Yolo Credit Union W Sacramento CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Yolo Credit Union, your trusted financial partner since 1954! Located at 2240 Lake Washington Blvd Ste 100, W Sacramento, CA 95691, we are dedicated to serving our community with personalized banking solutions tailored to meet your needs. With a strong membership base of over 22,212 members and total assets reaching an impressive $412,370,780, we pride ourselves on being a reliable resource for financial growth and stability. At Yolo Credit Union, our commitment goes beyond just numbers. We believe in building lasting relationships with our members and contributing positively to the community we serve. Whether you're looking for auto loans, personal banking services, or business loans, our friendly team is here to help you navigate your options with ease. Our CEO, Jenee Rawlings, along with Board President William Schemel, leads a dedicated staff of 72 employees, all focused on providing exceptional service and fostering a welcoming environment. We understand that your financial journey is unique, which is why we offer various services including checking and savings accounts, mortgage loans, and credit cards with rewards. While you can visit us at our branch for any inquiries or assistance, please note that official correspondence should be sent to our mailing address: PO Box 657, Woodland, CA 95776. Ready to take the next step in your financial journey? Give us a call at (916) 371-6179 or visit our website at www.yolofcu.org to explore how we can support you today!

Branch History & Mission

Welcome to Yolo, a proud credit union that has been serving the community of West Sacramento, California, since 1954. With a rich history spanning over six decades, we have built our reputation on trust, transparency, and a commitment to our members. Our branch is located at 2240 Lake Washington Blvd Ste 100, W Sacramento, CA 95691, a convenient spot where we invite you to experience our personalized financial services. Over the years, Yolo has grown significantly. We currently serve over 22,212 members and manage $412,370,780 in total assets. This growth reflects our dedication to providing exceptional banking experiences tailored to the needs of our community. Our mission is simple yet powerful: to empower individuals and families through accessible financial services while fostering a spirit of community support and engagement. At Yolo, we believe in the importance of giving back. Our initiatives include partnerships with local organizations and outreach programs designed to uplift those in need. We understand that when our community thrives, we all benefit. While members can visit us at our physical location for face-to-face assistance during our operating hours Monday through Friday from 10:00 AM to 6:00 PM and Saturday from 10:00 AM to 2:00 PM we also embrace technology to enhance convenience. Our digital banking options allow members to manage their accounts online or via mobile applications easily. Our branch offers ATM availability for quick cash withdrawals and balance checks. Although we do not have drive-thru services or shared service centers, we are committed to ensuring your banking experience is efficient and user-friendly. For any official correspondence, please send it to PO Box 657, Woodland, CA 95776. If you have questions or need assistance, feel free to reach us at 916-371-6179. Join us at Yolo and discover how we can help you achieve your financial goals while being part of a supportive community network. Experience the difference today!

Branch Location & Accessibility

Convenient Access

Getting to our branch is straightforward, with ample parking available right outside for your convenience. We are committed to ensuring that all members can easily visit us. Our facility is designed with accessibility in mind, featuring ramps and ADA-compliant entrances so everyone can navigate their banking needs comfortably.

Operating Hours

At Yolo Credit Union, we understand that your time is valuable. That's why we offer flexible operating hours to serve you better. We're open Monday through Friday from 10:00 AM to 6:00 PM, and on Saturdays from 10:00 AM to 2:00 PM. Whether you prefer to drop by during your lunch break or need some weekend assistance, we're here for you.

Services Offered

Our West Sac branch is equipped to handle a variety of banking services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got something for everyone. Plus, our ATM is available for quick cash withdrawals and balance checks whenever you need it. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address at PO Box 657, Woodland, CA 95776. If you have any questions or need assistance, don't hesitate to give us a call at 916-371-6179. We look forward to welcoming you into our community and helping you achieve your financial goals!

Member Eligibility

At Yolo, we believe that everyone deserves a chance to be part of a welcoming financial community. Becoming a member at our branch is straightforward and open to anyone who lives, works, or worships in the area, as well as those related to existing members. This means that if you're connected to us in any way, you can enjoy all the benefits we offer, from competitive rates on loans to personalized financial guidance. To learn more about the specific eligibility requirements, feel free to check out our detailed information at this link. Once you confirm your eligibility, opening an account is a breeze! Just visit us at 2240 Lake Washington Blvd Ste 100, W Sacramento, CA 95691, or reach out by calling us at 916-371-6179. We're here to help you every step of the way. Whether you have questions or need assistance with the application process, our friendly team is ready to assist you. Join us today and experience the difference of being part of Yolo!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine being able to process payments seamlessly while focusing on what you do best running your business. Our merchant services offer just that, allowing you to accept various payment methods securely and efficiently. Whether you're a small café or a large retail store, our services are designed to enhance customer satisfaction and improve cash flow. Explore the potential of your business with Yolo at 2240 Lake Washington Blvd Ste 100 W Sacramento Ca 95691. Let us be your partner in success! For more information, call us at (916) 371-6179.

Supporting Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $18 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $12,393,859, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility

At Yolo, we prioritize making banking accessible for everyone. You can reach us at 916-371-6179 during our lobby hours from Monday through Friday from 10:00 AM to 6:00 PM and Saturday from 10:00 AM to 2:00 PM. Whether it's face-to-face support or digital assistance, we're here for you. In conclusion, Yolo is more than just a credit union; we are your partner in achieving financial well-being. Explore all that we have to offer by visiting us online at Yolo Credit Union or stop by our branch in W Sacramento today! Your financial journey starts here!

Business Banking

We also cater to local businesses with our business banking services, including merchant services and business loans designed to help your enterprise grow. Whether you're just starting out or looking for ways to expand, we have the tools and resources necessary for success.

Digital Banking Convenience

In today's fast-paced world, having access to your accounts anytime and anywhere is crucial. That's why we offer robust online and mobile banking features. With just a few taps on your smartphone or clicks on your computer, you can check balances, transfer money, or pay bills without needing to visit the branch. Our ATM services allow for easy cash withdrawals and balance checks whenever you need them.

Personal Banking

Starting with personal banking, we offer a variety of checking and savings accounts tailored to fit different lifestyles. Imagine having easy access to your funds while also earning interest on your savings this is what our accounts provide. For those considering a new vehicle, our auto loans and vehicle financing options make purchasing a car straightforward and affordable. With competitive rates, you can drive away knowing you made a smart financial decision. If you're thinking about buying a home or refinancing an existing mortgage, our mortgage loans and refinancing services are here to guide you through the process. We understand that this is a significant step, so we work diligently to ensure everything goes smoothly from start to finish. For unexpected expenses or consolidating debt, our personal loans offer flexible solutions to meet your needs without adding stress to your finances. Plus, with credit cards that come with rewards, every purchase can help you earn points for future benefits it's like getting rewarded for spending wisely!

Digital & Online Banking

Key Features for Easy Banking

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. Plus, you can enjoy the peace of mind that comes with electronic signature authorization, making it simple to sign documents securely from the comfort of your home. We also provide e-statements to keep track of your transactions without the clutter of paper statements. For those who are always on the go, our mobile application is here to help! You can manage your accounts right from your smartphone, whether it's checking balances or making payments. With our mobile payments feature, you can pay for purchases quickly and easily without needing cash or cards.

Stay Connected with Friends and Family

Want to send money to a friend? Our person-to-person transfer service makes it hassle-free! Just a few taps on your phone or computer can help you share money in real-time perfect for splitting bills or sending gifts. At Yolo, we prioritize not only convenience but also security. Our digital banking services are designed with robust security measures to keep your information safe while giving you the freedom to handle your finances at any hour. With all these features wrapped up in an easy-to-use interface, managing your finances has never been simpler. Join us today and experience the future of banking with Yolo!

Financial Strength

Member Trust

Total Share and Deposit Accounts stand at 51,504, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $977,411. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Yolo is your trusted partner. Visit us at 2240 Lake Washington Blvd Ste 100 W Sacramento Ca 95691 or call (916) 371-6179 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 72 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $48,572,788 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is robust; with $2,764 in used auto loans and $263,852,040 in total loans and leases, we support members' financial goals across various sectors.

Secure Savings Options

Members' savings are secured through $48,827,017 in share certificates and $42,380,954 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $994,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $48,984,792, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,187 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $51,908,120 in used vehicle loans and $44,886,148 in new vehicle loans already helping members get on the road. We provide competitive financing options that cater to both new and used vehicles, ensuring you can find something that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $12,393,859 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our tailored solutions can support your business ambitions.

Credit Lines

Additionally, we provide personal lines of credit with a total value of $88,125,768, giving you access to funds when you need them most. This flexibility can be crucial for managing unexpected expenses or funding special projects without the burden of high-interest rates. At Yolo, we're committed to transparency and ease of access for all our members. If you're interested in exploring refinancing options or checking your eligibility for any of our loan products, don't hesitate to ask our knowledgeable staff during your visit or call us directly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to join us in achieving your financial aspirations let's work together towards a brighter future!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $35,998,326, make buying or refinancing simple. We prioritize making the process as smooth as possible, allowing you to focus on finding your ideal home rather than worrying about finances.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,346,001 in loans helping members manage their finances effectively. These credit cards come with various benefits to suit your spending habits while helping you build or maintain a healthy credit score.

Loan Aggregator

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Ensuring Accurate Comparisons

LendMesh prioritizes transparency and accuracy in its loan comparisons. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment ensures that users receive fair and transparent offers tailored to their needs.

YOLO FEDERAL CREDIT UNION