Competitive Rates
Account Type |
Rate Type |
Minimum Opening Balance |
Minimum Earning Balance |
Stated Dividend Rate |
Annual Percent Yield |
---|---|---|---|---|---|
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% |
Account Type |
Rate Type |
Minimum Opening Balance |
Minimum Earning Balance |
Stated Dividend Rate |
Annual Percent Yield |
---|---|---|---|---|---|
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% |
Account Type |
Rate Type |
Minimum Opening Balance |
Minimum Opening Balance |
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. |
||||
Account Type Tier 1 |
Rate Type Variable1 |
Minimum Opening Balance $2,500 |
Minimum Opening Balance $2,500 |
Annual Percent Yield 1.00% |
Account Type |
Rate Type |
Minimum Opening Balance |
Minimum Earning Balance |
Stated Dividend Rate |
Annual Percent Yield |
---|---|---|---|---|---|
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 |
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. |
|||||
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% |
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. |
|||||
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 Certificate1 Youth 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% |
Card Type |
APR1 (as low as) |
Term |
Calculate Payments |
---|---|---|---|
1APR = Annual Percentage Rate. Rates as low as 10.865%APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 10.865% 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 10.865% for 60 months equals $21.68 per month. For more payment samples, use our payment calculator or call 408-282-0700. 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) 15.99% |
Term open-ended |
Calculate Payments |
Card Type VISA Platinum Rewards |
APR1 (as low as) 18% |
Term open-ended |
Calculate Payments |
Card Type Share Secured VISA |
APR1 (as low as) 15.99% |
Term open-ended |
Calculate Payments |
Loan Type |
APR1 (as low as) |
Term |
---|---|---|
1APR = Annual Percentage Rate. Rates as low as 10.865%APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 10.865% 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 10.865% for 60 months equals $21.68 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) 10.865% |
Term up to 60 months |
Loan Type Personal Line of Credit |
APR1 (as low as) 12.865% |
Term open-ended |
Loan Type |
APR1 (as low as) |
Term |
---|---|---|
1APR = Annual Percentage Rate. Rates as low as 10.865%APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 10.865% 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 10.865% for 60 months equals $21.68 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 |
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 $30.54 per month per $1,000 borrowed at 6.265% 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 |
APR2 6.265% – 17.990% |
Terms up to 36 months |
Loan Type New, Used & Refi1 |
APR2 6.515% – 17.990% |
Terms up to 60 months |
Loan Type New, Used & Refi1 |
APR2 6.765% – 14.515% |
Terms up to 72 months |
Loan Type New, Used & Refi1 |
APR2 7.015% – 10.765% |
Terms up to 84 months |
Loan Type New, Used First Time Buyer Program1 |
APR2 10.015% – 11.765% |
Terms up to 60 months |
Loan Type College Auto Loan Program2 |
APR2 10.265% |
Terms up to 60 months |
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 $30.54 per month per $1,000 borrowed at 6.265% 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 7.740% – 13.990% |
Terms up to 36 months |
Loan Type New, Used & Refi1 |
APR 8.240% – 14.490% |
Terms up to 60 months |
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 $30.54 per month per $1,000 borrowed at 6.265% 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 8.490% – 15.740% |
Terms up to 60 months |
Loan Type New, Used & Refi1 |
APR 9.090% – 16.340% |
Terms up to 96 months |
Loan Type New, Used & Refi1 |
APR 9.690% – 16.940% |
Terms up to 132 months |
Loan Type New, Used & Refi1 |
APR 10.290% – 17.540% |
Terms up to 180 months |
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 |
||
Terms Up to 60 Months |
Rate Type Fixed |
APR 7.310% – 11.060% |
Terms Up to 120 Months |
Rate Type Fixed |
APR 7.665% – 11.415% |
Terms Up to 180 Months |
Rate Type Fixed |
APR 7.975% – 11.725% |
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 |
|
Rate Type Variable |
APR 7.750% – 9.500% |
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.
Check our mortgage rates