Today’s 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 $20,000 | 7.99% | up to 48 months | |
| Personal Line of Credit | 9.99%2 | open-ended | |
| Secured Loans | |||
| Share Secured (Share yield + 2% margin) | 3.55% – 4.85% | ||
| Certificate Secured (Certificate yield + 2% margin) | 2.05% – 3.35% | ||
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*APR= Annual Percentage Rate. Rates as low as 7.99% APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 7.99% to 18.00% 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 48 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 7.99% for 48 months equals $24 per month. 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 4/9/2018. 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 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. 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. |
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| Loan Type | APR* |
Approximate Terms | Calculate Payments | |
| Vehicles | ||||
| New, Used & Refi1,2 | 2.49% – 16.49% | up to 36 months | ||
| New, Used & Refi1 | 2.74% – 17.49% | up to 60 months | ||
| New, Used & Refi1 | 2.99% – 8.24% | up to 72 months | ||
| New, Used & Refi1 | 3.24% – 5.99% | up to 84 months | ||
| Motorcycles | ||||
| New, Used & Refi1 | 5.99% – 8.74% | up to 36 months | ||
| New, Used & Refi1 | 6.74% – 9.99% | up to 60 months | ||
| Recreational Vehicles & Boats | ||||
| New, Used & Refi1 | 6.99% – 8.99% | up to 60 months | ||
| New, Used & Refi1 | 7.74% – 9.74% | up to 96 months | ||
| New, Used & Refi1 | 8.49% – 10.49% | up to 132 months | ||
| New, Used & Refi1 | 9.24% – 11.24% | up to 180 months | ||
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| FIXED Rate Loans | Rates1 | APR1 | Points | Payment per $1,000 Borrowed2 |
| Conforming Fixed Rate Mortgage Loans (Loan Amounts $453,100 & under) | ||||
| 30 Year Fixed | 5.000% | 5.016% | 0 | $5.37 |
| 4.875% | 4.978% | 1 | $5.29 | |
| 20 Year Fixed | 4.875% | 4.896% | 0 | $6.53 |
| 4.750% | 4.890% | 1 | $6.46 | |
| 15 Year Fixed | 4.625% | 4.651% | 0 | $7.71 |
| 4.500% | 4.677% | 1 | $7.65 | |
| 10 Year Fixed | 4.625% | 4.663% | 0 | $10.42 |
| 4.500% | 4.755% | 1 | $10.36 | |
| High Balance Mortgage Loans (Loan Amounts $453,101 to $679,650) | ||||
| 30 Year Fixed | 5.375% | 5.386% | 0 | $5.60 |
| 5.250% | 5.351% | 1 | $5.52 | |
| 15 Year Fixed | 4.875% | 4.893% | 0 | $7.84 |
| 4.750% | 4.920% | 1 | $7.78 | |
| ADJUSTABLE Rate Loans | Rates1 | APR1 | Points | Payment per $1,000 Borrowed in Current Market2 |
| 5/5 Adjustable Rate Mortgage Loans 3 | ||||
| 5/5 ARM3 (up to $636,150) | 3.250% | 3.260% | 0 | $4.35 |
| 5/5 ARM3 ($636,151 and over) | 3.500% | 3.510% | 0 | $4.49 |
| Conforming Adjustable Rate Mortgage Loans (Loan Amounts $453,100 & under) | ||||
| 3/1 ARM4 | 4.750% | 4.765% | 0 | $5.22 |
| 4.625% | 4.727% | 1 | $5.14 | |
| 5/1 ARM5 | 3.625% | 3.693% | 0 | $4.56 |
| 3.500% | 3.595% | 1 | $4.49 | |
| Jumbo Mortgage Loans (Loan Amounts $453,101 & over) | ||||
| 3/1 ARM4 | 5.000% | 5.011% | 0 | $5.37 |
| 4.875% | 4.973% | 1 | $5.29 | |
| 5/1 ARM5 | 3.875% | 3.885% | 0 | $4.70 |
| 3.750% | 3.842% | 1 | $4.63 | |
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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. 1. 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%. |
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| 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 | 0.35% | 0.35% | |
| 6 Months | Fixed | 0.50% | 0.50% | |
| 12 Months | Fixed | 1.00% | 1.00% | |
| 24 Months | Fixed | 1.15% | 1.15% | |
| 36 Months | Fixed | 1.24% | 1.25% | |
| 48 Months | Fixed | 1.49% | 1.50% | |
| Share and IRA Certificates Minimum Deposit $5,000 | ||||
| 6 Months | Fixed | 0.50% | 0.50% | |
| 12 Months | Fixed | 1.00% | 1.00% | |
| 24 Months | Fixed | 1.15% | 1.15% | |
| 36 Months | Fixed | 1.24% | 1.25% | |
| 48 Months | Fixed | 1.49% | 1.50% | |
| Share and IRA Certificates Minimum Deposit $50,000 | ||||
| 6 Months | Fixed | 0.50% | 0.50% | |
| 12 Months | Fixed | 1.00% | 1.00% | |
| 24 Months | Fixed | 1.15% | 1.15% | |
| 36 Months | Fixed | 1.24% | 1.25% | |
| 48 Months | Fixed | 1.49% | 1.50% | |
| Share and IRA Certificates Minimum Deposit $100,000 | ||||
| 6 Months | Fixed | 0.50% | 0.50% | |
| 12 Months | Fixed | 1.00% | 1.00% | |
| 24 Months | Fixed | 1.15% | 1.15% | |
| 36 Months | Fixed | 1.24% | 1.25% | |
| 48 Months | Fixed | 1.49% | 1.50% | |
| 12 Month Add-On Certificates Minimum Deposit $100 |
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| 12 Months up to $4,999 | Fixed | 1.00% | 1.00% | |
| Youth Roth IRA & ESA only | ||||
| 12 Months $500 | Fixed | 1.00% | 1.00% | |
| 12 Months $5,000 | Fixed | 1.00% | 1.00% | |
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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. |
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| 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 | 0.45% | 0.45% | |
| 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 | 0.20% | 0.20% | |
| Members’ Choice Money Market Accounts* | ||||||
| Tier 1 | variable | $2,500 | $2,500 | 0.30% | 0.30% | |
| Tier 2 | variable | $10,000 | $10,000 | 0.30% | 0.30% | |
| Tier 3 | variable | $25,000 | $25,000 | 0.30% | 0.30% | |
| Tier 4 | variable | $50,000 | $50,000 | 0.30% | 0.30% | |
| Tier 5 | variable | $75,000 | $75,000 | 0.35% | 0.35% | |
| Tier 6 | variable | $125,000 | $125,000 | 0.35% | 0.35% | |
| Tier 7 | variable | $200,000 | $200,000 | 0.35% | 0.35% | |
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*”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. Dividends will be compounded monthly and will be credited monthly. 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. |
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