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 Thursday, February 15th, we’ll be performing a scheduled maintenance starting at 10 p.m. PST and ending at 2 a.m. PST on Friday, February 16th. During this time, 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 May 27th, in observance of Memorial Day.
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Are you impacted by the severe weather? Contact us today to apply for our Emergency Relief Loan.
Auto Refinancing Made Simple

Health Care Professionals Get $100 Cash Back

Enjoy great rates plus $100 Cash Back when you refinance an auto loan from another lender with County Federal. Refinancing is a great way to lower your monthly payment – even a $50 monthly savings adds up!
Apply Now
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We'll Take Care of You

We’re known for taking care of our Members. As lending specialists, we will work with you to identify the best rates and terms that can help you save on your auto loan – whether you’re purchasing a new vehicle or re-financing one that you love.
Apply Now

Shop Like a Cash Buyer

Put yourself in the driver’s seat. With a pre-approval, you’ll know your terms and budget. This gives you the leverage to negotiate like a cash-buyer on the price of the vehicle you want – not on financing options.

Our Loan Advisors are here to help: 408-282-0700

Additional Savings & Benefits

Receive an additional 1% rate discount when you finance an Enterprise vehicle with County Federal. Get pre-approved and start shopping over 250 Enterprise Certified© vehicles today!
Learn More

Current Auto Loan Rates

Vehicle Loan Rates
Loan TypeAPRTermsCalculate Payments
New, Used & Refi16.435% – 17.990%up to 36 months 
New, Used & Refi16.685% – 17.990%up to 60 months 
New, Used & Refi16.935% – 14.685%up to 72 months 
New, Used & Refi17.185% – 10.935%up to 84 months 
New, Used First Time Buyer Program110.185% - 10.435%up to 60 months 
College Auto Loan Program210.435%up to 60 months 
New, Used & Refi17.660% – 13.910%up to 36 months 
New, Used & Refi1 8.160% – 14.410%up to 60 months 
Recreational Vehicles & Boats
New, Used & Refi1  7.660% – 14.910%up to 60 months 
New, Used & Refi1 8.260% – 15.510%up to 96 months 
New, Used & Refi1 8.860% – 16.110%up to 132 months 
New, Used & Refi1 9.460% – 16.710%up to 180 months 

(1) Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. You will be notified of the base rate for which you qualify when your loan request is approved. Payment example: Pay $30.62 per month per $1,000 borrowed at 6.435% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor.

( 2) APR = Annual Percentage Rate. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. 10.435% APR is valid for terms up to 60 months. Quoted loan rate is the lowest rate offered based on individual credit worthiness. Payment amount per every $1,000 borrowed at 10.435% for 60 months equals $21.46 per month. Borrower must be over 18 years old; employed at least part-time; a student at an accredited college, university, or trade school, or a recent graduate (less than one-year post graduation). Must have no FICO score, or limited credit history. Down payment required.

Apply Now
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Become a Member

County Federal is passionately dedicated to helping Healthcare Professionals achieve financial success.
Join Us
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Calculate Payments

Our free, easy-to-use financial calculators can help you to calculate payments, see how much you can afford and more!
Calculate Payments
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All You Need to Know 
About Loans

Your auto loan will affect your monthly budget, so we recommend doing some research before you sign. Here’s all you need to know about auto loans.
Learn More
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Home Loans

We offer a variety of home loan products with more flexibility in order to make the purchase of your home easier than before.
Learn More
*$100 cash back award is only available for loan amounts of $10,000 or greater. Limit one cash back award per loan closed. Existing County Federal loans are excluded. Funds will be deposited directly into your share savings account after 90 days of loan funding. Loans that are paid off within 90 days of opening will not qualify. Offer subject to change without notice.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender
Certified - CDFI - US Department of the Treasury