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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.
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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
*APY=Annual Percentage Yield. Effective Date: June 1, 2025. Last Dividend Declaration Date: May 31, 2025. Rates subject to change at any time.
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.
Special 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?
Apply Now
Schedule Appointment
What our members say:
“The Member Relationship Specialist explained everything clearly. I enjoyed the application from start to finish. I feel I can trust Yolo Federal Credit Union with all my banking needs.”
Rogers Long
“My brother is disabled and needs extra help…Yolo Federal goes out of its way to help him, from checking issues to change purchases. They give him a seat and come to him since it is hard for him to stand for any length of time.”
Jonathan Cowan
“Love banking here💕”
Jeanie Morrison
“The team at Yolo FCU … is awesome. They treat all the members as if they are family, and my experience with them was nothing short of spectacular! I would recommend them to everyone I know!”
Abbas Chechi
“Best bank ever”
Monica Gallardo
“I couldn’t be more thankful for … how streamlined the experience was. I would recommend Yolo FCU to anyone looking for a place to handle their financial needs.”
James Haws
Yolo FCU Member
“This is a great bank!!! The staff is awesome.”
Matt Amundson
Yolo FCU Member
“Love our Credit Union. Staff is always friendly, courteous, and very helpful.”
Suzy Tadlock
Yolo FCU Member
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
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Have questions? We are here to help.
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Meet Penny! Your virtual assistant, here to help you 24/7:
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Call us:
Toll Free:
(877) YOLOFCU (965-6328)Mon-Fri 10am-5pm
Sat 10am-2pm
Sat 10am-2pm
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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
To participate in the “Shortcut to Savings” program (Program) you must: (i) notify us through our website, by phone, email, or in person to opt-in; and (ii) have been issued a debit card. The Program rounds up each debit purchase transaction (Purchase) to the nearest dollar and transfers any amount in excess (Amount) from the checking account (Account) to a designated savings or sub-savings account (Savings). Each calendar day the Program requirements are met, the difference between the actual Purchase and the amount rounded up to the nearest dollar will be transferred to the Savings. If a Purchase is reversed, the transfer amount will still post to the Savings. If there are insufficient funds in the Account, the transfer will not be posted to Savings. Transfers to the Savings will show as a single transaction. The Amount is the sum of all transfers that occurred in the same calendar day. Example: a transaction of $25.17 would result in a transfer of $0.83 to the Savings. A subsequent transaction [that same day] of $26.01 would result in a transfer of $0.99 to the Savings. In the Account these transactions would be recorded as: (i) a transaction of $25.17; (ii) a subsequent transaction of $26.01; and (iii) a transfer Amount of $1.82 to the Savings. If transactions end in .00 cents the amount transferred will be $1.00.
You may opt-out of the savings program anytime by notifying us by phone, email, or in person. Some restrictions may apply.
