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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.
Youth Accounts
Start strong, save smart
From building savings to managing their first Checking Account, we’ve got options to help your child or student kickstart their financial savvy—no matter their age.
No monthly fees
No monthly fees
No monthly fees
Rates & Fees
Savings Accounts
Student Checking
Learning program
Achieve Financial Success Program
Empower your financial decisions with confidence.
Access free learning modules
Get guidance on homeownership and small business essentials
Build your financial foundation, including money management and investing
Special savings
Coverdell Education Savings Account
Plan for your child’s educational future with ease.
Contribute up to $2,000 per year
Anyone can deposit money to the account
Use for any qualified education expense, not just college
Savings Program
Shortcut to Savings Program
Grow Savings Effortlessly. We'll round up your Debit Card purchases and transfer the difference from your Checking to your Savings Account*.
It's free!
Easily save while you spend
Turn small change into big savings
Direct Deposit
Direct Deposit
Want Your Money Faster? Set up direct deposit with your employer and get your paycheck deposited directly into your Yolo Federal account.
Get paychecks right away
Choose one or more accounts
Have questions or ready to apply?
Apply Now
Schedule Appointment
What our members say:
Knowledge that gives you the power
Raising money-smart kids
In this blog, we’ve outlined three fun activities that can be adjusted for almost any age to help you teach your kids about money.
Achieve financial success
To help empower you to reach your goals and feel confident about your choices, we offer unlimited access to the Achieve Financial Success program.
Teach young children how to save
As children continue to grow, teaching them the skills necessary to save will create life-long money management habits.
Teaching kids financial literacy
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?
Raising money-smart kids
In this blog, we’ve outlined three fun activities that can be adjusted for almost any age to help you teach your kids about money.
Teach young children how to save
As children continue to grow, teaching them the skills necessary to save will create life-long money management habits.
Achieve financial success
To help empower you to reach your goals and feel confident about your choices, we offer unlimited access to the Achieve Financial Success program.
Teaching kids financial literacy
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
Is there a monthly fee for a Student Checking?
No, the account is free.
There is a $5 monthly fee to have your paper statements mailed to you. To avoid this fee, you can enroll in free eStatements. Members age 18 and younger are exempt from the paper statement fee.
How is Student Checking different than Simply Checking?
The Share Savings account minimum balances is waived with Student Checking until the account owner turns 23.
Can I open just a Checking account?
No, all Yolo FCU members are required to have a membership Savings Account. Joining Yolo FCU and opening a membership savings account allows you to access all the perks and benefits of credit union membership, including low rates on Auto Loans, convenient digital banking options, access to 30,000 CO-OP ATMs nationwide, and more!
How do I sign up for Shortcut to Savings?
Easily enroll your Account through Online Banking or at a branch. Once you're enrolled, we'll round up every debit purchase* to the nearest dollar. For example, if you spend $9.50 on a purchase, we'll transfer $0.50 from your Checking to your Savings.
Savings will be added together into one transaction amount and transfer from your Checking to savings the day after purchases were made.
Online & Mobile Banking
- Login and click on "Tools" (or click "More" then "Tools" from Mobile Banking)
- Select "Secure Forms"
- Complete the Shortcut to Savings form and submit
How do I set up Direct Deposit?
You can set up Direct Deposit through your employer. All you need to do is provide them our routing number (321178514) and your Checking Account number.
To get your Checking Account number (MICR), from Online or Mobile Banking.
- Login and select your Checking Account
- Select "Show Details"
- Use the number displayed under MICR Account Number
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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
To participate in the “Shortcut to Savings” program (Program) you must: (i) notify us through our website, by phone, email, or in person to opt-in; and (ii) have been issued a debit card. The Program rounds up each debit purchase transaction (Purchase) to the nearest dollar and transfers any amount in excess (Amount) from the checking account (Account) to a designated savings or sub-savings account (Savings). Each calendar day the Program requirements are met, the difference between the actual Purchase and the amount rounded up to the nearest dollar will be transferred to the Savings. If a Purchase is reversed, the transfer amount will still post to the Savings. If there are insufficient funds in the Account, the transfer will not be posted to Savings. Transfers to the Savings will show as a single transaction. The Amount is the sum of all transfers that occurred in the same calendar day. Example: a transaction of $25.17 would result in a transfer of $0.83 to the Savings. A subsequent transaction [that same day] of $26.01 would result in a transfer of $0.99 to the Savings. In the Account these transactions would be recorded as: (i) a transaction of $25.17; (ii) a subsequent transaction of $26.01; and (iii) a transfer Amount of $1.82 to the Savings. If transactions end in .00 cents the amount transferred will be $1.00.You may opt-out of the savings program anytime by notifying us by phone, email, or in person. Some restrictions may apply.
