Notice: We are currently experiencing intermittent connectivity issues.  Online Banking and Mobile Banking are currently unavailable. Thank you for your patience as we work diligently to resolve this issue.
Notice: Campbell Branch is currently closed due to building maintenance. We apologize for the inconvenience and appreciate your understanding.
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Notice: Due to an outage, our phone system, ATM's, Branches, Online Banking and Mobile Banking are currently unavailable. Thank you for your patience as we work diligently to resolve this issue.
System Maintenance: On Thursday, February 15th, we’ll be performing a scheduled maintenance starting at 10 p.m. PST and ending at 2 a.m. PST on Friday, February 16th. During this time, Phone Banking will not be available. Thank you for your patience as we update our systems to better serve you.
We’re experiencing technical difficulties with our phone system. We apologize for the inconvenience.
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ALERT: DON'T BE MISLED. 
County Federal will never call, email or text you to ask for information. Questions? Dial us directly at 800-282-6212 - we’re happy to help.
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All County Federal offices and branches will be closed on May 27th, in observance of Memorial Day.
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Are you impacted by the severe weather? Contact us today to apply for our Emergency Relief Loan.

Rates

Consumer Loan Rates
Loan TypeAPR as low asTermCalculate 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 $30,00010.035%1up to 60 months 
Personal Line of Credit12.115%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 10.035%APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 10.035% 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 10.035% for 60 months equals $21.26 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 TypeAPRTermsCalculate Payments
Vehicles
New, Used & Refi16.435% – 17.990%up to 36 months 
New, Used & Refi16.685% – 17.990%up to 60 months 
New, Used & Refi16.935% – 14.685%up to 72 months 
New, Used & Refi17.185% – 10.935%up to 84 months 
New, Used First Time Buyer Program110.185% - 10.435%up to 60 months 
College Auto Loan Program210.435%up to 60 months 
Motorcycles
New, Used & Refi17.660% – 13.910%up to 36 months 
New, Used & Refi1 8.160% – 14.410%up to 60 months 
Recreational Vehicles & Boats
New, Used & Refi1  7.660% – 14.910%up to 60 months 
New, Used & Refi1 8.260% – 15.510%up to 96 months 
New, Used & Refi1 8.860% – 16.110%up to 132 months 
New, Used & Refi1 9.460% – 16.710%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 $30.62 per month per $1,000 borrowed at 6.435% 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. 10.435% 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 10.435% for 60 months equals $21.46 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 - Rates as of March 25, 2024
TermsRate TypeAPR
Up to 60 MonthsFixed7.310% – 11.060%
Up to 120 MonthsFixed7.665% - 11.415%
Up to 180 MonthsFixed7.975% - 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.

Home Equity Lines of Credit - Rates as of August 14, 2023
Loan TypeRate TypeAPR
Home Equity Line of CreditVariable8.500% - 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.

Savings Rates
Account TypeRate TypeMinimum Opening BalanceMinimum Earning BalanceStated Dividend RateAnnual Percent Yield
Share Savings - Savings Account
Regularvariable$25$250.10%0.10%
Youthvariable$25$250.10%0.10%
IRA Accounts
Traditional IRAvariable$25$250.10%0.10%
Roth IRAvariable$25$250.10%0.10%
Coverdell (ESA) IRAvariable$25$250.10%0.10%
Money Market Account (1)
Tier 1variable$2,500$2,5001.00%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.

Dividend Rate Schedule

Fee Schedule

Truth In Savings Disclosure

Term Certificate Rates (1) as of May 1, 2024
Account Type & TermRate TypeMinimum Opening BalanceMinimum Earning BalanceStated Dividend RateAnnual Percentage Yield Calculator
Term Share Certificates
3 Month Share CertificateFixed$500$5002.50%2.52% 
6 Month Share CertificateFixed$500$5002.75%2.78% 
12 Month Share CertificateFixed$500$5003.50%3.55% 
24 Month Share CertificateFixed$500$5003.25%3.29% 
36 Month Share CertificateFixed$500$5003.00%3.03% 
48 Month Share CertificateFixed$500$5003.00%3.03% 
Term IRA Certificate - Traditional, Roth, and Coverdell (ESA) Term IRA Certificates
6 Month Term IRA CertificateFixed$500$5002.75%2.78% 
12 Month Term IRA CertificateFixed$500$5003.50%3.55% 
24 Month Term IRA CertificateFixed$500$5003.25%3.29% 
36 Month Term IRA CertificateFixed$500$5003.00%3.03% 
48 Month Term IRA CertificateFixed$500$5003.00%3.03% 
Youth Roth IRA and Youth ESA Term IRA Certificate
12 Month Roth Term IRA CertificateFixed$500$5003.50%3.55% 
12 Month Coverdell (ESA) IRA CertificateFixed$500$5003.50%3.55% 
Youth Roth IRA and Youth ESA Term IRA Certificate
12 Month Roth Term IRA CertificateFixed$500$5004.50%4.58% 
12 Month Coverdell (ESA) IRA CertificateFixed$500$5004.50%4.58% 
Limited Time! – 11 Month Certificate*
11 Month CertificateFixed$500$5005.15%5.25% 

*Annual Percentage Yield (APY) is accurate as of 05/01/2024. APY assumes interest remains on deposit until maturity, any withdrawal will reduce earnings. The 11-Month Certificate (Share Only) requires a $500 minimum deposit. Certificates must be partially funded by new money (50% or more). Excludes IRA and ESA certificates. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate accounts are subject to membership eligibility, terms, and fees. Certificate account will automatically renew at maturity to the 12-month certificate fixed rate in effect at that time unless you withdraw all the funds in the account at maturity or within a grace period of 6 days after maturity. Santa Clara County Federal Credit Union reserves the right to cancel or modify this offer at any time without prior notice. This is a limited time offer.

(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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