Savings or Share Certificate (CD) Secured Loans - Yolo Federal Credit Union Skip to main content

Yolo FCU Mobile


Free - On the App Store


Yolo FCU Mobile


Free - On the App Store

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 Rate* Payment per
Signature Up to 93 Mo. $20,000 8.24% – 16.24% 8.24% – 16.24% $14.58 - $18.97
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 120 Mo. $35,000 as low as 6.50% as low as 6.50% $11.35

Effective Date: June 1, 2024. The APR is accurate as of the effective date. Rates subject to change at any time.

*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.

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.

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.

Fraud—Protect Yourself

We proactively work to protect members against fraud. All of our Debit and Credit Cards come with ID Navigator through NortonLifeLock™ to help protect you against identity theft. If you suspect fraud or have questions, please call, schedule an appointment, or click on Let's chat! to speak with a Yolo FCU representative.

Learn More