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Project Life

For Young Adults



Project Life is about starting smart and moving up. We want to help you succeed in life, and we know your financial needs are different from your parents.

A famous person once said, “Life is what happens to you while you’re busy making other plans.” So make your plans and live your life, and let us help you with the financial issues. This account won’t change your life, but it will certainly help you get through life when you most need it.

If you’re a young individual who is just out of high school or starting college, or perhaps you still live at home; Smart Start can help you with all your financial needs. If you been on your own for a while, or looking to start your professional career,  then Moving Up is the program for you.


Smart Start


Welcome to the middle years. High School is behind you, but you’re nowhere close to settling down and picking out curtains. Your life is busy! You have plans, places to go, people to see and money to spend. But maybe you’re not so sure about the money thing. That’s where we come in. So here it is, Smart Start…financial choices that fits your lifestyle. This has everything you want; like a checking account without any fees, plus a few things you may need in the near future.

Just getting through the day….

Need your morning cup of java or meeting up with friends for lunch?  Rewards Checking is a straightforward transaction account that is truly free!  The convenient Visa Check Card provides you with access to your money so you can do what you do, transact your business and keep it movin’. .With no monthly service fee or direct deposit requirement, this account gives the freedom to live your life now.

Get the financial information you need….when you need it!

You have a lot going on and our FREE Online Banking service, along with our FREE Mobile Banking service lets you to access your account any time, any place from your personal computer; tablet or Smartphone…how easy is that? Online Connection has a number of other benefits that are absolutely free:
•eStatements –Save a tree…receive an email notification and access your statements online.
•Bill Pay – Save a stamp… pay your bills electronically.

Did we mention that our Free Mobile Banking pretty much puts your finances in the palm of your hand?  Not only can you see your balances, pay bills, and transfer funds; you can also do a lot more!

Mobile Check Deposit – Save time and money! Why use your gas to come to the branch if you don’t have to? Deposit that check using your Smartphone by simply taking a picture of the front and the back of your check.*

Manage your Money

Keeping track of your finances can seem a bit overwhelming and complicated at times. Paying bills, trying to budget and save…that’s a lot to do!  Our My Spending tool lets You view & manage all your online financial accounts in one place. Keep track of your expenses, create budgets, develop a plan to manage and pay off debt.

College Bound?

The County Federal* Smart Option Student Loan® BY SALLIE MAE® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses. Now you can pay for college the smart way with three great repayment options and competitive interest rates!

College Auto Loan ProgramThe County Federal College Auto Loan Program program can help you get behind the wheel! Let us help you on the road to success!

Learn More

Additional Access to Funds: And you’ll have even more access to nearly 30,000 ATM locations nationwide—and save money, because they’re all surcharge free. CO-OP also offers ATMs at a variety of places you may commonly shop, including select Costco®, Walgreens and 7-Eleven® locations

*Some limitations apply

Moving Up


You’re not a kid anymore and you don’t want to be treated like one. You’re busy dealing with new challenges. You’re making the big decisions about your career, your ride, your home…your life. And you need financial options that are flexible enough to keep up with your active lifestyle.

We want to help you transition into the next stage of your life. You’re going to need some guidance along the way from someone you can trust. MOVING UP does just that, it helps you move up in life.

Magical Checking Account?
First, there is no such thing as a magical checking account! But our Rewards Checking is free and simple to maintain. With all of life’s complexities, we think free and simple is a good thing. No monthly service fee and no direct deposit requirement; plus the added convenience of a free Visa Check Card™ without any usage fees.

Rewards Checking gives you unlimited use of the CO-OP ATM Network (including participating 7-Eleven® and Costco® Stores) and Point Of Sale, you’ll get four free monthly transactions at other financial institutions’ ATMs*.

* Other Financial Institutions’ fees may apply.

Whenever…Wherever & Free!

Our Online Banking service keeps you connected to your finances 24/7. Just like our Rewards Checking, it’s free, along with our Bill Pay service. Now you access your account and pay bills any time from your PC or Tablet.

Online Banking includes a number of benefits that are absolutely free:

  • eStatements – Save a tree and get your statements via email.
  • Bill Pay* – Save a stamp, and pay your bills electronically.
  • Mobile Banking – Banking on your smart phone, what could be easier?
  • Mobile Check Deposit – Save gas, take a picture of your check and your deposit is done. Say Cheese!

Sooner or Later you’re going to need a Loan

No one likes to be in debt, but sooner or later you’re going to need a loan; especially if you want to become a home owner. Lets talk about the instances in your life where you’ll need a loan.

We already mentioned the first one; home ownership. Everyone dreams of having a place you can call your own. You’re going to need to save some money for the down payment, but we can help you with the rest.

People don’t often think of their credit union for mortgage loans, but we have some great Mortgage Loan Programs if we do say so ourselves! We won’t bore you with the details by listing every one of them. Simply call to speak to a Real Estate Specialist at (408) 282-0742; we promise they won’t pressure you or try to sell you something you don’t need. We’re here to help you.

An Auto Loan is almost a fact of life. You need a car to get to work and back, and unless you live in New York City, you need a car just to get around in general. We’ll get you into the lowest rate loan you qualify for, and set you up with payments that work with your budget.

Our Car Buying Services can even help you shop for the vehicle at no extra costs so you’ll never have to step foot into a dealership. We’ll help get you the lowest price, and we can even handle trading in your old vehicle. It doesn’t get much easier than that.

Maybe you’ve racked up a few high interest rate credit card bills, it’s easy to do, especially around the holiday. We have a Personal Loan that you can use for debt consolidation or for whatever reason you need the money.

Whether you are buying a higher priced item that you might want to pay for over a few months or just simply renting a car, our Visa Credit Cards let you use credit when you need it, and earn rewards with no annual fee. A credit card provides you additional flexibility and options regarding your finances.

Savings for a Rainy Day!

Your parents always said save for a rainy day, and they were right. Building up a savings is important and can come in real handy if an emergency were to ever occur. Start putting away what you can afford. Use automatic payroll deposit to build your savings.

We have a number of savings accounts from Money Market to short and long-term Term Certificates. We also offer IRA accounts and special savings account to help you save for the holidays or a vacation.

Managing Your Financial Life….

Let us help you organize your finances with our My Spending tool. View and manage all of your financial accounts (checking, savings, credit cards, loans, investments) in one place – even if you’re on the go.

My Spending lets you automatically categorize and track spending from all of your accounts at any institution. Sign up today and you’ll have the ability to:

  • Track expenses
  • Create budgets
  • Manage debt
  • Create useful spending reports

You can access My Spending from your personal computer or your mobile phone.

We Got You Covered

Identity theft has become a major issue, but we got you covered! Identity protection services is automatically included free of charge with our Rewards Checking program. Identity protection services is powered by IDentity Theft 911, America’s premier provider of identity services.


Homebuying 101: Options and Strategies

In the U.S., 80% of people purchase their first home between the ages of 18 and 34.1 So if you’re home-bound, you’re in good company. If you’re puzzled about how to achieve this, you’re not alone either. Of your peers who rent, 67% say they can’t afford to purchase yet.2 We’d like to help change that. Here are some ideas on what to consider in […]

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Getting Your Finances in Order

It’s time to get your house in order. Your financial house, that is. Finance management is more than balancing your checkbook. It’s a combination of earning, spending, saving, budgeting, planning and monitoring things, such as your accounts and your credit score. Putting a little effort in each month will help you now and in the long-term. For example, if you want to buy a home, […]

Making the Most of Credit Cards

Chances are you have a way to pay with plastic. But do you have a credit card? Despite the ubiquitous presence of them, a recent poll shows that 63% of Millennials don’t have one.1 But credit cards serve an important purpose. Here are some things to know about them. How Credit Cards Work Credit cards attach to a line of credit and work like a […]

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When you need us, we’ll be there. Because we’re everywhere. In addition to our convenient branch locations throughout the county, we’ve got other ways to serve you, anytime, anywhere. For one thing, membership means you have access to thousands of fee-free ATMs throughout the country, thanks to the CO-OP® ATM Network. Whether you’re traveling, relocating or just across town, you can perform basic banking transactions […]

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Managing Your Student Debt

Your college education enriched your life, created lasting friendships and perhaps opened the door to a job you enjoy. It also left debt in its wake. If this sounds like you, you’re not alone. These days, approximately 71% of students graduate with student loan debt.1 Not to worry. In the same way that you put together a plan to secure your college financing, you can […]

Student Loans 101: Your Guide to Borrowing

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Project_Life_ Borrow


College Auto LoanCollege Auto Loan Program

New Roads Await!


Our NEW College Auto loan program can get you behind the wheel!

• 8.37% APR*
• Affordable monthly payments
• Loan amount up to $20,000
• Terms up to 60 months
• Must be enrolled at least half-time or recent graduate in the last 12 months


Apply Now Or give one of our Loan Advisors a call today at 408-282-0700!


*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. 8.37% APR is valid for terms up to 60 months. Quoted loan rate is the lowest rate offered based on individual credit worthiness. Rates include 2% automatic payment discount, add 2% for manual payment. Discounts do not apply to promotional rate loans and inhouse refinances. Payment amount per every $1,000 borrowed at 8.37% for 60 months equals $20.45 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. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor.



Save for that perfect Get-a-Way or holiday shopping

County Federal has two club accounts that help you set aside money for that special vacation or holiday spending. Set up an automatic transfer from your checking, and an amount that you’re comfortable with will go into your club account each month, making it easy for you to save. As an added incentive, our two club accounts pay a dividend that’s .10% higher than the regular share savings account! The Vacation Club funds are automatically transferred to your Savings Account in early June for those sunny days. And, the Holiday Club funds are automatically transferred to your Share Savings Account in early November, just in time for holiday shopping.

To take advantage of these offers visit a branch near you, or contact us at (408) 282-0700.

*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal.

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