What Is It?
Buy or Refi and Save with Yolo County's Best
Getting new wheels or love the ones you’ve got? With some of the lowest rates in Yolo County, our Auto Loans are perfect whether you’re getting in the driver’s seat of your next car or are looking to refinance your current one to lower your monthly payment. We’re here to help you keep more of your money each month.
Why Yolo Federal
Road Tripping Made Easy
- Members have saved $2,000† on average by refinancing
- GAP insurance available for extra peace of mind
- Rate discounts on hybrid and electric vehicles
- Achieve Learning: Buying Your First Car
Rates & Fees
| Loan Type | Term in months | Minimum Amount | Rate as low as | APR1 | Payment per $1,0002 |
|---|---|---|---|---|---|
| New Auto | Up to 24 Mo. | N/A | 1.75% | 1.75% | $42.43 |
| Up to 36 Mo. | N/A | 2.49% | 2.49% | $28.86 | |
| 37-48 Mo. | N/A | 2.79% | 2.79% | $22.04 | |
| 49-60 Mo. | N/A | 3.00% | 3.00% | $17.97 | |
| 61-72 Mo. | $15,000 | 3.29% | 3.29% | $15.32 | |
| 73-84 Mo. | $20,000 | 3.39% | 3.39% | $13.39 | |
| 85-120 Mo. 3 | $30,000 | 3.39% | 3.39% | $9.84 | |
| Used Auto | Up to 24 Mo. | N/A | 1.75% | 1.75% | $42.43 |
| Up to 36 Mo. | N/A | 2.49% | 2.49% | $28.86 | |
| 37-48 Mo. | N/A | 2.79% | 2.79% | $22.04 | |
| 49-60 Mo | N/A | 3.00% | 3.00% | $17.97 | |
| 61-72 Mo. | $15,000 | 3.29% | 3.29% | $15.32 | |
| 73-84 Mo. | $20,000 | 3.39% | 3.39% | $13.39 | |
| 85-120 Mo.3 | $30,000 | 3.39% | 3.39% | $9.84 |
APR=Annual Percentage Rate. 100% financing available. Effective Date: August 1, 2022. The APR is accurate as of the effective date. Rates subject to change at any time.
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 vehicle 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.
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Disclosures
†Average savings calculated based on loans refinanced 3/1/21-6/5/21. Savings is not guaranteed.