Rates
| Loan Type | APR as low as | Term | Calculate Payments |
|---|---|---|---|
| Credit Cards | |||
| VISA Platinum | 2.990%2 | open-ended | Summary of Credit Terms |
| VISA Platinum Rewards | 4.990%2 | open-ended | Summary of Credit Terms |
| Share Secured VISA | 2.990%2 | open-ended | Summary of Credit Terms |
| Unsecured Loans | |||
| Personal Loan $500 to $30,000 | 9.995%1 | up to 60 months | |
| Personal Line of Credit | 12.115% | 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.
| Loan Type | APR | Terms | Calculate Payments |
|---|---|---|---|
| Vehicles | |||
| New, Used & Refi1 | 6.370% – 17.990% | up to 36 months | |
| New, Used & Refi1 | 6.620% – 17.990% | up to 60 months | |
| New, Used & Refi1 | 6.870% – 14.620% | up to 72 months | |
| New, Used & Refi1 | 7.120% – 10.870% | up to 84 months | |
| College Auto Loan Program2 | 10.370% | up to 60 months | |
| Motorcycles | |||
| New, Used & Refi1 | 7.620% – 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.
Home Equity Loans
| Product | APR as low as (1) | Application Fee | Annual Fee | |
|---|---|---|---|---|
| Variable | 8.750% | $0 | $100 | Home Equity Line of Credit Terms |
| Fixed | 8.375% | $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.
| Account Type | Rate Type | Minimum Opening Balance | Minimum Earning Balance | Stated Dividend Rate | Annual Percent Yield |
|---|---|---|---|---|---|
| Share Savings - Savings Account | |||||
| Regular | variable | $25 | $25 | 0.25% | 0.25% |
| Youth | variable | $25 | $25 | 0.25% | 0.25% |
| IRA Accounts | |||||
| Traditional IRA | variable | $25 | $25 | 0.25% | 0.25% |
| Roth IRA | variable | $25 | $25 | 0.25% | 0.25% |
| Coverdell (ESA) IRA | variable | $25 | $25 | 0.25% | 0.25% |
| Money Market Account (1) | |||||
| Tier 1 | variable | $2,500 | $2,500 | 2.00% | 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.
| 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 | 5.00% | 5.12% | |
| 6 Month Share Certificate | Fixed | $500 | $500 | 5.00% | 5.12% | |
| 12 Month Share Certificate | Fixed | $500 | $500 | 4.50% | 4.59% | |
| 12 Month Add-On Share Certificate | Fixed | $100 | $100 | 4.50% | 4.59% | |
| 24 Month Share Certificate | Fixed | $500 | $500 | 3.50% | 3.56% | |
| 36 Month Share Certificate | Fixed | $500 | $500 | 2.75% | 2.78% | |
| 48 Month Share Certificate | Fixed | $500 | $500 | 2.75% | 2.78% | |
| Term IRA Certificate - Traditional, Roth, and Coverdell (ESA) Term IRA Certificates | ||||||
| 6 Month Term IRA Certificate | Fixed | $500 | $500 | 5.00% | 5.12% | |
| 12 Month Term IRA Certificate | Fixed | $500 | $500 | 4.50% | 4.59% | |
| 24 Month Term IRA Certificate | Fixed | $500 | $500 | 3.50% | 3.56% | |
| 36 Month Term IRA Certificate | Fixed | $500 | $500 | 2.75% | 2.78% | |
| 48 Month Term IRA Certificate | Fixed | $500 | $500 | 2.75% | 2.78% | |
| Youth Roth IRA and Youth ESA Term IRA Certificate | ||||||
| 12 Month Roth Term IRA Certificate | Fixed | $500 | $500 | 4.50% | 4.59% | |
| 12 Month Coverdell (ESA) IRA Certificate | Fixed | $500 | $500 | 4.50% | 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.
| 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 |
