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What Is It?
Energy Saver Loan from Yolo Federal
Protecting the environment doesn’t have to be its own reward. If you are installing solar panels, upgrading to energy-efficient appliances, or making another green-friendly change, you could be eligible for a special loan.
Why Yolo Federal
Make a change that matters
- Reduce your environmental impact
- Let your home reflect your values
- Save big with competitive rates
Rates & Fees
| Loan Type | Term | Max amount | Rate | Annual Percentage Yield* |
Payment per $1,000† |
|---|---|---|---|---|---|
| Signature | Up to 93 Mo. | $20,000 | 17.90% | 17.90% | $19.95 |
| Share Secured | Up to 60 Mo. | 95% of available deposit | 5.00% | 5.00% | $18.87 |
| Share Secured | 60-120 Mo. | 95% of available deposit | 6.00% | 6.00% | $11.10 |
| CD Secured | Maturity of CD | 80% of available deposit | 3% above CD rate | 3% above CD rate | Varies |
| Energy Saver | Up to 120 Mo. | $35,000 | 6.99% | 6.99% | $11.61 |
Effective Date: August 1, 2019. The APR is accurate as of the effective date.
*Based on loan balance of $10,000 or minimum amount required for term.
†Payment per $1,000 is based on the minimum APR reflected at the maximum term available in range.
Rates, Financing Amount and Terms: Some restrictions apply. 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.
FAQs
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How do I apply for an Energy Saver loan?
You can stop into any branch, or give us a call at (530) 668-2700.
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I don't have the home equity to qualify for a HELOC. Can I still apply for this loan?
Yes. It may be a good alternative if you are not eligible for a HELOC.