Login Locations

First Mortgages

Home is where the loan is – and our mortgage loans with First Heritage Financial, LLP can help get you there. Whether you’re buying, building or looking to refinancing your existing mortgage, we have a solution for you.

Apply Now
Portrait Of Multi Cultural Couple Outdoors On Moving Day Holding Keys To New Home

Mortgage Loan Services

We offer an array of mortgage loan options to help make your housing goals a reality.

Young African American couple happily shake real estate agent's hand in office.

Get your loan questions answered personally.

Our staff are here to help you with every step of the loan process. For questions and consultation, schedule an appointment to meet with a YEFCU loan officer to explore your options. You can reach our First Heritage representative Christopher Carver directly at 800-808-2662 ext. 52449 or ccarver@firstheritage.org 

Our members are raving about YEFCU!

“It was a pleasure working with the loan officer, Rose, at YEFCU in getting a loan for an inexpensive used 2nd car I needed. Rose was highly professional and very patient in answering my questions as she provided many different options for the loan term-length and percent financed and how these various options affected the monthly payment. I applied on a Thursday morning and the funds were available – to the dealer I purchased from – on the next day, Friday morning.It was a smooth and pleasant experience working with Rose. ”

– David K.

“The ladies out front…are very helpful and do everything to make you comfortable and help solve all your problems in a professional way. Mrs. Tammy and Mrs. Rose are the bomb at getting your loans and collections as good as they can be to help things stay affordable and help get your credit right.”

– Natalie B.

“I can't thank (Tammy) enough for all of your effort and hard work in making this loan happen. Beyond that, thank you for recommending this based on what you saw on my credit report. I appreciate the heads up so much. You work fast!!! We will certainly reach out in the future if the need should arise. ”

– Jennifer

“We recently switched our Mastercard from a big institution to a Visa from YEFCU. We worked with Rose and she was top-notch. I could speak with an actual person who genuinely seemed to care about the best decision for us. The interest rate at YEFCU was SO much lower than the Mastercard from the big bank. We are extremely happy with our service from Rose and are happy that we can call or visit our local YEFCU with any matters. Thank you, YEFCU!”

– Amy

“Customer service is a priority at YEFCU! Respect, attention to detail, and a friendly smile are all part of the package. A most wonderful environment!”

– Anthony F.

Member Resources

Financial Calculator

Looking for a loan that won’t break the bank? Our financial calculator can help you estimate your payments through specified interest rates, down payments and timelines.

Financial Calculators


Offset financial risk with insurance done the credit union way. TruStage offers programs for life insurance, GAP car insurance, debt protection and more.


Online Banking

Did you know that members can apply for loans through our Online and Mobile Banking applications? Log into your YEFCU account below to get started!

Online Banking

Lending Rates

Because YEFCU is a non-profit organization, our profits are returned back to our members in the form of fewer fees, higher dividends and lower lending rates.

Lending Rates

The first step of your financial journey is just a click away.

Contact Us

You Are Leaving Our Website

YEFCU’s website offers links to a variety of sites maintained by third parties. In accessing these sites, you are leaving the YEFCU website. These links are offered only for use at your own discretion.

Please be advised that you are leaving YEFCU’s website. This link is provided as a courtesy. We do not endorse or control the content of third party websites.