Competitive Rates

Share Savings – Savings Account Rates
Account Type	Rate Type	Minimum Opening Balance	Minimum Earning Balance	Stated Dividend Rate	Annual Percent Yield
Dividend Rate Schedule Fee Schedule Truth In Savings Disclosure
Account Type Regular	Rate Type Variable	Minimum Opening Balance $25	Minimum Earning Balance $25	Stated Dividend Rate 0.10%	Annual Percent Yield 0.10%
Account Type Youth	Rate Type Variable	Minimum Opening Balance $25	Minimum Earning Balance $25	Stated Dividend Rate 0.10%	Annual Percent Yield 0.10%

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IRA Account Rates
Account Type	Rate Type	Minimum Opening Balance	Minimum Earning Balance	Stated Dividend Rate	Annual Percent Yield
Dividend Rate Schedule Fee Schedule Truth In Savings Disclosure
Account Type Traditional IRA	Rate Type Variable	Minimum Opening Balance $25	Minimum Earning Balance $25	Stated Dividend Rate 0.10%	Annual Percent Yield 0.10%
Account Type Roth IRA	Rate Type Variable	Minimum Opening Balance $25	Minimum Earning Balance $25	Stated Dividend Rate 0.10%	Annual Percent Yield 0.10%
Account Type Coverdell (ESA) IRA	Rate Type Variable	Minimum Opening Balance $25	Minimum Earning Balance $25	Stated Dividend Rate 0.10%	Annual Percent Yield 0.10%

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Money Market Account¹ Rates
Account Type	Rate Type	Minimum Opening Balance	Minimum Opening Balance	Stated Dividend Rate	Annual Percent Yield
¹This 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
Account Type Tier 1	Rate Type Variable¹	Minimum Opening Balance $2,500	Minimum Opening Balance $2,500	Stated Dividend Rate 1.00%	Annual Percent Yield 1.00%

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Share Draft – Checking Account Rates
Account Type	Rate Type	Minimum Opening Balance	Minimum Earning Balance	Stated Dividend Rate	Annual Percent Yield
Dividend Rate Schedule Fee Schedule Truth In Savings Disclosure
Account Type Free Checking	Rate Type N/A	Minimum Opening Balance $5	Minimum Earning Balance N/A	Stated Dividend Rate N/A	Annual Percent Yield N/A
Account Type Youth – Free Checking	Rate Type N/A	Minimum Opening Balance $5	Minimum Earning Balance N/A	Stated Dividend Rate N/A	Annual Percent Yield N/A

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Limited Time! – 11 Month Certificate¹
Account Type & Term	Rate Type	Minimum Opening Balance	Minimum Earning Balance	Stated Dividend Rate	Annual Percentage Yield²
¹Annual 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. ²The 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
Account Type & Term 11 Month Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 5.15%	Annual Percentage Yield² 5.25%

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Term Share Certificate Rates
Account Type & Term	Rate Type	Minimum Opening Balance	Minimum Earning Balance	Stated Dividend Rate	Annual Percentage Yield¹
¹The 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
Account Type & Term 3 Month Share Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 2.50%	Annual Percentage Yield¹ 2.52%
Account Type & Term 6 Month Share Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 2.75%	Annual Percentage Yield¹ 2.78%
Account Type & Term 12 Month Share Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.50%	Annual Percentage Yield¹ 3.55%
Account Type & Term 24 Month Share Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.25%	Annual Percentage Yield¹ 3.29%
Account Type & Term 36 Month Share Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%
Account Type & Term 48 Month Share Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%

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Traditional, Roth, and Coverdell (ESA) Term IRA Certificate Rates¹
Account Type & Term	Rate Type	Minimum Opening Balance	Minimum Earning Balance	Stated Dividend Rate	Annual Percentage Yield¹
¹The 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
Account Type & Term 6 Month Term IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 2.75%	Annual Percentage Yield¹ 2.78%
Account Type & Term 12 Month Term IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.50%	Annual Percentage Yield¹ 3.55%
Account Type & Term 24 Month Term IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.25%	Annual Percentage Yield¹ 3.29%
Account Type & Term 36 Month Term IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%
Account Type & Term 48 Month Term IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%
Account Type & Term 12 Month Term IRA Certificate¹Youth Roth IRA and Youth ESA	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.50%	Annual Percentage Yield¹ 3.55%

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Credit Card Rates
Card Type	APR¹ (as low as)	Term	Calculate Payments
¹APR = 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. ²Current Purchase, post-introductory Balance Transfer, and Cash Advance APRs are 15.99% for VISA Share Secured and VISA Platinum and 18.00% for VISA Platinum Rewards (as of 07/08/2024). These are variable rate accounts. We add a “Margin” of 7.740% to the Prime Rate (currently 8.25% as of 07/08/2024) to determine the VISA Share Secured and VISA Platinum Purchase, post-introductory Balance Transfer, and Cash Advance APRs (the daily periodic rate for Purchases, post-introductory Balance Transfers, and Cash Advances is currently 0.0438%); maximum APR 18% (corresponding to a daily periodic rate of 0.0493%). We add a “Margin” of 10.740% to the Prime Rate to determine the VISA Rewards APR for Purchases, Balance Transfers, and Cash Advances (the daily periodic rate is currently 0.0493%); maximum APR 18% (corresponding to a daily periodic rate of 0.0493%). The rates disclosed above are offered to approved applicants and depend on credit qualifications. Rates are variable and rates and terms are subject to change. All loans are subject to credit approval and income verification. If under 21, you 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. Balance transfer offer available for 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.
Card Type VISA Platinum	APR¹ (as low as) 2.990%²	Term open-ended	Calculate Payments Summary of Credit Terms
Card Type VISA Platinum Rewards	APR¹ (as low as) 4.990%²	Term open-ended	Calculate Payments Summary of Credit Terms
Card Type Share Secured VISA	APR¹ (as low as) 2.990%²	Term open-ended	Calculate Payments Summary of Credit Terms

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Unsecured Loan Rates
Loan Type	APR¹ (as low as)	Term
¹APR= 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.
Loan Type Personal Loan $500 to $30,000	APR¹ (as low as) 10.035%	Term up to 60 months
Loan Type Personal Line of Credit	APR¹ (as low as) 12.115%	Term open-ended

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Secured Loan Rates
Loan Type	APR¹ (as low as)	Term
¹APR= 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.
Loan Type Share Secured _{(Share yield + 2% margin)}	APR¹ (as low as) 2.10% – 2.10%	Term up to 84 months
Loan Type Certificate Secured _{(Certificate yield + 2% margin)}	APR¹ (as low as) 4.52% – 5.55%	Term Not to exceed Certificate Maturity

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Vehicle Loan Rates
Loan Type	APR²	Terms
¹Risk 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. ²APR = 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.
Loan Type New, Used & Refi¹	APR² 6.435% – 17.990%	Terms up to 36 months
Loan Type New, Used & Refi¹	APR² 6.685% – 17.990%	Terms up to 60 months
Loan Type New, Used & Refi¹	APR² 6.935% – 14.685%	Terms up to 72 months
Loan Type New, Used & Refi¹	APR² 7.185% – 10.935%	Terms up to 84 months
Loan Type New, Used First Time Buyer Program¹	APR² 10.185% – 10.435%	Terms up to 60 months
Loan Type College Auto Loan Program²	APR² 10.435%	Terms up to 60 months

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Motorcycle Loan Rates
Loan Type	APR	Terms
¹Risk 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.
Loan Type New, Used & Refi¹	APR 7.660% – 13.910%	Terms up to 36 months
Loan Type New, Used & Refi¹	APR 8.160% – 14.410%	Terms up to 60 months

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Recreational Vehicle & Boat Loan Rates
Loan Type	APR	Terms
¹Risk 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.
Loan Type New, Used & Refi¹	APR 7.660% – 14.910%	Terms up to 60 months
Loan Type New, Used & Refi¹	APR 8.260% – 15.510%	Terms up to 96 months
Loan Type New, Used & Refi¹	APR 8.860% – 16.110%	Terms up to 132 months
Loan Type New, Used & Refi¹	APR 9.460% – 16.710%	Terms up to 180 months

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Featured Rate Special

30-Year Fixed Mortgage Loan

As low as

7.46 %

APR¹

Mortgage Support

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 $3 million.

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Home Equity Loan Rates
Terms	Rate Type	APR
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. 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.
Terms Up to 60 Months	Rate Type Fixed	APR 6.050% – 10.830%
Terms Up to 120 Months	Rate Type Fixed	APR 6.550% – 11.230%
Terms Up to 180 Months	Rate Type Fixed	APR 6.404% – 11.190%

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Home Equity Line of Credit Rates
Rate Type	APR
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.
Rate Type Variable	APR 6.570% – 8.500%

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