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Discounted Loans for Healthcare & First Responders
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Real estate rates can change daily and are subject to creditworthiness. Contact our Real Estate Department to see what the current rates are.
To apply, 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, or looking to purchase your primary residence in Yolo, Sacramento, Placer, or El Dorado counties.
Individuals employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system.
To receive the discount, first responders or healthcare professionals must provide proof of employment such as Paystub, ID badge, etc.
Offer cannot be combined with any other offer
New First Mortgages qualify for a lender credit up to $2,000. Existing Yolo Federal First Mortgages and Mobile Home Loans are excluded. First Mortgage application must be submitted and funded during the Promotional Period (7/8/25-12/31/25).
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*Healthcare First Responder Discount: Yolo Federal Credit Union offers a .25% rate discount on qualifying fixed-rate loan products for healthcare and first responder professionals. Qualifying loan products include: Vehicle, Recreational Vehicle, Motorcycle, Boat, Real Estate, Home Equity, Signature, and Energy Saver Loans. To receive the discount, the individual must be employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system at the time of application and provide proof of employment. Retired healthcare and first responder professionals also qualify for loan discount. Subject to change at any time.
The Home Loan Lender Credit Offer ("Lender Credit") is valid 7/8/25-12/31/25 ("Promotional Period") for First Mortgages only. New First Mortgages qualify for a lender credit up to$2,000. Existing Yolo Federal First Mortgages and Mobile Home Loans are excluded. To qualify, a mortgage loan application must be submitted within the Promotional Period and the loan must be funded prior to the application expiration date. The Lender Credit will be applied at closing. The Lender Credit cannot be combined with any other offer. If the mortgage loan is paid off and closed within 24 months, the Lender Credit must be repaid to Yolo FCU. Property insurance is required, and flood insurance may be required based on property location. Some restrictions may apply. Subject to change at any time.
Based on a $400,000 loan amount at 7.06% fixed APR, monthly payments would be approximately $2,662 over a 30-year term.
Estimated closing costs before lender credit is$6,524. Individual savings may vary.
From now through December 31, 2025, new First Mortgages qualify for a lender credit up to $2,000. Apply for your First Mortgage today or schedule an appointment with our Real Estate team to learn more. Some restrictions may apply. Individual savings may vary. Subject to change at any time.
