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What Is It?

Savings or Share Certificate (CD) Secured Loans from Yolo Federal

This loan lets you use money in your Savings Account or Share Certificate (CD) as collateral to secure your loan. That means lower rates and monthly payments, plus a chance to build better credit.

Why Yolo Federal

Yolo gets you a better deal

  • Low monthly payments
  • Flexible terms for any life situation
  • Competitive rates

Rates & Fees

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: December 1, 2017. 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.