Santa Clara County Federal Credit Union Logo

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 9.365% up to 48 months  
Personal Line of Credit 11.365%2 open-ended  
Secured Loans
Share Secured (Share yield + 2% margin)  3.55% – 4.85% up to 84 months  
Certificate Secured (Certificate yield + 2% margin)  2.05% – 3.35% Not to exceed Certificate Maturity  

*APR= Annual Percentage Rate. Rates as low as 9.365% APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 9.365% to 19.365% 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 9.365% for 48 months equals $25.07 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.

 

 

Loan Type APR*
Approximate Terms Calculate Payments
Vehicles
New, Used & Refi1 2.865% – 16.865% up to 36 months  
New, Used & Refi1 3.115% – 17.865% up to 60 months  
New, Used & Refi1 3.365% – 8.615% up to 72 months  
New, Used & Refi1 3.615% – 6.365% up to 84 months  
College Auto Loan Program2 7.99% up to 60 months  

Motorcycles
New, Used & Refi1 6.365% – 8.865% up to 36 months  
New, Used & Refi1 7.115% – 10.15% up to 60 months  
Recreational Vehicles & Boats
New, Used & Refi1  7.365% – 9.365% up to 60 months  
New, Used & Refi1 8.115% – 10.115% up to 96 months  
New, Used & Refi1 8.865% – 10.865% up to 132 months  
New, Used & Refi1 9.615% – 11.615% 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. You will be notified of the base rate for which you qualify when your loan request is approved. All rates include a 2% discount for automatic payments; if opting out of automatic payments add 2% to base rate. Payment example: Pay $29.02 per month per $1,000 borrowed at 2.865% 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. 7.99% 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% 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 7.99% for 60 months equals $20.28 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 Rate Loans

Rates1 APR1 Points Payment per $1,000 Borrowed2
 Conforming Fixed Rate Mortgage Loans (Loan Amounts $679,650 & under)
         
30 Year Fixed 4.500% 4.510%  0  $5.07
20 Year Fixed 4.250% 4.264%  0  $6.19
15 Year Fixed 4.125% 4.143%  0  $7.46
10 Year Fixed 4.125% 4.151%  0  $10.18
         
 Jumbo Fixed Loan Products (Loan Amounts $679,651 to $2,000,000)
         
30 Year Fixed 4.750% 4.757%  0  $7.78
15 Year Fixed 4.375% 4.388%  0  $7.59
         

Adjustable Rate Loans

Rates1 APR1 Points Payment per $1,000 Borrowed2
 Conforming Adjustable Rate Mortgage Loans (Loan Amounts $679,651 & under)
         
3/1 ARM 3.875% 3.885%  0  $4.70
7/1 ARM 4.000% 4.010%  0  $4.77
5/5 ARM 4.000% 4.010%  0  $4.77
10/10 ARM  4.250% 4.260%  0  $4.92
         
 Jumbo Loan Products (Loan Amounts $679,651 to $2,000,000)
         
3/1 ARM 4.125% 4.132% 0  $7.46
7/1 ARM 4.250% 4.257% 0  $7.52
5/5 ARM 4.250% 4.257% 0  $7.52
10/10 ARM 4.500% 4.507% 0  $7.65
         

1. APR=Annual Percentage Rate. The APR is not your interest rate. Your APR will vary based on the rate you qualify for, your final loan amount and finance charges.

2. Payment per $1,000 balance is based on the interest rate listed for the amortization term listed and is rounded to the nearest cent. Example: for a 30-year, $679,650 conforming mortgage with zero-points and a fixed rate of 5.000%, multiply 679,650 x $5.37 for an approximate payment amount of $3,649.72 (loan amount ÷ $1,000 x payment example = payment amount). The monthly payment amount shown includes principal and interest and does not include amounts for taxes and insurance premiums, if applicable. Your actual monthly payment will be higher if an escrow account is established or required. Private mortgage insurance (PMI) is required on mortgages that exceed 80% loan-to-value (LTV), and would also increase the payment amount.

Maximum loan amounts vary by locale depending on typical home prices. High Balance loans are available only in federally designated metropolitan areas.

County Federal offers mortgage loans for properties located in California only. Flood insurance may be required. Adequate property insurance must be maintained for the life of the loan. All loans subject to credit approval. Other restrictions may apply.

Rates valid as of today are subject to change without notice.

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
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%  

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

 

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%  

*”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.
Truth In Savings Disclosure
Fee Schedule

 

 

 

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