Today’s Rates

Consumer Loan Rates

Loan Type APR as low as* Term Calculate Payments
Credit Cards
VISA Platinum 2.99%1 open-ended  Summary of Credit Terms
VISA Platinum Rewards 4.99%1 open-ended  Summary of Credit Terms
Share Secured VISA 7.99%1 open-ended  Summary of Credit Terms
Unsecured Loans  
Personal Loan $500 to $25,000 5.90% up to 60 months  
Personal Line of Credit 9.99%2 open-ended  
Get Started Personal Loan 9.00% up to 48 months  
Secured Loans
Share/Certificate Secured (3.50%Margin over securing deposit)  3.55% – 4.85%    
Get Started Share/Certificate Secured (3.50%Margin over securing deposit)  2.05% – 3.35%    

*Risk Based: The Annual Percentage Rate (APR) and loan amount you receive will be within the range disclosed above and is based on your credit worthiness. You will be notified of the base rate for which you qualify when your loan request is approved. Payment Example: Pay $19.30 per month per $1,000 borrowed at 5.90% APR for 60 months. For more payment samples, use our payment calculator or call 408-282-0700. 1 APR = Annual Percentage Rate. Introductory Purchases and Balance Transfer APRs 2.99% to 9.99% for VISA Platinum and 4.99% to 11.99% for VISA Platinum Rewards available as of 10/1/15.  Purchase and post-introductory balance transfer APRs 7.99% to 14.99% for VISA Platinum and 9.99% to 16.99% for VISA Platinum Rewards as of 10/1/15. 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. Employees of Santa Clara County Federal Credit Union are not eligible for this promotional offer. 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. 2 Refer to Disclosure for Personal Line of Credit.

 

 

Vehicle Loan Rates

Loan Type APR*
Approximate Terms Calculate Payments
Vehicles
New & Used1,2 1.40% – 17.00% up to 84 months
Motorcycles
New & Used1$5,000 or less 1.90% – 16.50% up to 35 months and 100% financing
New & Used1 $5,001 to $10,000 2.40% – 16.50% up to 48 months and 100% financing
New & Used1 $10,001 to $20,000 2.90% – 16.75% up to 60 months and 100% financing
New & Used1 over $20,000 2.90% – 16.75% up to 72 months and 85% financing
Recreational Vehicles & Boats
New & Used1  $5,000 or less 2.90% – 16.00% up to 35 months and 100% financing
New & Used1 $5,000 to $25,000 2.90% – 17.00% up to 84 months and 100% financing
New & Used1 $25,001 to $100,000 2.90% – 17.00% up to 180 months and 80% financing

(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. You will be notified of the base rate for which you qualify when your loan request is approved. Lowest rates shown include any applicable discounts. Payment example: Pay $29.18 per month per $1,000 borrowed at 1.40% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700.  (2) Rate discounts are available for loans secured by automobiles and light duty trucks. Rates can be reduced by 0.25% for the Young Adult Program and 0.50% for Car Connection service or 1.00% for Enterprise through Car Connection. Discounts do not apply to promotional rate loans and in-house refinances.Late Payment Charge: 10 days after due date a charge of the greater of either 3% of payment due or $5 will be assessed.Title Processing Fee: $6 will be added to all vehicle and R.V. loans.Returned Item Charge: Up to $20 each returned payment check and $29 for each returned ACH or EFT item.

Mortgage Rates

FIXED Rate Loans Rates1 APR1 Points Payment per $1,000 Borrowed2
Conforming Fixed Rate Mortgage Loans (Loan Amounts $424,100 & under)
30 Year Fixed 4.500% 4.516%  0 $5.07
  4.375% 4.476%  1  $4.99
20 Year Fixed 4.250% 4.272%  0  $6.19
  4.125% 4.263%  1  $6.13
15 Year Fixed 3.750% 3.778%  0  $7.27
  3.625% 3.800%  1  $7.21
10 Year Fixed 3.750% 3.790%  0  $10.01
  3.625% 3.878%  1  $9.95
High Balance Mortgage Loans (Loan Amounts $424,100 to $636,100)
30 Year Fixed 4.750% 4.671%  0  $5.22
  4.625% 4.723%  1  $5.14
15 Year Fixed 4.250% 4.269%  0  $7.52
  4.125% 4.293%  1  $7.46
  
ADJUSTABLE Rate Loans Rates1 APR1 Points Payment per $1,000 Borrowed in Current Market2
5/5 Adjustable Rate Mortgage Loans 3
5/5 ARM  (up to $636,150)  2.990%  3.000%  0  $4.21
 5/5 ARM3  ($636,151 and over)  3.250%  3.256%  0  $4.35
Conforming Adjustable Rate Mortgage Loans (Loan Amounts $424,100 & under)
3/1 ARM4 3.500% 3.515%  0  $4.49
  3.375% 3.471%  1  $4.42
5/1 ARM5 3.750% 3.765%  0  $4.63
  3.625% 3.722%  1  $4.56
Jumbo Mortgage Loans (Loan Amounts $424,100 & over)
3/1 ARM4 3.750% 3.760% 0  $4.63
  3.625% 3.717% 1  $4.56
5/1 ARM5 4.000% 4.011% 0  $4.77
  3.875% 3.969% 1  $4.70

1. APR=Annual Percentage Rate.  All rates and terms shown are best available for owner-occupied single-family detached properties without subordinate financing or cash-out, and are subject to change without notice. Final terms offered to approved applicants depend on credit history, property type, loan-to-value ratio and other factors.  APRs are higher than interest rates to reflect anticipated closing costs that are deemed finance charges under federal lending regulations. 2. Quoted monthly payments do not include impounds for taxes, property insurance, or mortgage insurance (mortgage insurance required for loans above 80% LTV). Impound account required for Loan-to-Value ratios of 90% or higher. 3. The initial rate is fixed for 5 years then may adjust every 5 years thereafter. 4. The initial rate is fixed for 3 years then may be adjusted every year thereafter. 5. The initial rate is fixed for 5 years then may be adjusted every year thereafter. Maximum loan amounts vary by locale depending on typical home prices. High Balance loans are available only in federally designated metropolitan areas. Properties purchased within the proceeding six months are ineligible for cash-out refinance transactions and properties listed for sale within the last six months have a maximum loan-to-value of 70% for cash-out transactions. Condominiums, townhouses, and attached PUDS may be financed under ARM loan programs with a maximum 80% loan-to-value ratio. Additional restrictions and conditions may apply. Rates on 2-4 unit properties will be higher as follows: 2 unit properties increase by .5000%, 3 unit properties increase by .7500%, and 4 unit properties increase by 1.00%. All multi unit properties are subject to a maximum loan-to-value of 70%.

 

Term Certificate Rates

Account Type & Term
Rate Type Dividend Rate Annual
Percentage Yield*
 Calculator
Share and IRA Certificates Minimum Deposit $500
3 Months
(Not available as IRA or ESA)
Fixed 0.15% 0.15%  
6 Months Fixed 0.20% 0.20%  
12 Months Fixed 0.30% 0.30%  
24 Months Fixed 0.65% 0.65%  
36 Months Fixed 0.95% 0.95%  
48 Months Fixed 1.19% 1.20%  
Share and IRA Certificates Minimum Deposit $5,000
 6 Months Fixed 0.25% 0.25%  
12 Months Fixed 0.35% 0.35%  
24 Months Fixed 0.70% 0.70%  
36 Months Fixed 1.00% 1.00%  
48 Months Fixed 1.24% 1.25%  
Share and IRA Certificates Minimum Deposit $50,000
 6 Months Fixed 0.30% 0.30%  
12 Months Fixed 0.40% 0.40%  
24 Months Fixed 0.75% 0.75%  
36 Months Fixed 1.05% 1.05%  
48 Months Fixed 1.29% 1.30%  
Share and IRA Certificates Minimum Deposit $100,000
 6 Months Fixed 0.35% 0.35%  
12 Months Fixed 0.45% 0.45%  
24 Months Fixed 0.80% 0.80%  
36 Months Fixed 1.10% 1.10%  
48 Months Fixed 1.34% 1.35%  
12 Month Add-On Certificates Minimum Deposit $100
12 Months up to $4,999 Fixed 0.30% 0.30%  
Youth Roth IRA & ESA only
12 Months $500 Fixed 0.40% 0.40%  
12 Months $5,000 Fixed 0.45% 0.45%  

For the purpose of this disclosure, the dividend rate and annual percentage stated for the term accounts listed were offered within the most recent seven calendar days and were accurate as of the above date. Fees may reduce the earnings on the account if there is maintenance or activity fees associated with the account. A penalty may be imposed for early withdrawal. Your savings are 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.PLEASE CALL (408) 282-0700 TO OBTAIN THE MOST CURRENT RATE INFORMATION.

Truth In Savings Disclosure
Fee Schedule

 

Savings Rates

Account Type Rate Type Minimum Opening Balance Minimum Earning Balance Stated Dividend
Rate
Annual Percent Yield  
Basic Accounts  
Regular Share Savings variable $25 $25 0.05% 0.05%  
Get Started Teen Savings variable $25 $25 0.05% 0.05%  
Holiday & Vacation Clubs variable $25 $25 0.15% 0.15%  
Starts Free Accounts
Regular Share Savings variable $25 $25 0.10% 0.10%  
Get Started Teen Savings variable $25 $25 0.10% 0.10%  
Holiday & Vacation Clubs variable $25 $25 0.20% 0.20%  
Gets Better Accounts
Regular Share Savings variable $25 $25 0.15% 0.15%  
Get Started Teen Savings variable $25 $25 0.15% 0.15%  
Holiday & Vacation Clubs variable $25 $25 0.25% 0.25%  
Other Savings Accounts
M3 Money Club variable  $25  $25  0.05%  0.05%  
IRA Accumulation including Roth & ESA variable  $25  $25  0.20%  0.20%  
Youth Roth & ESA IRA Accumulation variable  $25  $25  0.30%  0.30%  
Escrow (Real Estate loans only) variable  n/a  n/a  2.00%  2.02%  
Checking Accounts 
Rewards Checking – Starts Free variable $25 n/a 0.00% 0.00%  
Rewards Checking – Gets Better variable $25 $0 0.10% 0.10%  
Members’ Choice Money Market Accounts*
Tier 1 variable $2,500 $2,500 0.20% 0.20%  
Tier 2 variable $10,000 $10,000 0.20% 0.20%  
Tier 3 variable $25,000 $25,000 0.25% 0.25%  
Tier 4 variable $50,000 $50,000 0.25% 0.25%  
Tier 5 variable $75,000 $75,000 0.25% 0.25%  
Tier 6 variable $125,000 $125,000 0.30% 0.30%  
Tier 7 variable $200,000 $200,000 0.30% 0.30%  

*”Minimum Opening Balance” and “Minimum Earning Balance” represent the minimum deposit balance required for every tier of the Members’ Choice Money Market Account 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 daily ending deposit balances. Fees may reduce the earnings on the account if there are maintenance or activity fees associated with the account. Members’ accounts are insured by the National Credit Union Administration up to $250,000, and IRA funds are insured separately up to $250,000 by the NCUA.
Truth In Savings Disclosure
Fee Schedule