Rates
| Loan Type | APR as low as | Term | Calculate Payments |
|---|---|---|---|
| Credit Cards | |||
| VISA Platinum | 15.99%2 | open-ended | Summary of Credit Terms |
| VISA Platinum Rewards | 18%2 | open-ended | Summary of Credit Terms |
| Share Secured VISA | 15.99%2 | open-ended | Summary of Credit Terms |
| Unsecured Loans | |||
| Personal Loan $500 to $30,000 | 10.685%1 | up to 60 months | |
| Personal Line of Credit | 12.685% | open-ended | |
| Secured Loans | |||
| Share Secured (Share yield + 2% margin) | 2.10% to 2.10% | up to 84 months | |
| Certificate Secured (Certificate yield + 2% margin) | 4.52% – 5.55% | Not to exceed Certificate Maturity | |
*APR= Annual Percentage Rate. Rates as low as 10.685%APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 10.685% to 17.990%. 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. Payment amount per every $1,000 borrowed at 10.685% for 60 months equals $21.59 per month. For more payment samples, use our payment calculator or call 408-282-0700.
(2) Current Purchase, post-introductory Balance Transfer, and Cash Advance APRs are 15.99% for VISA Share Secured and VISA Platinum and 18.00% for VISA Platinum Rewards (as of 07/08/2024). These are variable rate accounts. We add a “Margin” of 7.740% to the Prime Rate (currently 8.25% as of 07/08/2024) to determine the VISA Share Secured and VISA Platinum Purchase, post-introductory Balance Transfer, and Cash Advance APRs (the daily periodic rate for Purchases, post-introductory Balance Transfers, and Cash Advances is currently 0.0438%); maximum APR 18% (corresponding to a daily periodic rate of 0.0493%). We add a “Margin” of 10.740% to the Prime Rate to determine the VISA Rewards APR for Purchases, Balance Transfers, and Cash Advances (the daily periodic rate is currently 0.0493%); maximum APR 18% (corresponding to a daily periodic rate of 0.0493%).
The rates disclosed above are offered to approved applicants and depend on credit qualifications. Rates are variable and rates and terms are subject to change. All loans are subject to credit approval and income verification. If under 21, you 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. Balance transfer offer available for 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.
| Loan Type | APR | Terms | Calculate Payments |
|---|---|---|---|
| Vehicles | |||
| New, Used & Refi1 | 6.085% – 17.990% | up to 36 months | |
| New, Used & Refi1 | 6.335% – 17.990% | up to 60 months | |
| New, Used & Refi1 | 6.585% – 14.335% | up to 72 months | |
| New, Used & Refi1 | 6.835% – 10.585% | up to 84 months | |
| New, Used First Time Buyer Program1 | 10.085% - 11.585% | up to 60 months | |
| College Auto Loan Program2 | 10.085% | up to 60 months | |
| Motorcycles | |||
| New, Used & Refi1 | 7.560% – 13.810% | up to 36 months | |
| New, Used & Refi1 | 8.060% – 14.310% | up to 60 months | |
| Recreational Vehicles & Boats | |||
| New, Used & Refi1 | 8.310% – 15.560% | up to 60 months | |
| New, Used & Refi1 | 8.910% – 16.160% | up to 96 months | |
| New, Used & Refi1 | 9.510% – 16.760% | up to 132 months | |
| New, Used & Refi1 | 10.110% – 17.360% | 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 $30.46 per month per $1,000 borrowed at 6.085% 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. 10.085% 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 10.085% for 60 months equals $21.29 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 $3 million.
Home Equity Loans
| Terms | Rate Type | APR |
|---|---|---|
| Up to 60 Months | Fixed | 7.310% – 11.060% |
| Up to 120 Months | Fixed | 7.665% - 11.415% |
| Up to 180 Months | Fixed | 7.975% - 11.725% |
Home equity loans have fixed interest rates and payments throughout the term. Rates assigned to approved applicants depend on loan-to-value ratio, credit history, and other factors we may lawfully consider. Monthly payment per $1,000 borrowed (excludes property taxes and insurance) example: Pay $19.95 per month per $1,000 borrowed at 7.310% APR for 60 months. For more payment samples, use our payment calculator.
| Loan Type | Rate Type | APR |
|---|---|---|
| Home Equity Line of Credit | Variable | 8.500% - 10.250% |
1) APR= Annual Percentage Rate. A Home equity lines of credit (HELOCs) have variable interest rates. The interest rate and payment can change throughout the term. To determine the variable rate, we add an external index (the Wall Street Journal Prime Rate) to the margin assigned to the line. Variable rate formulas assigned to approved applicants depend on loan-to-value ratio, credit history, and other factors we may lawfully consider. The lifetime maximum variable APR is 17.99%. $100 annual fee. You can take advances during the 10-year draw period. During the draw period, payments are interest-only. A 15-year repayment period will follow the draw period. Repayment period payments are fully amortized and include principal and interest.
All Equity Loans and Credit Lines County Federal absorbs all third-party origination costs such as property valuation, title insurance, flood hazard review, and document recording. If a loan or line is paid off within 24 months of opening, borrower will reimburse actual costs absorbed by County Federal, estimated from $818.00 to $1,904.00. Available on California owner-occupied 1–4-unit residential properties only. All loans are subject to credit approval. No early payment penalties.
| Account Type | Rate Type | Minimum Opening Balance | Minimum Earning Balance | Stated Dividend Rate | Annual Percent Yield |
|---|---|---|---|---|---|
| Share Savings - Savings Account | |||||
| Regular | variable | $25 | $25 | 0.10% | 0.10% |
| Youth | variable | $25 | $25 | 0.10% | 0.10% |
| IRA Accounts | |||||
| Traditional IRA | variable | $25 | $25 | 0.10% | 0.10% |
| Roth IRA | variable | $25 | $25 | 0.10% | 0.10% |
| Coverdell (ESA) IRA | variable | $25 | $25 | 0.10% | 0.10% |
| Money Market Account (1) | |||||
| Tier 1 | variable | $2,500 | $2,500 | 1.00% | 1.00% |
(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.
| Account Type & Term | Rate Type | Minimum Opening Balance | Minimum Earning Balance | Stated Dividend Rate | Annual Percentage Yield | Calculator |
|---|---|---|---|---|---|---|
| Term Share Certificates | ||||||
| 3 Month Share Certificate | Fixed | $500 | $500 | 2.50% | 2.52% | |
| 6 Month Share Certificate | Fixed | $500 | $500 | 2.75% | 2.78% | |
| 12 Month Share Certificate | Fixed | $500 | $500 | 3.50% | 3.55% | |
| 24 Month Share Certificate | Fixed | $500 | $500 | 3.25% | 3.29% | |
| 36 Month Share Certificate | Fixed | $500 | $500 | 3.00% | 3.03% | |
| 48 Month Share Certificate | Fixed | $500 | $500 | 3.00% | 3.03% | |
| Term IRA Certificate - Traditional, Roth, and Coverdell (ESA) Term IRA Certificates | ||||||
| 6 Month Term IRA Certificate | Fixed | $500 | $500 | 2.75% | 2.78% | |
| 12 Month Term IRA Certificate | Fixed | $500 | $500 | 3.50% | 3.55% | |
| 24 Month Term IRA Certificate | Fixed | $500 | $500 | 3.25% | 3.29% | |
| 36 Month Term IRA Certificate | Fixed | $500 | $500 | 3.00% | 3.03% | |
| 48 Month Term IRA Certificate | Fixed | $500 | $500 | 3.00% | 3.03% | |
| Youth Roth IRA and Youth ESA Term IRA Certificate | ||||||
| 12 Month IRA Certificate | Fixed | $500 | $500 | 3.50% | 3.55% | |
(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.
| Account Type | Rate Type | Minimum Opening Balance | Minimum Earning Balance | Stated Dividend Rate | Annual Percent Yield |
|---|---|---|---|---|---|
| Share Draft - Checking Accounts | |||||
| Free Checking | N/A | $5 | N/A | N/A | N/A |
| Youth - Free Checking | N/A | $5 | N/A | N/A | N/A |
