Notice: We are currently experiencing intermittent connectivity issues.  Online Banking and Mobile Banking are currently unavailable. Thank you for your patience as we work diligently to resolve this issue.
Notice: Campbell Branch is currently closed due to building maintenance. We apologize for the inconvenience and appreciate your understanding.
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Notice: Our Gilroy branch is currently experiencing intermittent connectivity issues. Thank you for your patience as we work diligently to resolve this issue.
System Maintenance: On Saturday, June 8th, we’ll be performing a scheduled maintenance starting at 9 p.m. PST and ending at 4 a.m. PST on Sunday, June 9th. During this time, Online, Mobile, and Phone Banking will not be available. Thank you for your patience as we update our systems to better serve you.
We’re experiencing technical difficulties with our phone system. We apologize for the inconvenience.
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County Federal will never call, email or text you to ask for information. Questions? Dial us directly at 800-282-6212 - we’re happy to help.
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All County Federal offices and branches will be closed on July 4th, in observance of Independence Day.
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Are you impacted by the severe weather? Contact us today to apply for our Emergency Relief Loan.

5 Auto Loan Tips for First-Time Car Buyers

couple looking at new car in showroom

5 Auto Loan Tips for First-Time Car Buyers

Buying your first car is an exciting time. Besides driving around town in a new set of wheels, a car purchase is a great way for anyone to start establishing their credit by paying off an auto loan. Did you know that each month you make your payments on-time, it helps your credit score? Many first-time car buyers are unaware of how to approach their first auto loan. Here are 5 tips to get you started.

  1. Know Your Total Budget
    Before you start looking for a car, the first thing you should do is determine your overall budget. How much are you willing to spend? This number should account for any dealer fees and taxes you might encounter beyond the sticker price. That way you only shop for what you can afford.


  2. Consider a Down Payment
    Part of determining your overall budget is deciding if you will be making a down payment. If you’ve saved up money for a down payment, it could lower your monthly payment because it will lessen your loan amount. At County Federal, we will work with you on a loan that you can feel comfortable about.


  1. Set a Monthly Payment Limit
    A good number to keep in mind is how much you’re willing to spend on your monthly car payment. Add up your total monthly expenses and subtract the total amount from your monthly income. That number is what you can spend, though it’s not necessarily how much you should spend. Having some money left over every month is nice so you can pay for unexpected expenses without putting them on a credit card.


  2. Check Your Credit Score
    Have you checked your credit score lately? If you’re looking to buy a car soon, it’s smart to know your credit score. Your credit score will determine the interest rate you pay on your loan. If you have good credit, you’ll get a better rate. There are online tools that allow you to check your credit score for free, like and



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