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To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.
To apply for a Home Loan, 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 in Yolo, Sacramento, Placer, or El Dorado counties.
To apply for a Home Loan, 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.
Personal Loans
Cash when you need it, no strings attached.
Flexible loans with low rates and no gimmicks—because borrowing should be simple.
Call-4-Cash Rate
15.00
APR*
Flexible Loan Options
Flexible Loan Options
Call-4-Cash Rate
15.00
APR*
Flexible Loan Options
Low monthly payments
Flexible terms for any life situation
Flexible terms for any life situation
Competitive rates
Competitive rates
Competitive rates
Low monthly payments
Flexible terms for any life situation
Flexible terms for any life situation
Competitive rates
Competitive rates
Competitive rates
Military Personnel or Federal Employees
Flexible terms for any life situation
0% APR*
No payment until you're paid
No payment until you're paid
No payment until you're paid
Rates & Fees
Call-4-Cash
CD Secured
Share Secured
Loan Calculator
Total payments
Total interest
Number of payments
Have questions or ready to apply?
What our members say:
“Friendly and listened to our needs”
Karie Carranza
“This was the easiest and most convenient loan process we've ever experienced … Yolo FCU will be recommended to all our friends and family. You are the best!”
Christine Mendes
“We love banking at Yolo Federal. The products can't be beaten!”
Laurie Richardson
Yolo FCU Member
Knowledge that gives you the power
The Resolution Train
Maintaining your resolution can be hard. To help, we’ve put together a list of our top 5 tips.
Balancing FOMO and Your Budget
In this blog, we outline three steps you can take to overcome that FOMO feeling.
Budgeting: Pay Yourself First
Most budgets focus on expenses. However, the pay yourself first method (aka reverse budget) prioritizes savings goals before expenses.
Financial Education = Financial Success
How can we increase our confidence when making financial decisions? With financial education, of course.
The Resolution Train
Maintaining your resolution can be hard. To help, we’ve put together a list of our top 5 tips.
Budgeting: Pay Yourself First
Most budgets focus on expenses. However, the pay yourself first method (aka reverse budget) prioritizes savings goals before expenses.
Balancing FOMO and Your Budget
In this blog, we outline three steps you can take to overcome that FOMO feeling.
Financial Education = Financial Success
How can we increase our confidence when making financial decisions? With financial education, of course.
Frequently asked questions
How do I apply for Call-4-Cash?
Schedule an appointment or call to get started.
What is the minimum deposit to open a Share Certificate?
The minimum deposit to open a Share Certificate is $500.
Is there a difference between a Share Certificate and a Certificate of Deposit?
No, Share Certificate is simply the name used by credit unions. The two accounts work exactly the same way.
Who qualifies for the Budget Impasse Loan?
To qualify for the loan, you must be either Military Personnel or a Federal Employee.
What is the maximum loan amount?
You are eligible to receive up to the amount received indirect deposit or payroll deduction to your Yolo Federal account for one pay period.
How do I pay my Budget Impasse Loan?
The loan will be automatically repaid when direct deposit is received.
Ready to apply?
Have questions? We are here to help.
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Meet Penny! Your virtual assistant, here to help you 24/7:
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Call us:
Toll Free:
(877) YOLOFCU (965-6328)Mon-Fri 10am-5pm
Sat 10am-2pm
Sat 10am-2pm
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Skip the line, schedule appointment:
Meet us at one of our branches or schedule a call
Everyone who lives, works, worships, or attends school in Yolo,
Sacramento, Placer, or El Dorado counties is eligible for membership.
Sacramento, Placer, or El Dorado counties is eligible for membership.
Everyone who lives, works, worships, or attends school in Yolo, Sacramento, Placer, or El Dorado counties is eligible for membership.
Disclosure
†The discounted rate of 0% will be in effect until payroll resumes. If the loan is not paid in full once payroll resumes, the APR will revert to the standard rate of 17.90%. Monthly payment on the 17.9% rate for a term of 32 months at $2,000 equals $78. Rates subject to change. Members must be a Federal employee or Military personnel to be eligible for discounted rate. Members must be in good standing with direct deposit/payroll deduction with Yolo Federal. Credit qualifications apply to new members and existing members with no previous loan history or direct deposit with Yolo Federal. Some restrictions may apply.
