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Yolo Credit Union

Overview
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Yolo Credit Union is a federal credit union based in Woodland, California. It has been opened since 1954, for 66 years.

With around $289,850,000 in assets, Yolo Credit Union is considered to be a very large credit union. It has 5 branches and 5 ATM locations.

About
Address Po Box 657
Woodland, California 95776
Website http://www.yolofcu.org
Phone (530) 668-2700
Fax (530) 668-0969
CEO Jenee Rawlings
President of the Board William Schemel
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
19,431 members
Membership type: Community credit union
Above average number of members
316:1
Credit union member to staff ratio
316 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$289,846,755
Total assets
Above average
5 branches
Compared with an average of 4 nationally and 5 in California
Above average number of branches
0.03%
Savings interest rate
Compared to 0.3% nationally
13.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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5 branches
Compared with an average of 4 nationally and 5 in California
Above average number of branches
Yolo Credit Union Branch Locations

Yolo Credit Union: Davis
501 G. Street
Davis, California 95616
ATM Available
Yolo Credit Union: Woodland
266 W. Main Street
Woodland, California 95695
ATM Available
Yolo Credit Union: Sycamore
465 Pioneer Avenue
Woodland, California 95776
ATM Available
Yolo Credit Union: Winters
168 E. Grant Avenue
Winters, California 95694
ATM Available
Yolo Credit Union: West Sac
2240 Lake Washington Boulevard Suite 100
W. Sacramento, California 95691
ATM Available
Members
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19,431 members
Membership type: Community credit union
Above average number of members

With 19,431 members, the Yolo Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 81% of credit unions.

Fees
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$103
Average fee per member
The average fee per member at the Yolo Credit Union is $103, which is very high compared to most credit unions. This rate is higher than 86% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Yolo Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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316:1
Credit union member to staff ratio
316 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
62 staff members
FTE (full-time equivalent)
5% of employees are part-time
60 full-time, 3 part-time

Yolo Credit Union has 60 full-time staff members and 3 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 95% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Yolo Credit Union has around 316 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$289,846,755
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
12.1%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$27,812
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 96% of credit unions.

Yolo Credit Union holds a total of $215,400,000 in loans and leases, which is about $27,812 per member on average.

Savings interest rate
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0.03%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Yolo Credit Union pays 0.03%.

Loan rates
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13.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
13.25%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.99%
New car loan rate
Compared to 4.0% nationally
4.49%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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