Friday, July 29, 2022 - The Gilroy Branch will be closing early today at 2:30 PM. We appreciate your understanding.
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Phone Banking System Maintenance: On Tuesday, May 31st, we’ll be performing scheduled maintenance for approximately 30 minutes, starting at 10:00 p.m. PDT and ending at 10:30 p.m. PDT. During this time, you won’t be able to access your account information over the phone. Online Banking Services will still be available. Thank you for your patience as we update our systems to better serve you.
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Notice: Online Banking and Mobile Banking are currently unavailable. We are working diligently to resolve this issue. Thank you for your patience.
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All County Federal offices and branches will be closed on October 10th, in observance of Indigenous Peoples' Day.
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Alert: Text scams are on the rise. Unsure about a message you received? Call us immediately at 800-282-6212 or visit your local branch - we’re here to help.
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Rates

Consumer Loan Rates
Loan TypeAPR as low as**TermCalculate Payments
Credit Cards
VISA Platinum2.990%1open-ended Summary of Credit Terms
VISA Platinum Rewards4.990%1open-ended Summary of Credit Terms
Share Secured VISA2.990%1open-ended Summary of Credit Terms
Unsecured Loans 
Personal Loan $500 to $30,0008.615%up to 48 months 
Personal Line of Credit11.615%2open-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 8.615% APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 8.615% to 17.990% 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 8.615% for 48 months equals $24.70 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 2.990% 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. 2 Refer to Disclosure for Personal Line of Credit.

Vehicle Loan Rates
Loan TypeAPR (2)Approximate TermsCalculate Payments
Vehicles
New, Used & Refi13.115% – 17.740%1 to 36 months 
New, Used & Refi13.240% – 17.990%37 to 60 months 
New, Used & Refi13.625% – 13.740%61 to 72 months 
New, Used & Refi13.990% – 10.365%73 to 84 months 
College Auto Loan Program28.365%up to 60 months 
Motorcycles
New, Used & Refi16.740% – 9.490%1 to 36 months 
New, Used & Refi1 7.490% – 10.740%37 to 60 months 
Recreational Vehicles & Boats
New, Used & Refi1  5.250% – 7.250%1 to 60 months 
New, Used & Refi1 5.750% – 7.750%61 to 96 months 
New, Used & Refi1 5.990% – 7.990%97 to 132 months 
New, Used & Refi1 6.750% – 8.750%133 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 $29.13 per month per $1,000 borrowed at 3.115% 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. 8.365% 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 8.365% for 60 months equals $20.45 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

Home Equity Loans

Home Equity Loans
ProductAPR as low as (1)Application Fee Annual Fee 
Variable6.750%$0$100Home Equity Line of Credit Terms
Fixed7.125%$0

(1) APR= Annual Percentage Rate. APRs quoted are our best rates and are accurate as of 09/26/2022, subject to change without notice. 6.750% APR up to 50% LTV. 7.000% up to 65% LTV and 7.250% 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.

Term Certificate Rates
Account Type & TermRate TypeDividend RateAnnual Percentage Yield* Calculator
Share and IRA Certificates Minimum Deposit $500
3 Months
(Not available as IRA or ESA)
Fixed0.500%0.500% 
6 MonthsFixed1.000%1.000% 
12 MonthsFixed1.490%1.500% 
24 MonthsFixed1.690%1.700% 
36 MonthsFixed1.790%1.800% 
48 MonthsFixed1.980%2.000% 
Youth Roth IRA & ESA only
12 Months $500Fixed1.490%1.500% 

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. Dividends will be compounded monthly and will be credited monthly. 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 information.

Truth In Savings Disclosure

Fee Schedule

Savings Rates
Account TypeRate TypeMinimum Opening BalanceMinimum Earning BalanceStated Dividend RateAnnual Percent Yield
Basic Accounts
Regular Share Savingsvariable$25$250.010%0.010%
Get Started Teen Savingsvariable$25$250.010%0.010%
Holiday & Vacation Clubsvariable$25$250.010%0.010%
Starts Free Accounts
Regular Share Savingsvariable$25$250.020%0.020%
Get Started Teen Savingsvariable$25$250.020%0.020%
Holiday & Vacation Clubsvariable$25$250.020%0.020%
Gets Better Accounts
Regular Share Savingsvariable$25$250.030%0.030%
Get Started Teen Savingsvariable$25$250.030%0.030%
Holiday & Vacation Clubsvariable$25$250.030%0.030%
Other Savings Accounts
M3 Money Clubvariable $25 $25 0.010% 0.010%
IRA Accumulation including Roth & ESAvariable $25 $250.030%0.030%
Youth Roth & ESA IRA Accumulationvariable $25 $250.030%0.030%
Escrow (Real Estate loans only)variable n/a n/a 2.000% 2.020%
Checking Accounts 
Rewards Checking – Starts Freevariable$25n/a0.000%0.000%
Rewards Checking – Gets Bettervariable$25$00.010%0.010%
Members’ Choice Money Market Accounts*
Tier 1variable$2,500$2,5000.250%0.250%
Tier 2variable$10,000$10,0000.250%0.250%
Tier 3variable$25,000$25,0000.250%0.250%
Tier 4variable$50,000$50,0000.250%0.250%
Tier 5variable$75,000$75,0000.250%0.250%
Tier 6variable$125,000$125,0000.250%0.250%
Tier 7variable$200,000$200,0000.250%0.250%

*”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
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
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