Credit union · NCUA insured
Yolo Federal Credit Union Auto Loan Rates
Yolo Federal Credit Union auto loans start at 3.84% APR for a new vehicle and 3.84% for a used one. Rates checked October 16, 2026.
How Yolo Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Sacramento, CA, where Yolo Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Yolo Federal Credit Union
3.84%APR
- Terms
- —
- Up to
- —
New & Used Auto Loans
2nd-lowest rate
Firefighters First Credit Union
4.49%APR
- Terms
- up to 60 months
- Up to
- —
3rd-lowest rate
PostCity Financial Credit Union
4.49%APR
- Terms
- up to 84 months
- Up to
- 14.79% APR
Yolo Federal Credit Union auto loan score
97
Auto loan score
Higher than 99% of U.S. banks and credit unions
- New vehicleNew3.84%
- Used vehicleUsed3.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Yolo Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
First Time Auto Buyer Program
Must be a Yolo Federal member in good standing with an active Checking Account open for at least 3 months. Requires minimum 6 months at current job with proof of income. No derogatory credit history or prior auto loan allowed. Financing available for up to 90% of purchase price or value (whichever is less) with minimum $500 cash or 10% down payment (whichever is more).
| Terms | APR | Conditions |
|---|---|---|
| — | 3.84% | Rate is advertised as low as 3.84% APR. Up to 90% financing. |
New & Used Auto Loans
Membership required (live, work, worship, or attend school in Yolo, Sacramento, Placer, or El Dorado counties). Vehicles must be registered in California. A 0.30% rate discount is available for qualifying green vehicles (electric/hybrid meeting IRS guidelines). A 0.25% rate discount is available for qualifying healthcare and first responder professionals.
| Terms | APR | Conditions |
|---|---|---|
| — | 3.84% | Rate is advertised as low as 3.84% APR. |
Who can join Yolo Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Yolo, Sacramento, Placer, or El Dorado counties.
Membership information collected October 5, 2026.