Intro – Top Rated Credit Union
AdvisoryHQ recently reviewed the top credit unions in Sacramento, CA. Each credit union that was reviewed demonstrates an excellence in quality, provides exceptional service, offers a wide-range of products, and affords a high-level of convenience to its customers.
Included in this list is Yolo Federal Credit Union.
Below we have provided a detailed review of Yolo Federal Credit Union and the specific factors we used in our decision-making process.
Yolo Federal Credit Union Review
Yolo Federal Credit Union has been one of the premier credit unions in Yolo County since 1954. Yolo has a West Sacramento branch and also offers access to other Sacramento credit union locations. This credit union was originally founded by a group of Yolo County employees, and its core focus has continually remained on people helping people.
Image Source: Yolo Federal Credit Union
Some of the promises Yolo makes to its members include helping to achieve financial success and build wealth while providing service that’s competent and delivered with a sense of urgency.
Key Factors That Led Us to Rank This Credit Union as a Top 8 2016 Credit Union in Sacramento
Listed below are some of the primary reasons Yolo was selected as one of the best credit unions in the Sacramento area.
Rewards Program
A signature offering available from Yolo, one of the top credit unions in the Sacramento, CA area, is their rewards program. Members are automatically enrolled in the Yolo awards program when they meet or exceed certain levels.
To become a Platinum member, requirements include a $25,000 aggregate loan balance or daily aggregate deposit balance.
Gold members must have a $15,000 daily total loan balance or deposit balance, and Silver members are required to maintain a $10,000 daily aggregate loan balance or deposit balance.
For Bronze membership, participants must have a $5,000 daily total loan balance or deposit balance.
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Online Banking and Bill Payment
Yolo offers one of the top Metro Sacramento credit union online banking platforms. Along with being secure, the online banking services from Yolo include the ability to transfer funds between joint accounts, as well as to other Yolo accounts and accounts at other outside institutions.
Online banking users can request a stop payment on a check, set up customized account alerts, view cleared check images, and see their transaction history.
Uniquely, online users can also download their transactions and account information to money management programs including Microsoft Money, QuickBooks, or Quicken.
With online bill payment options, members of Yolo Federal Credit Union can pay bills anytime and anywhere, scheduling them up to a year in advance.
Business and Pension Services
As a leading Sacramento credit union, Yolo offers not only personal banking products and services; they also feature a full selection of options targeted to the needs of businesses.
Along with deposit products, there is also the Simplified Employee Pension program availability. With the SEP program, members enjoy an affordable alternative to a 401(k) plan that can be used by employers and their employees.
If a member is covered, contributions can be accepted through a Yolo personal membership.
Low-Interest Credit Cards
Yolo Federal Credit Union offers several convenient, low fee, and low-interest rate credit cards designed to meet many financial and spending needs.
- The VisaClassic card offers limits starting at $100 and includes low fixed rates, no annual fee, zero cash advance fees, and zero liability for fraudulent purchases. It also includes $150,000 in travel insurance, emergency card replacement, and an auto collision waiver.
- The VisaGold card features limits starting at $5,000 along with competitive variable rates. This card carries no annual fee and zero cash advance fees, as well as zero liability protection and a $300,000 travel insurance policy.
- The VisaPlatinum card has limits also starting at $5,000, a low introductory rate, and perks such as no balance transfer fees and 1% cash back. This premier Visa card includes $10,000 hotel and motel burglary coverage, $1,250 lost luggage reimbursement, and emergency medical and dental coverage.
All credit card options from Yolo include Verified by Visa, which is a way to add more safety to online purchases made using an eligible Visa card.
To browse exclusive reviews of all top rated credit unions in Sacramento, please click on any of the links below.
- C.A.H.P. Credit Union
- California Community Credit Union
- First U.S. Community Credit Union
- Patelco Credit Union
- Sacramento Credit Union
- SAFE Credit Union
- The Golden 1 Credit Union
- Yolo Federal Credit Union
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