Are you buying a car, or refinancing a current loan?
Buying a car.
Do you have enough for a down payment?
Yes
Great. When purchasing a vehicle, a down payment can help with financing. Is this your first time buying a car?
Yes
Congratulations! You may be interested in our First Time Auto Buyers Program. It lets you purchase a car even without an extensive credit history.
No
Do you plan to go straight to the dealer?
Yes
If that’s the case, we think you’ll love our Credit Union Direct Lending (CUDL) program. We can get you pre-approved up to a certain amount, so you can make a purchase decision right at the dealership.
No
Sounds good. Come talk to us and we can get you a great loan for a New or Used vehicle.
No
That’s okay, we’re here to help! We offer up to 130% financing for New and Used vehicles.
Refinancing.
Awesome! We want to help you with that. We’ve helped many people lower their monthly payments, their overall interest rate, or take cash out to pay off other debt.
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To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.
To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office.
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Branch Closure
As part of our commitment to delivering an exceptional member experience, we will be closed on Saturday, March 15, 2025, for staff training. While we're closed, you can access your accounts at our ITMs or through Online Banking.