Get your account in minutes
Apply 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.
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.
Checking Accounts
No strings attached. Just smart banking.
All the must-haves with zero surprises—straightforward banking made easy.
.svg){kind=icon}
No Monthly Fees
No Monthly Fees
No Monthly Fees
Rates & Fees
Simply & Student Checking
Minimum daily balance
Dividend rate
APY*
$0
0.00%
0.00%
$1,000
0.01%
0.01%
$5,000
0.01%
0.01%
Disclosure
Show moreSpecial offers and programs
Shortcut to Savings Program
Grow Savings Effortlessly
We'll round up your Debit Card purchases and transfer the difference from your Checking to your Savings Account*.
It's free!
Easily save while you spend
Turn small change into big savings
Direct Deposit
Want Your Money Faster?
Set up direct deposit with your employer and get your paycheck deposited directly into your Yolo Federal account.
Get paychecks right away
Choose one or more account
Digital Wallet
Make purchases securely and conveniently using a Digital Wallet. You can buy items online or in stores with just a tap of your phone. Easily link your Yolo Federal Debit or Credit Card to your phone, smartwatch, tablet, or computer.
Have questions or ready to apply?
What our members say:
Frequently asked questions
What are the requirements to open a Checking Account?
You must open the account with a minimum of $25 and be age 13 or older. Anyone under the age of 18 must apply with an adult.
What is the monthly fee?
The monthly fee for a Checking Account is $0.
There is no monthly fee, it's free!
There is a $5 monthly fee to have your paper statements mailed to you. To avoid this fee, you can enroll in free eStatements. Members 65 or older or 18 and younger are excluded from this fee.
Can I open just a Checking account?
No, all Yolo FCU members are required to have a membership Savings Account. Joining Yolo FCU and opening a membership savings account allows you to access all the perks and benefits of credit union membership, including low rates on Auto Loans, convenient digital banking options, access to 30,000 CO-OP ATMs nationwide, and more!
What is the difference between Simply Checking and Student Checking accounts?
The Share Savings account minimum balance is waived with Student Checking until the account owner turns 23.
How do I get started with Shortcut to Savings Program?
Easily enroll your Account through Online Banking or at a branch. Once you're enrolled, we'll round up every debit purchase* to the nearest dollar. For example, if you spend $9.50 on a purchase, we'll transfer $0.50 from your Checking to your Savings.
Savings will be added together into one transaction amount and transfer from your Checking to Savings the day after purchases were made.
Online & Mobile Banking
- Login and click on "Tools" (or click "More" then "Tools" from Mobile Banking)
- Select "SecureForms"
- Complete the Shortcut to Savings form and submit
How do I set up Direct Deposit?
You can set up Account through your employer. All you need to do is provide them our routing number (321178514) and your Checking Account number.
To get your Checking Account number (MICR), from Online or Mobile Banking.
- Login and select your Checking Account
- Select "Show Details"
- Use the number displayed under MICR Account Number
Show More
Show Less
Have questions? We are here to help.
.svg){kind=icon}
Meet Penny! Your virtual assistant, here to help you 24/7:
.svg){kind=icon}
Call us:
Toll Free:
(877) YOLOFCU (965-6328)Mon-Fri 10am-5pm
Sat 10am-2pm
Sat 10am-2pm
.svg){kind=icon}
Skip the line, schedule appointment:
Meet us at one of our branches or schedule a call
Everyone who lives, works, worships, or attends school in Yolo,
Sacramento, Placer, or El Dorado counties is eligible for membership.
Sacramento, Placer, or El Dorado counties is eligible for membership.
Everyone who lives, works, worships, or attends school in Yolo, Sacramento, Placer, or El Dorado counties is eligible for membership.
Disclosure
Show more
