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Yolo FCU Mobile

Finance

Free - On the App Store

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Yolo FCU Mobile

Finance

Free - On the App Store

What Is It?

Refinance and Save with Yolo County's Best

We’re Yolo County’s #1 Credit Union for a reason. With rates as low as 1.99% APR**, there’s no better place to refinance your Auto Loan. That’s why for a limited time, we’re offering a $100 Bonus* if we can’t beat your existing Auto Loan rate. The easiest challenge you’ll ever take. Are you up for it? Apply today!

Why Yolo Federal

  • Earn $100 Bonus* if we can't beat your existing Auto Loan rate
  • Rates as low as 1.99% APR**
  • Terms up to 72 months

Rates & Fees

Auto Refinance

Term in Months Min. Amount APR1 Payment Per $1,0002
Up to 24 Mo. N/A 1.99% $42.54
Up to 36 Mo. N/A 1.99% $28.64
37-48 Mo. N/A 1.99% $21.69
49-60 Mo. N/A 1.99% $17.52
61-72 Mo. $15,000 1.99% $14.75
73-84 Mo. $20,000 2.49% $12.98
85-120 Mo.3 $30,000 2.49% $9.42

**APR=Annual Percentage Rate. Final rate and term is based on creditworthiness. Some restrictions may apply. Payment on above rate financed for a term of 24 months at $1,000 equals $42.54. 100% financing available. Rates subject to change. Rate effective April 1, 2021.

1 Lowest rate shown. 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.

FAQs

  • How do I qualify for the Bonus*?
    1. You must get approved for a Yolo FCU Auto Loan refinance.
    2. Your Yolo FCU approved rate is higher than your existing rate from another lender.
    3. You must provide your existing lender’s loan statement with the rate.

    NOTE: You do not need to be a member to qualify for the Bonus*.

  • When should I expect to receive my Bonus*?

    Bonus* will be paid out within 30 days after the Promotional Period ends. Current members who qualify for the Bonus* will receive it as a deposit to their S1 Savings Account. Qualified nonmembers will receive their Bonus* by mailed check.

  • Are there any exclusions?

    All other Yolo FCU Loans, internal refinances, vehicle loans with a rate of 0%, and purchases do not qualify for the Bonus*.

Don't see the answer to your question?

  • *This is not a secured email. Please do not include sensitive personal/financial information in this form. If you would like to discuss account details, please include a phone number so we can contact you. Thank you!
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  • Disclosures

    *Yolo Federal Credit Union’s $100 Beat Your Rate Bonus (“Bonus”) is valid for a limited time only. Offer is valid March 1–April 30, 2021 (“Promotional Period”) and is subject to termination at any time. To receive the Bonus, the individual must: (1) have an existing Auto Loan at another lender; (2) apply with Yolo FCU to refinance a vehicle loan from another lender before the end of the Promotional Period; (3) be a Yolo FCU credit-approved applicant at a rate higher than their existing rate; and (4) provide their existing lender’s loan statement with rate. All other Yolo FCU Loans, internal refinances, vehicle loans with a rate of 0%, and purchases do not qualify for the Bonus. The Bonus will be credited to the S1 Savings Account for Yolo Federal members or a check will be mailed to non-members within 30 days after the Promotional Period. Non-members will be required to provide their full name, email, and mailing address. Employees and volunteers of Yolo FCU are ineligible for the bonus. Other restrictions may apply. Membership is available to anyone who lives, works, worships, or goes to school in Yolo County or has an immediate family member who is a current member. Some restrictions may apply. The value of the bonus is considered a taxable dividend and it will be reported on IRS Form 1099-INT.

    To establish membership they must deposit $1 in their S1 Savings Account. To avoid the monthly service fee, if over age 22, they must: maintain a minimum of $100 in their S1 Savings Account, have Direct Deposit, or aggregate deposits and loans of $5,000 or more; otherwise a $5 fee applies. Minimum Savings balance to earn dividends is $0 and Annual Percentage Yield (APY) is 0.03%. APY effective March 1, 2021. Some restrictions apply. The APY is subject to change at any time.

    **APR=Annual Percentage Rate. Final rate and term is based on creditworthiness. Some restrictions may apply. Payment on above rate financed for a term of 24 months at $1,000 equals $42.54. 100% financing available. Rates subject to change. Rate effective March 1, 2021.

New Mobile App for iPhone users

To meet Apple’s requirements, we've updated our Mobile App for iPhone users. Please visit the App Store and download the update. You may be prompted to log in manually and re-enable Touch or FaceID. If you have any questions, contact a Yolo Federal representative.

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