Santa Clara County Federal Credit Union


Overview / Commentary
408-282-0700
1641 N 1St St Suit 170
San Jose, CA 95112

Santa Clara County Federal Credit Union is headquartered in San Jose and is the 64th largest credit union in the state of California. It is also the 445th largest credit union in the nation. It was established in 1950 and as of December of 2023, it had grown to 134 employees and 47,327 members at 6 locations. Santa Clara County Federal Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership to Santa Clara County Federal Credit Union is open to all U.S. citizens and resident aliens through membership in the American Consumer Council. Employees of more than 200 select employer groups and students of more than 350 area schools also qualify for membership.
See current membership details

Reviews (1)

Loan Issues

I received a car loan years ago with little/no issues. Today i went to get one and it seems like they are dragging their feet once they have already run the credit check and they have continued asking for one thing after the next almost as if they don't want to provide the loan. Also my loan "officer" is not helpful and just tells me what I HAVE to do to get the loan and was not helpful at all. Closing my accounts and moved my car loan elsewhere where it was almost instantly approved.



Health
B+

Health Grade Components

Overall
NCUA #24299
Year Chartered1950
Employees134
Primary Regulator
Profit Margin
Return on Assets - YTD0.58%
Return on Equity - YTD9.44%
Annual Interest Income$41.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$977.2MM$961.4MM
LoansQ4 2023vs Q4 2022$506.7MM$513.1MM
DepositsQ4 2023vs Q4 2022$889.6MM$876.6MM
Equity CapitalQ4 2023vs Q4 2022$60.1MM$54.3MM
Loan Loss AllowanceQ4 2023vs Q4 2022$2.8MM$2.1MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$4.3MM$2.6MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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Santa Clara County Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$25-Regular Share Savings - Basic
0.10%$25-Roth IRA Savings
0.10%$25-Youth Share Savings
0.10%$25-Traditional IRA Savings
0.10%$25-Coverdell (ESA) IRA

Santa Clara County Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$2.5k-Money Market Account

Santa Clara County Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.55%$500-12 Month CD
3.29%$500-24 Month CD
3.03%$500-36 Month CD
3.03%$500-48 Month CD
2.78%$500-6 Month CD
2.52%$500-3 Month CD

Santa Clara County Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.55%$500-12 Month IRA CD
3.55%$500-12 Month Youth Roth Term IRA CD
3.55%$500-12 Month Youth Coverdell (ESA) IRA CD
3.29%$500-24 Month IRA CD
3.03%$500-36 Month IRA CD
3.03%$500-48 Month IRA CD
2.78%$500-6 Month IRA CD
Locations


Santa Clara County Federal Credit Union Locations
Branch Office1638 W Campbell AveCampbell, CA 95008
Branch Office6915 Camino ArroyoGilroy, CA 95020
Branch Office5353 Almaden ExpySan Jose, CA 95118
Branch Office255 N White RdSan Jose, CA 95127
Branch Office70 W Hedding StSan Jose, CA 95110-1705
Corporate Office2099 Gateway Pl Ste 140San Jose, CA 95110

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