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 June 19th, in observance of Juneteenth.
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Are you impacted by the severe weather? Contact us today to apply for our Emergency Relief Loan.

Credit Protection Plan

Debt Protection

Help preserve your standard of living. Whether you’re taking out a loan to make home improvements or buy a vehicle, you should take steps to protect you and your family in case something unforeseen happens. You’re betting you can pay back your loan and you won’t lose your job (through no fault of your own), or become disabled (due to injury or illness), or even pass away – all of which could leave your family responsible for your loan balance. Life events can cause financial hardship, making bill-paying difficult. You don’t want delinquent payments and defaulted loans to impact your finances.

Help Play It Safe

Debt Protection from County Federal is a voluntary loan-payment protection product that is designed to help you get relief from loan payments if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the sign-up process.

Protection That Matters

If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), Debt Protection will cancel or waive your loan payments, up to the contract maximums—helping to lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. We offer a number of options you could protect yourself against. These events could include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

DP-1202789.1-0515-0617 © CUNA Mutual Group 2015, All Rights Reserved

To learn more about Debt Protection and protecting your loans

Guaranteed Asset Protection (GAP)*

GAP can help you cover the difference between what the insurance company pays out and what you still owe on your auto loan.
Your insurance carrier may determine that the cash value of your vehicle is less than the balance you owe on your loan. In the event of a total loss or theft, GAP may waive the difference between your outstanding loan balance and the actual cash value of your vehicle.
GAP may also cover up to $1,000 of the borrower's deductible if there is a "gap" after the primary insurance settlement is paid.

*Not available in NY or AK.

GAP Example
Your one-year-old financed vehicle is totaled beyond repair

Your loan balance is       $15,000
Your vehicle’s market value $11,000
Less your insurance deductible$1,000
Your insurance company settlement is$10,000


Total amount you owe without GAP                 $5,000

Total amount you owe with GAP                        $0

PLUS $1,000 credit towards the financing of your replacement vehicle!


GAP is subject to limitations and exclusions, including but not limited to a loan-to-value (LTV) maximum.

GAP is also available for Watercraft’s, Travel Trailers, RV’s and Motors Homes. 

To learn more about GAP Protection and how it can help you

Depreciation Protection (DPW)

DPW can protect the positive equity that you’ve paid into your vehicle. In the event of a total loss, DPW provides a waiver benefit equal to the difference between the vehicle value at the time of purchase, less the loan balance at the time of loss up to $10,000*, or the outstanding loan balance.

Benefits of Protection:

•        Protection for collision

•        Life-of-loan Protection

•        No mileage or year restrictions

•        Protection for theft and fire

•        100% open enrollment

•        Protection for vehicle depreciation

Ideal for Those Who:

•        Finance 90% LTV or less

•        Put money down

•        Trade in a vehicle

•        Make accelerated loan payments

•        Need to protect equity



How it WorksPurchased at Dealership6 Months1 Year3 Years

Price of Vehicle


Outstanding Loan Balance$29,800$27,517$25,194$15,565
Depreciation Protection Waiver Benefit at Total Loss$3,700$5,983$8,306$10,000**


To learn more about Depreciation Protection and how it can help you

*Maximum Waiver Benefit can vary depending on level of protection selected and/or offered. Please reference the waiver addendum for specifics regarding maximum waiver amounts. **$10,000 Waiver Benefit applies here because waiver amount will not exceed the lesser of the maximum amount listed in the waiver addendum or outstanding loan balance at total loss. Loan Amortization Used in Example: 2.99% APR, 72-month.

Mechanical Breakdown Insurance (MBI)

Drive with the peace of mind knowing that with Mechanical Breakdown Insurance you have protection against the increasingly high cost of repairs for mechanical and electrical vehicle failures. MBI is an optional, supplemental protection that can be added to your auto loan – similar to a vehicle warranty.

In addition to vehicle repair, MBI provides additional benefits such as rental car allowance, 24/7 emergency roadside assistance, and trip interruption. MBI is available for both new and used vehicles. This coverage will protect your vehicle after your warranty has expired.

Benefits of MBI

  • 24/7 Roadside Assistance & Towing
  • Rental Car Allowance
  • Free Look Period – 60 Days
  • Consequential Damage Coverage
  • Electronics Components Coverage*

*Elite & Enhanced Plans ONLY

To learn more about Mechanical Breakdown Insurance or to request a quote

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