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.
Find the nearest branch or ATM.
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.
Find the nearest branch or ATM.
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.
Find the nearest branch or ATM.
All County Federal offices and branches will be closed on May 27th, in observance of Memorial Day.
Find the nearest branch or ATM.
Are you impacted by the severe weather? Contact us today to apply for our Emergency Relief Loan.

Why You Should Consider a Credit Union for Your Home Loan

pros and cons of banks and credit unions

Buying a new home is often one of life's most exciting experiences. Yet, given the size of the investment and the complexity of the process, it may also be somewhat stressful. It's not enough to find the home of your dreams; you also need to make sure you get the best deal possible on your home loan. In many cases, this means reaching out to your local credit union.

According to, more homes will be on the market this year. However, mortgage rates are expected to rise, which should give prospective buyers some urgency to start their search sooner rather than later. Let's take a closer look at why financing through a credit union is often the best choice for new home buyers.

Competitive Rates

Competitive rates and lower fees are two of the primary reasons to opt for a credit union rather than a bank. While banks and credit unions offer many of the same products and services (and are both federally insured), credit unions typically have lower fees and will pay you higher interest on your deposits. This is because credit unions are not-for-profit organizations. Unlike banks, they don't have to maximize profits for shareholders.

Personalized Service

In addition to lower fees and costs, you'll often receive a more personal level of service at your credit union. The largest corporate banks have hundreds of thousands of customers and can't replicate the responsiveness or personal touch of a credit union. Additionally, if you have a bank home loan, the company servicing your mortgage may change repeatedly, which is something that's less likely to happen with a credit union

A credit union might be your best option

If you're in the market for a home loan this year, a credit union might be your best option. Credit unions offer lower fees, competitive rates and personalized service that most banks can't match. Contact County Federal to get started on your home loan today.

Back to Blog Posts

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