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  • Loan Rates

    View all current rates on Consumer Loans.

    New and Used Auto

    Loan Type Term in months Minimum Amount Rate as low as Annual Percentage Rate1 Payment per $1,0002
    New Auto Up to 24 Mo. N/A 2.19% 2.19% $42.62
    Up to 36 Mo. N/A 2.19% 2.19% 28.73
    37-48 Mo. N/A 2.19% 2.19% $21.78
    49-60 Mo. N/A 2.19% 2.19% $17.61
    61-72 Mo. $15,000 2.59% 2.59% $15.01
    73-84 Mo. $20,000 2.99% 2.99% $13.21
    85-120 Mo. 3 $30,000 2.99% 2.99% $9.66
    Used Auto Up to 24 Mo. N/A 2.69% 2.69% $42.84
    Up to 36 Mo. N/A 2.69% 2.69% $28.94
    37-48 Mo. N/A 2.69% 2.69% $22.00
    49-60 Mo N/A 2.69% 2.69% $17.83
    61-72 Mo. $15,000 3.09% 3.09% $15.23
    73-84 Mo. $20,000 3.49% 3.49% $13.44
    85-120 Mo.3 $30,000 3.49% 3.49% $9.89

    Effective Date: December 1, 2017. The APR is accurate as of the effective date.

    1 Based on loan balance of $10,000 or minimum amount required for term.

    2 Payment per $1,000 is based on the minimum APR reflected at the maximum term available in range.

    3 Mobility Loans: Extended terms from 85-120 months apply to vehicle loans with mobility options only. Up to 90% financing only. Other restrictions may apply.

    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.

    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.

    New and Used Fixed Rate Motorcycle / Boat Loans

    Loan Type Term in months Minimum amount Rate as low as Annual Percentage Rate1 Payment per $1,0002
    Motorcycle/Boat Up to 60 Mo. N/A 6.24% 6.24% $19.44
    61-72 Mo. $10,000 6.24% 6.24% $16.69
    73-84 Mo. $20,000 6.24% 6.24% $14.72
    85-96 Mo. $30,000 6.24% 6.24% $13.26
    97-120 Mo. $50,000 6.24% 6.24% $11.22
    121-144 Mo. $70,000 6.24% 6.24% $9.88
    145-180 Mo. $100,000 6.24% 6.24% $8.57

    Effective Date: January 1, 2018. The APR is accurate as of the effective date.

    1Based on loan balance of $10,000 or minimum amount required for term.

    2Payment per $1,000 is based on the minimum APR reflected at the maximum term available in range.

    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.

    New and Used Fixed Rate RV / Travel Trailer

    Loan Type Term Min. Amount Starting Rate Annual Percentage Rate1 Payment per $1,0002
    RV or Travel Trailer Up to 60 Mo. N/A 6.24% 6.24% $19.44
    61-72 Mo. $10k 6.24% 6.24% $16.69
    73-84 Mo. $20k 6.24% 6.24% $14.72
    85-96 Mo. $30k 6.24% 6.24% $13.26
    97-120 Mo. $50k 6.24% 6.24% $11.22
    121-144 Mo. $70k 6.24% 6.24% $9.88
    145-180 Mo. $100k 6.24% 6.24% $8.57

    Effective Date: January 1, 2018. The APR is accurate as of the effective date.

    1Based on loan balance of $10,000 or minimum amount required for term.

    2Payment per $1,000 is based on the minimum APR reflected at the maximum term available in range.

    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.

    Non-Owner Occupied Home Equity Lines of Credit (HELOC)

    Loan Index 4.50%
    Margin (+2.00%) to (+3.00%)
    Annual Percentage Rate* 6.50% - 7.50%
    (Fixed for the first 6 months)
    Maximum Amount Financed $500,000
    Purchase/Refinance Loan-to-Value Up to 70%
    Maximum Maturity 25 years
    Annual Fee $50.00
    (Waived for the first year)

    Effective Date: January 1, 2018. The APR is accurate as of the effective date. Improved property must be within 100 miles of Yolo County. Property must be a Single Family-Owner Occupied Residence in an incorporated area and not listed for sale only.

    *The 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.

    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. 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.

    Owner-Occupied Home Equity Lines of Credit (HELOC)

    Loan Index 4.50%
    Margin (-0.50%) to (+1.00%)
    Annual Percentage Rate* 4.00% - 5.50%
    (Fixed for the first 6 months)
    Maximum Amount Financed $500,000
    Purchase/Refinance Loan-to-Value 80%/80%
    Maximum Maturity 25 years
    Annual Fee $50.00
    (Waived for the first year)

    Effective Date: January 1, 2018. The APR is accurate as of the effective date. Improved property must be within 100 miles of Yolo County. Property must be a Single Family-Owner Occupied Residence in an incorporated area and not listed for sale only.

    *The 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.

    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. 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.

    Call-4-Cash

    Maximum
    Amount
    Interest Type Annual Percentage Rate Current
    Index
    Approximate
    Term
    Index Factor
    $20,000 Variable Rate* 12.50% 4.50% Revolving 8.00%

    Effective Date: January 1, 2018. The APR is accurate as of the effective date.

    *Variable 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.

    Rates, Financing Amount and Terms: Some restrictions apply. A member's creditworthiness will be based, for example, on factors such as debt to income ratios, credit history, employment, etc.

    Consumer Loans

    Loan Type Term Max amount Rate Annual Percentage Yield* Payment per
    $1,000†
    Signature Up to 93 Mo. $20,000 17.90% 17.90% $19.95
    Share Secured Up to 60 Mo. 95% of available deposit 5.00% 5.00% $18.87
    Share Secured 60-120 Mo. 95% of available deposit 6.00% 6.00% $11.10
    CD Secured Maturity of CD 80% of available deposit 3% above CD rate 3% above CD rate Varies
    Energy Saver Up to 124 Mo. $35,000 6.99% 6.99% $11.61

    Effective Date: January 1, 2018. The APR is accurate as of the effective date.

    *Based on loan balance of $10,000 or minimum amount required for term.

    †Payment per $1,000 is based on the minimum APR reflected at the maximum term available in range.

    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.

  • VISA Rates

    View all current rates on VISA cards.

    Visa® Classic & Share Secured

    Type Annual Percentage Rate (APR)
    Purchases 11.90% to 17.90%
    Balance Transfers 11.90% to 17.90%
    Cash Advances 11.90% to 17.90%
    Penalty APR and when it applies None

    Effective Date: December 1, 2017. The APR is accurate as of the effective date.

    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.

    How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

    For Credit Card tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

    Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.

    Visa® Gold

    Type Annual Percentage Rate (APR)
    Purchases 9.50%*
    Balance Transfers 9.50%*
    Cash Advances 9.50%*
    Penalty APR and when it applies None

    *This APR may vary with the market based on the average of the 6-month U.S. Treasury Bill Rate.

    Effective Date: January 16, 2018. The APR is accurate as of the effective date.

    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.

    How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

    For Credit Card tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

    Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.

    Visa® Platinum

    Type Annual Percentage Rate (APR)
    Purchases 3.99% - Introductory rate for 6 months
    11.24%-18.24% - APR after the introductory rate period*
    Balance Transfers 3.99% - Introductory rate for 6 months
    11.24%-18.24% - APR after the introductory rate period*
    Cash Advances 11.24%-18.24%*
    Penalty APR and when it applies 11.24%-18.24%%†

    *This APR may vary with the market based on the Prime Rate.
    †This APR may be applied to your account if you make a late payment. If your APRs are increased for this reason, for transactions that you make prior to the effective date of the increase, the Penalty Rate will apply indefinitely.

    Effective Date: January 1, 2018. The APR is accurate as of the effective date.

    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.

    How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

    For Credit Card tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

    Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.

    Business Visa®

    Type Annual Percentage Rate (APR)
    Purchases 11.49%*
    Balance Transfers 11.49%*
    Cash Advances 11.49%*
    Penalty APR and when it applies None

    *This APR may vary with the market based on the Prime Rate.

    Effective Date: January 1, 2018. The APR is accurate as of the effective date.

    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.

    How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

    For Credit Card tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

    Some restrictions may apply. Rates shown above may not apply to every borrower and is based on creditworthiness.

  • Saving Rates

    View all current rates on Saving Accounts.

    Savings & Secondary Savings Accounts

    Minimum Daily Balance Dividend Rate Annual Percentage Yield
    $0 0.03% 0.03%
    $100 0.03% 0.03%
    $10,000 0.03% 0.03%
    $50,000 0.03% 0.03%
    $100,000 0.03% 0.03%

    Effective Date: December 1, 2017. Last Dividend Declaration Date: November 30, 2017.

    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.

    IRA, ROTH, Coverdell ESA & SEP

    Minimum Daily Balance Dividend Rate Annual Percentage Yield
    $0 0.03% 0.03%
    $100 0.03% 0.03%
    $10,000 0.03% 0.03%
    $50,000 0.03% 0.03%
    $100,000 0.03% 0.03%

    Effective Date: January 1, 2018. Last Dividend Declaration Date: December 31, 2017.

    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.

    Health Savings

    Minimum Daily Balance Dividend Rate Annual Percentage Yield
    $0 0.01% 0.01%
    $1,000 0.01% 0.01%
    $5,000 0.01% 0.01%

    Effective Date: January 1, 2018. Last Dividend Declaration Date: December 31, 2017.

    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.

    Money Market Savings Account

    Minimum Daily Balance Dividend Rate Annual Percentage Yield
    $0 0.00% 0.00%
    $2,500 0.03% 0.03%
    $10,000 0.10% 0.10%
    $50,000 0.10% 0.10%
    $100,000 0.10% 0.10%

    Effective Date: December 1, 2017. Last Dividend Declaration Date: November 30, 2017.

    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.

    Premium Money Market Savings Account

    Balance Dividend Rate Annual Percentage Yield
    $0 0.00% 0.00%
    $100,000 0.10% 0.10%
    $125,000 0.10% 0.10%
    $150,000 0.15% 0.15%
    $200,000 0.20% 0.20%

    Effective Date: December 1, 2017. Last Dividend Declaration Date: November 30, 2017.

    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.

  • Checking Rates

    View all current rates on Checking Accounts.

    Simply & Student Checking

    Minimum Daily Balance Dividend Rate Annual Percentage Yield
    $0 0.00% 0.00%
    $5,000 0.01% 0.01%
    $25,000+ 0.01% 0.01%

    Effective Date: January 1, 2018. Last Dividend Declaration Date: December 31, 2017.

    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.

    Simply Free Business Checking

    Minimum Daily Balance Dividend Rate Annual Percentage Yield
    $0 0.01% 0.01%

    Effective Date: January 1, 2018. Last Dividend Declaration Date: December 31, 2017.

    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.

    Regular Business Checking

    Minimum Daily Balance Dividend Rate Annual Percentage Yield
    $0 0.02% 0.02%
    $2,500 0.02% 0.02%
    $10,000 0.02% 0.02%
    $50,000 0.02% 0.02%
    $100,000 0.02% 0.02%

    Effective Date: January 1, 2018. Last Dividend Declaration Date: December 31, 2017.

    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.

  • Certificates

    View all current rates on Certificates of Deposit.

    CD Savings

    Minimum Deposit
    Term in months
    $500
    APY*
    $10,000
    APY*
    $10,000
    APY*
    $100,000
    APY*
    3-5 0.10% 0.10% 0.10% 0.10%
    6-11 0.15% 0.15% 0.15% 0.15%
    12-23 0.30% 0.30% 0.30% 0.30%
    24-35 0.35% 0.35% 0.35% 0.35%
    36-47† 0.50% 0.50% 0.50% 0.50%
    48-59 0.75% 0.75% 0.75% 0.75%
    60 1.10% 1.10% 1.10% 1.10%

    *APY= Annual Percentage Yield.

    Effective Date: January 1, 2018. Last Dividend Declaration Date: December 31, 2017.

    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. 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.

    Business CD Savings

    Minimum Deposit
    Term in months
    $500
    APY*
    $10,000
    APY*
    $10,000
    APY*
    $100,000
    APY*
    3-5 0.10% 0.10% 0.10% 0.10%
    6-11 0.15% 0.15% 0.15% 0.15%
    12-23 0.30% 0.30% 0.30% 0.30%
    24-35 0.35% 0.35% 0.35% 0.35%
    36-47† 0.50% 0.50% 0.50% 0.50%
    48-59 0.75% 0.75% 0.75% 0.75%
    60 1.10% 1.10% 1.10% 1.10%

    *APY= Annual Percentage Yield.

    Effective Date: January 1, 2018. Last Dividend Declaration Date: December 31, 2017.

    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. 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.

    IRA & ROTH CD Savings

    Minimum Deposit
    Term in months
    $500
    APY*
    $10,000
    APY*
    $50,000
    APY*
    $100,000
    APY*
    12-23 0.30% 0.30% 0.30% 0.30%
    24-35 0.35% 0.35% 0.35% 0.35%
    36-47 0.50% 0.50% 0.50% 0.50%
    48-59 0.75% 0.75% 0.75% 0.75%
    60 1.10% 1.10% 1.10% 1.10%

    *APY= Annual Percentage Yield.

    Effective Date: January 1, 2018. Last Dividend Declaration Date: December 31, 2017.

    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. 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! CD Savings

    Minimum Deposit
    Term in months
    $500
    APY*
    $10,000
    APY*
    $50,000
    APY*
    $100,000
    APY*
    36-47† 0.35% 0.35% 0.35% 0.35%

    *APY= Annual Percentage Yield.

    Effective Date: January 1, 2018. Last Dividend Declaration Date: December 31, 2017.

    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. 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.