |
Term in Months |
Minimum Amount |
Rate as low as |
APR¹·³ |
Payment
per $1,000⁴ |
| Motorcycle/Boat |
Up to 36 Mo. |
N/A |
7.89% |
8.04% |
$31.29 |
37-48 Mo. |
N/A |
7.89% |
8.04% |
$31.29 |
49-60 Mo. |
N/A |
7.89% |
8.04% |
$31.29 |
61-72 Mo. |
$20,000 |
8.14% |
8.18% |
$17.61 |
73-84 Mo. |
$25,000 |
8.14% |
8.16% |
$17.61 |
Vehicle loans also available to our Business Members.
Effective Date: September 1, 2010 .
The APR is accurate as of the effective date.
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.
1A.P.R. = Annual Percentage Rate.
2Variable Rate Disclosure: Call-4-Cash advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal in effect on the 1st day of each month of each year ("index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of each month of each year. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and may affect the number of Your scheduled payments. Your Interest Rate will never be greater than 18.00% nor less than 8.00% and will apply to Your remaining principle balance.
3Based on loan balance of $10,000 or minimum amount required for term.
4Payment per $1,000 is based on the minimum APR reflected at the maximum term available in range.
5Minimum Loan Amount: $30,000 for 85-96 months, $35,000 for 97-108 months, $40,000 for 109-120 months.
First Time Buyer Program: Yolo Federal Credit Union offers a first time buyer program. Maximum term is 60 months, maximum amount financed is $15,000. A.P.R. is 18.00% up to 60 months. Please consult a credit union financial services officer for additional details.
Green Loans: Yolo Federal Credit Union offers a .30% rate discount. To qualify, the purchase must meet the IRS guidelines for energy efficiency tax credits.
For more details please contact our Yolo FCU Call Center at (530) 668-2700 or toll free (877) YOLO-FCU.
Mortgage Loans
______________________________________
With a wide variety of mortgage loans available Yolo FCU can
tailor a real estate loan to fit every need. We offer competitive fixed and
variable rates. For more
information regarding Real Estate loans, please call
530-669-6306.
Click here to view Real Estate promotions and information.
Home Equity Lines of Credit
______________________________________
Home Equity Line of Credit (HELOC)
|
1st & 2nd Trust Deed
|
Loan Index |
3.25% |
Margin |
(-0.50%)-(+1.00%) |
APR¹ |
4.00%-4.25%
(Fixed for the first 6 months)
|
Maximum Amount Financed |
$500,000 |
Purchase/Refinance Loan-to-Value
|
|
|
|
25 years |
|
$50.00
(waived for the first year)
|
Mobile Home Loans
______________________________________
Yolo FCU offers loans on both new and used mobile homes (first
liens only).
For full details please contact us.
Effective Date: September 1, 2010.
The APR is accurate as of the effective date.
Improved property must be within 100 miles of
Yolo County
. Single Family-Owner Occupied
Residence in an incorporated area and not listed for sale only.
All 3rd party fees are waived. If line-of-credit is paid off and closed within 24
months, all 3rd party fees must be repaid to Yolo FCU.
¹The Annual Percentage Rate (A.P.R.) on all variable rate advances may be adjusted on the 1st day of each month. The A.P.R is based on the value of an index. The index is defined as the Prime Rate as of the first of each month. Rate will be fixed for the first 6 months. Information about this index is regularly published in the Money Rates table of the Wall Street Journal. When a range of rates is published, the highest rate will be selected. To determine the A.P.R that will apply to your line of credit, we add a margin to the value of the index. The A.P.R. will not exceed the rate permitted under the Federal Credit Union Act nor will it be lower than a floor of 4.00%. If this index or the source ceases to exist, the Credit Union will use a similar or substitute index. 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. A member's creditworthiness will determine the maximum amount financed, and the category of rate for which the member qualifies. A member's creditworthiness will be based, for example, on factors such as dept to income ratios, credit history, employment, etc.
Property Insurance is required and flood insurance will be
required if property is located in a flood zone.
No rate is guaranteed. Rates, terms and other conditions are subject to change without
notice. Certain restrictions
may apply. The above rates are
for informational purposes only.
For more details please contact our Yolo FCU Call Center at (530) 668-2700 or toll free (877) YOLO-FCU.
Starter/Student/Secured - Visa® Classic
___________________________________________
Interest Rates and Interest Charges |
Annual Percentage Rate (APR) for Purchases
|
11.90% to 17.90%
Based on your creditworthiness
|
| Annual Percentage Rate (APR)for Balance Transfers |
11.90% to 17.90%
Based on your creditworthiness |
Annual Percentage Rate (APR) for Cash Advances |
11.90% to 17.90%
Based on your creditworthiness |
| Penalty APR and When It Applies |
None |
| Paying Interest |
We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.
|
| For Credit Card Tip from the Federal Reserve Board |
|
Fees |
| Annual Fee |
|
| Transaction Fees |
| Balance Transfer |
None |
| Cash Advance |
None |
| Foreign Transaction |
3.00% of each foreign currancy transactions in U.S dollars |
Foreign Transaction
|
3.00% of each U.S. Dollar transaction that occurs in a foreign country |
| Penalty Fees |
| Late Payment |
Up to $15.00 after 4 days |
| Returned Payment |
Up to $15.00 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Visa® Gold
___________________________________________
Interest Rates and Interest Charges |
Annual Percentage Rate (APR) for Purchases
|
8.25%
This APR may vary with the market based on the average of the 6-month U.S. Treasury Bill Rate.
|
| Annual Percentage Rate (APR)for Balance Transfers |
8.25%
This APR may vary with the market based on the average of the 6-month U.S. Treasury Bill Rate.
|
Annual Percentage Rate (APR) for Cash Advances |
8.25%
This APR may vary with the market based on the average of the 6-month U.S. Treasury Bill Rate.
|
| Penalty APR and When It Applies |
None |
| Paying Interest |
We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.
|
| For Credit Card Tip from the Federal Reserve Board |
|
Fees |
| Annual Fee |
|
| Transaction Fees |
| Balance Transfer |
None |
| Cash Advance |
None |
| Foreign Transaction |
3.00% of each foreign currancy transactions in U.S dollars |
Foreign Transaction
|
3.00% of each U.S. Dollar transaction that occurs in a foreign country |
| Penalty Fees |
| Late Payment |
Up to $15.00 after 4 days |
| Returned Payment |
Up to $15.00 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Effective Date: September 1, 2010.
The APR is accurate as of the effective date.
Some restrictions may apply. These disclosures are accurate as of the date of printing. The terms shown are subject to change after that date. Contact the Credit Union for any changes in the information disclosed after that date at : Yolo Federal Credit Union, P.O. Box 657, Woodland, CA. 95776-0657, or call 530-668-2700.
Rates shown above may not apply to every borrower and is based on creditworthiness. Credit Line Account Agreement & 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.
Simply Free Business Checking
_____________________________________________
Minimum Daily Balance
|
Dividend Rate
|
APY*
|
$0 |
0.05%
|
0.05%
|
Regular Business Checking
_______________________________________
Minimum Daily Balance
|
Dividend Rate
|
APY*
|
$0
|
0.05%
|
0.05%
|
$2500
|
0.10%
|
0.10%
|
$10,000
|
0.10%
|
0.10%
|
$50,000
|
0.10%
|
0.10%
|
$100,000
|
0.10%
|
0.10%
|
Business Visa®
___________________________________________
Interest Rates and Interest Charges |
Annual Percentage Rate (APR) for Purchases
|
10.24%
This APR may vary with the market based on the Prime Rate.
|
| Annual Percentage Rate (APR)for Balance Transfers |
10.24%
This APR may vary with the market based on the Prime Rate. |
Annual Percentage Rate (APR) for Cash Advances |
10.24%
This APR may vary with the market based on the Prime Rate.
|
| Penalty APR and When It Applies |
None |
| Paying Interest |
We will not charge you interest on purchases if you pay your entire balance owed each month within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.
|
| For Credit Card Tip from the Federal Reserve Board |
|
Fees |
| Annual Fee |
|
| Transaction Fees |
| Balance Transfer |
None |
| Cash Advance |
None |
| Foreign Transaction |
3.00% of each foreign currancy transactions in U.S dollars |
Foreign Transaction
|
3.00% of each U.S. Dollar transaction that occurs in a foreign country |
| Penalty Fees |
| Late Payment |
$15.00 after 4 days |
| Over the Credit Limit |
$10.00 |
| Returned Payment |
$15.00 |
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Business Members - Check our Savings and CD/Investment rates to view more products that may offer solutions to your business needs.
Effective Date: September 1, 2010 . APY= Annual Percentage Yield. *The APY is accurate as of the effective date. Last Dividend Declaration Date: August 31, 2010.
Dividends paid from current income and available earnings after required transfer to reserves at the end of the dividend period. Rates are subject to change without notice as determined by the Credit Union’s Board of Directors. Fees could reduce earnings on accounts.
Some restrictions may apply.
Some restrictions may apply. These disclosures are accurate as of the date of printing. The terms shown are subject to change after that date. Contact the Credit Union for any changes in the information disclosed after that date at : Yolo Federal Credit Union, P.O. Box 657, Woodland, CA. 95776-0657, or call 530-668-2700.
Rates shown above may not apply to every borrower and is based on creditworthiness. Credit Line Account Agreement & Disclosure
*The APR is accurate as of the effective date. Your Annual Percentage Rate may vary. Variable Rate Disclosure: All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal in effect on the 1st day of each month of each year ("index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of each month of each year. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and may affect the number of Your scheduled payments. Your Interest Rate will never be greater than 18.00% nor less than 6.99% and will apply to Your remaining principle balance. You may be charged fees associated with your application for and use of your card.
**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.
| |
|
