Credit Cards

The County Federal Visa Credit Card was designed for our members’ financial needs, whether you’re looking to build credit or looking to reward yourself for daily purchases.

Unlike other credit cards from commercial banks, you’ll enjoy a low introductory APR of just 1.99% on VISA Share Secured and VISA Platinum cards for the first 12 months on balance transfers (if made during the first 3 months of account opening), after that, your balance transfer APR on VISA Share Secured and VISA Platinum cards will be just 15.99%², and you’ll enjoy no annual fees with our County Federal Credit Cards. Balance transfers are a great way to potentially reduce your monthly payments on outstanding debt you’ve accumulated from department store credit cards and other lenders. It’s the first step to potentially accelerate your debt repayment plan and increase your credit score.

Find A Credit Card That Fits

	Share Secured CC	Visa Platinum Card	Visa Platinum Rewards
Best For	Building Credit	Expanding your credit profile	Earning points for future purchases
Introductory Balance Transfer Offer (VISA Share Secured and VISA Platinum Only)	Introductory 1.99%¹ APR on Balance Transfers for 12 months on Balance Transfers performed during the first 3 months of account opening (after that, 15.99%²)	Introductory 1.99%¹ APR Balance Transfers for 12 months on Balance Transfers performed during the first 3 months of account opening (after that, 15.99%²)	-----
Cash Back/Rewards	-----	-----	Spend $500 in first 3 months of account opening, get 10,000 points. After that, get Dollar-for-Dollar points for all purchases
Standard Annual Percentage Rate (APR2) for Purchases, Balance Transfers, and Cash Advances	15.99%^{2 Variable APR}	15.99%^{2 Variable APR}	18%^{2 Variable APR}
Balance Transfer Fee*	3%	3%	3%
Annual Fee	No Fee	No Fee	No Fee
Cash Advance Fee	3%	3%	3%
	Apply Online OR Call Us at 408-282-0700 or 1-800-282-6212

Resources

Need to Do a Balance Transfer?

You could save money by transferring high-rate balances from other cards to your County Federal Visa Card.^*

Call our Loan Advisors at 408-282-0700 to set up a transfer today.

Personal Loans

A personal loan or personal line of credit can be used for special life events, an unexpected expense, or for any reason you may need extra funds. You could lower your interest and spend less over time. See how a personal loan or a line of credit can help you!

Personal Loans

Financial Fitness Center

It’s important to know how credit cards work so you can use them effectively and avoid any penalties. Check out our free Financial Fitness Center to better understand how to choose and use credit cards responsibly.

Financial Fitness Center

(1) APR = Annual Percentage Rate. Offer not valid on VISA Platinum Rewards Cards and/or balances transferred from other Santa Clara County Federal Credit Union loans.

(2) Current Purchase, post-introductory Balance Transfer, and Cash Advance APRs are 15.99% for VISA Share Secured and VISA Platinum and 18.00% for VISA Platinum Rewards (as of 07/08/2024). These are variable rate accounts. We add a “Margin” of 7.740% to the Prime Rate (currently 8.25% as of 07/08/2024) to determine the VISA Share Secured and VISA Platinum Purchase, post-introductory Balance Transfer, and Cash Advance APRs (the daily periodic rate for Purchases, post-introductory Balance Transfers, and Cash Advances is currently 0.0438%); maximum APR 18% (corresponding to a daily periodic rate of 0.0493%). We add a “Margin” of 10.740% to the Prime Rate to determine the VISA Rewards APR for Purchases, Balance Transfers, and Cash Advances (the daily periodic rate is currently 0.0493%); maximum APR 18% (corresponding to a daily periodic rate of 0.0493%).

The rates disclosed above are offered to approved applicants and depend on credit qualifications. Rates are variable and rates and terms are subject to change. All loans are subject to credit approval and income verification. If under 21, you must prove financial independence or have a qualified co-borrower over age 21. Refer to the Credit Card Agreement and the Application & Solicitation Disclosure for additional information. Balance transfer offer available for U.S.-issued cards only. VISA’s Zero Liability policy does not apply to commercial card or ATM transactions or to PIN transactions not processed by VISA.

*Offer not valid on balances transferred from other Santa Clara County Federal Credit Union loans. Transferring balances will not close accounts with other creditors. To close your accounts with other creditors, you must contact them. It may take up to 10 days for balance transfer payments to reach other creditors. You should continue to make payments to other creditors to avoid late fees; we will not be responsible for late or other default-related fees assessed by other creditors. Balance transfers will not be made if it would cause you to exceed your credit limit.