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You are leaving the Yolo Federal Credit Union website. Yolo Federal Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. These external websites are not controlled by Yolo Federal Credit Union and Yolo Federal Credit Union makes no representation or warranty, express or implied, to the user concerning the information, content, presentation, accuracy or opinion of these sites or the quality, safety, or suitability of any software found on these sites. The privacy policies of Yolo Federal Credit Union do not apply to external sites and users should consult the privacy policies on these sites for further information. Thank you for visiting the Yolo Federal Credit Union website..
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.
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Cut Ties With Debt
The client want to see this result - From now through March, 31, 2025, you may qualify for a 0.50% rate discount* when you transfer at least $500 in debt from another financial institution.
Signature Loans
Get a fresh start
Managing your debt just got easier.
Signature Loan
Rates as low as
8.24
APR
8.24
Signature Loans
Need a little wiggle room? Whether you're covering unexpected bills, funding a vacation, or consolidating debt—you can do it all with one monthly payment. Our simple, straightforward application means you can trust there won't be any hidden fees or surprises. That's unfiltered banking.
Highlights
Fixed, low monthly payments
Quick access to funds
Fixed, low monthly payments
Flexible borrowing options
Quick access to funds
Rates & Fees
Signature Loan
Loan type
Term
Max amount
Rate as low as
APR*
Minimum payment
Signature Loan
Up to 93 Mo.
$20,000
8.24%
8.24%
$14.58
Disclosure
*APR=Annual Percentage Rate. Effective Date: September 1, 2024. The APR is accurate as of the effective date. Rates subject to change at any time.
†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 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. Effective Date: December 1, 2024. The APR is accurate as of the effective date. Rates subject to change at any time.
Some restrictions apply.
Loan calculator
Total payments
Total interest
Number of payments
Exclusive Healthcare & First Responder Offer
At Yolo Federal, we believe in giving back to those who serve our community. To show our appreciation, we're offering a 0.25% discount on select Consumer Loan products for healthcare and first responder professionals. Your service and dedication inspire us every day.
Exclusive 0.25% rate discount for healthcare & first responder professionals
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Voted #1 best credit union by members
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5 star service promise
Exclusive offer
Ready to apply or have questions?
Apply Now
Schedule Appointment
What our members say:
Knowledge that gives you the power
Achieve your important 2024 financial goals
As your financial partner, we’re here to provide you with the tools, resources, and information to help you achieve your goals.
Financial education = financial success
We decided to explore how financially savvy Americans are, and we discovered there is some room for improvement.
Financial resolutions and you
When it comes to financial resolutions, ultimately, all questions lead you down to a singular path. The B-word: Budgeting.
The resolution train
How can we expect adults to have good money management habits if they are never given the opportunity to learn them before they are thrust into adult life?
Achieve your important 2024 financial goals
As your financial partner, we’re here to provide you with the tools, resources, and information to help you achieve your goals.
Financial resolutions and you
When it comes to financial resolutions, ultimately, all questions lead you down to a singular path. The B-word: Budgeting.
Financial education = financial success
We decided to explore how financially savvy Americans are, and we discovered there is some room for improvement.
The resolution train
How can we expect adults to have good money management habits if they are never given the opportunity to learn them before they are thrust into adult life?
Frequently asked questions
What can a Signature Loan be used for?
A Signature Loan can be used for debt consolidation and other expenses such as paying for an emergency or when you need extra cash.
Why is a Signature Loan a good option to pay off debt?
A Signature Loan is a closed-end loan. This means you borrow a fixed amount of money upfront and repay it over a period of time with fixed monthly payments. With a Signature Loan, you could pay off high-rate debt by consolidating it into one monthly payment.
Who qualifies for the Healthcare First Responder offer?
Individuals employed as a nurse, doctor, firefighter, police officer, paramedic, or support professional in the first responder or healthcare system. To receive the discount, first responders or healthcare professionals must provide proof of employment such as Paystub, ID badge, etc.
Are there any exclusions for the Healthcare First Responder offer?
Offer cannot be combined with any other offer
- Excludes refinances of existing Yolo Federal Loans
- Loans completed before or after the promotional period
- All variable rate loans and lines of credit, including credit cards and HELOCs
- All Business Loans
Ready to apply?
It only takes a few minutes.
Schedule Appointment
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.
Disclosures
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. Subject to change at any time.
*The Yolo Federal Credit Union Debt Consolidation Rate Discount (“Offer”) of 0.50% is valid February 10 to March 31, 2025 (“Promotional Period”). To qualify for the Offer, members must (1) apply and be approved for a Signature Loan, (2) transfer at least $500 from another financial institution during the Promotional Period. Internal balance transfers are excluded. Can not be combined with another offer. Membership is open to those who live, work, worship, or attend school in Yolo, Sacramento, El Dorado, or Placer County, or have an immediate family member who is a current member. Subject to approval. Restrictions may apply.
