Notice: Campbell Branch is closed today, Tuesday, October 11, 2022. We apologize for the inconvenience and appreciate your understanding.
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System Notice:  Online and Mobile Banking are currently unavailable. We are working diligently to resolve the issue. Thank you for your patience.
We’re experiencing technical difficulties with our phone system. We apologize for the inconvenience.
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All County Federal offices and branches will be closed on May 29th, in observance of Memorial Day.
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Alert: Don’t be misled. County Federal will never call or text you to ask for information. Questions? Dial us directly at 800-282-6212 - we’re happy to help.
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Impacted by recent winter storms? Call us about our Emergency Relief Loan, 408-282-0700 or 800-282-6212.
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Rates

Consumer Loan Rates
Loan TypeAPR as low as TermCalculate Payments
Credit Cards
VISA Platinum2.990%2open-ended Summary of Credit Terms
VISA Platinum Rewards4.990%2open-ended Summary of Credit Terms
Share Secured VISA2.990%2open-ended Summary of Credit Terms
Unsecured Loans 
Personal Loan $500 to $30,0009.995%1up to 60 months 
Personal Line of Credit12.115%open-ended 
Secured Loans
Share Secured (Share yield + 2% margin) 2.010% – 2.030%up to 120 months 
Certificate Secured (Certificate yield + 2% margin) 2.050% – 3.350%Not to exceed Certificate Maturity 

 

*APR= Annual Percentage Rate. Rates as low as 9.995% APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 9.995% to 17.995% APR. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to Credit Union approval. Terms offered up to 60 months. Other rates and terms are available. All loan rates quoted above (excluding credit cards) include a 2% discount for automatic payments; if opting out of automatic payments add 2% to base rate Maximum loan term based on amount financed. Payment amount per every $1,000 borrowed at 9.995% for 60 months equals $21.24 per month. For more payment samples, use our payment calculator or call 408-282-0700.

(2) APR = Annual Percentage Rate. Introductory Purchases and Balance Transfer APRs 2.990% to 9.990% for VISA Platinum and 4.990% to 11.990% for VISA Platinum Rewards available as of 4/9/2018.  Purchase and post-introductory balance transfer APRs 7.990% to 14.990% for VISA Platinum and 9.990% to 16.990% for VISA Platinum Rewards as of 4/9/2018. Introductory Balance Transfer and purchase and post-introductory APRs offered to approved applicants depend on credit qualifications. Rates and terms subject to change.  All loans subject to credit approval and income verification. If under 21 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. 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.

Vehicle Loan Rates
Loan TypeAPR TermsCalculate Payments
Vehicles
New, Used & Refi16.370% – 17.990%up to 36 months 
New, Used & Refi16.620% – 17.990%up to 60 months 
New, Used & Refi16.870% – 14.620%up to 72 months 
New, Used & Refi17.120% – 10.870%up to 84 months 
College Auto Loan Program210.370%up to 60 months 
Motorcycles
New, Used & Refi17.620% – 13.870%up to 36 months 
New, Used & Refi1 8.120% – 14.370%up to 60 months 
Recreational Vehicles & Boats
New, Used & Refi1  7.620% – 14.870%up to 60 months 
New, Used & Refi1 8.220% – 15.470%up to 96 months 
New, Used & Refi1 8.820% – 16.070%up to 132 months 
New, Used & Refi1 9.420% – 16.670%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. All rates include a 2.000% discount for automatic payments; if opting out of automatic payments add 2% to base rate. Payment example: Pay $30.59 per month per $1,000 borrowed at 6.370% 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 10.370% APR is valid for terms up to 60 months. Quoted loan rate is the lowest rate offered based on individual credit worthiness. Rates include 2.000% 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 10.370% for 60 months equals $21.43 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.

Fixed and Adjustable Rate Mortgage Loans

Whether you’re buying your first home, moving across town, or looking for a larger place for your family, County Federal offers a variety of mortgage options with competitive rates.

  • Fixed-rate loans: Offers long-term financial stability, as your interest rate and monthly payment will stay the same over the term of your loan.
  • Adjustable-rate mortgage: Lower initial rates help maximize buying power and reduce monthly payments. Adjustable-rate mortgages come with fixed rates for the first 3, 5, 7 or 10 years - depending on the loan - and rates are then adjusted periodically thereafter.
  • Conforming loan products: Fixed and adjustable loans up to the FNMA conforming county loan limit.
  • Jumbo loan products: Buyers looking for larger homes or moving to more expensive neighborhoods can borrow up to $2 million.
Check Mortgage Rates
* $800 off closing costs is available on closed loans for first lien purchase transactions of primary residences or refinance loans with an application date from 10/1/2022 - 12/31/2022 and closed by 01/31/2023. The $800 off Closing Costs will be applied, at Lender’s discretion, at the time of loan funding as a Lender Credit. Santa Clara County reserves the right to cancel or modify this offer without prior notice. Excludes refinance of existing County Federal loans. Employees, volunteers and officials not eligible.

Home Equity Loans

Home Equity Loans
ProductAPR as low as (1)Application Fee Annual Fee 
Variable8.750%$0$100Home Equity Line of Credit Terms
Fixed8.375%$0

(1) APR= Annual Percentage Rate. APRs quoted are our best rates and are accurate as of 05/04/2023, subject to change without notice. 8.750% APR up to 50% LTV. 9.000% up to 65% LTV and 9.250% up to 80% LTV. Rate based on the Prime Rate (published in the Wall Street Journal) plus a margin as outlined in the Home Equity disclosure, with a floor as low as 3.5%. The minimum floor rate you receive will be based on the loan-to-value (LTV) ratio. Maximum LTV up to 80%. The annual percentage rate can change quarterly on the first day of January, April, July, and October. We will use the most recent index value available to us as of 15 days before the date of any annual percentage rate adjustment. The rate cannot increase or decrease more than 0.500 percentage points at each adjustment. Maximum cap of 15.000% APR. Minimum draw of $300. Annual fee of $100 is applied on the anniversary date of the loan Home must be 1 to 4 units, owner occupied or second home, California properties only. This offer may not be available with balloon or negative amortization first mortgage or third liens. All loans subject to credit approval and our Credit Union lending policies. See disclosure for important terms of our Equity Advantage program.

Savings Rates
Account TypeRate TypeMinimum Opening BalanceMinimum Earning BalanceStated Dividend RateAnnual Percent Yield
Share Savings - Savings Account
Regularvariable$25$250.25%0.25%
Youthvariable$25$250.25%0.25%
IRA Accounts
Traditional IRAvariable$25$250.25%0.25%
Roth IRAvariable$25$250.25%0.25%
Coverdell (ESA) IRAvariable$25$250.25%0.25%
Money Market Account (1)
Tier 1variable$2,500$2,5002.00%2.02%

(1) This is a variable rate account. The dividend rates and APY may change monthly. There are no limitations on the amount the dividend rate may change. Minimum Opening Balance and Minimum Earning Balance represent the minimum deposit balance required to earn the corresponding stated dividend rate. Should the deposit balance move from one tier to another, the corresponding stated dividend rates of those given tiers will be applied to calculate the dividends paid using the average daily balance method. Dividends will be compounded monthly and credited monthly. Money Market Accounts may be subject to fees and charges. Your savings federally insured to at least $250,000 by the National Credit Union Share Insurance Fund, administered by the NCUA and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Dividend Rate Schedule

Fee Schedule

Truth In Savings Disclosure

Term Certificate Rates (1) as of May 22, 2023
Account Type & TermRate TypeMinimum Opening BalanceMinimum Earning BalanceStated Dividend RateAnnual Percentage Yield Calculator
Term Share Certificates
3 Month Share CertificateFixed$500$5005.00%5.12% 
6 Month Share CertificateFixed$500$5005.00%5.12% 
12 Month Share CertificateFixed$500$5004.50%4.59% 
12 Month Add-On Share CertificateFixed$100$1004.50%4.59% 
24 Month Share CertificateFixed$500$5003.50%3.56% 
36 Month Share CertificateFixed$500$5002.75%2.78% 
48 Month Share CertificateFixed$500$5002.75%2.78% 
Term IRA Certificate - Traditional, Roth, and Coverdell (ESA) Term IRA Certificates
6 Month Term IRA CertificateFixed$500$5005.00%5.12% 
12 Month Term IRA CertificateFixed$500$5004.50%4.59% 
24 Month Term IRA CertificateFixed$500$5003.50%3.56% 
36 Month Term IRA CertificateFixed$500$5002.75%2.78% 
48 Month Term IRA CertificateFixed$500$5002.75%2.78% 
Youth Roth IRA and Youth ESA Term IRA Certificate
12 Month Roth Term IRA CertificateFixed$500$5004.50%4.59% 
12 Month Coverdell (ESA) IRA CertificateFixed$500$5004.50%4.59% 

(1) The dividend rate and annual percentage yield stated for the term accounts listed are offered within the most recent seven calendar days and were accurate as of the above date. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate Accounts are subject to approval, terms, and fees. Your savings federally insured to at least $250,000 by the National Credit Union Share Insurance Fund, administered by the NCUA and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Dividend Rate Schedule

Fee Schedule

Truth In Savings Disclosure

Checking Rates
Account TypeRate TypeMinimum Opening BalanceMinimum Earning BalanceStated Dividend RateAnnual Percent Yield
Share Draft - Checking Accounts
Free CheckingN/A$5N/AN/AN/A
Youth - Free CheckingN/A$5N/AN/AN/A

Dividend Rate Schedule

Fee Schedule

Truth In Savings Disclosure

NCUA
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
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