Santa Clara County Credit Union San Jose CA | Top Credit Cards & Business Banking

Introduction

Welcome to Santa Clara County, your trusted financial partner located at 255 N White Rd, San Jose, CA 95127. Established in 1950, we have proudly served our community for over seven decades, building strong relationships and supporting our members' financial journeys. With a total membership of 47,387 and assets exceeding $983,542,662, we are committed to providing personalized banking solutions that meet your unique needs. At Santa Clara County, we believe that banking should be accessible and straightforward. That's why we offer a variety of services ranging from personal checking and savings accounts to auto loans, mortgages, and business banking solutions. Our dedicated team of 131 employees is here to help you navigate your financial goals with confidence. Led by our CEO, Rebecca Reynolds Lytle, and Board President Traci Hess, we prioritize the well-being of our members above all else. We are proud to maintain a net worth of $94,912,021 and ensure that our services remain reliable and secure. Whether you're looking to consolidate debt or invest in your future, our resources are designed to empower you every step of the way. While members can visit us at our branch for assistance, official correspondence should be sent to the same address: 255 N White Rd, San Jose, CA 95127. Explore more about what we offer by visiting our website at sccfcu.org. We invite you to call us at 408-938-2894 or stop by during our convenient operating hours: Monday to Thursday from 10 AM to 5:30 PM, Friday from 10 AM to 6 PM, and Saturday from 10 AM to 2 PM. Join us today and experience the difference that comes with being part of the Santa Clara County family!

Branch History & Mission

At Santa Clara County Credit Union, our journey began in 1950, when we opened our doors at 255 N White Rd, San Jose, CA 95127. Over the decades, we have grown from a small local credit union into a trusted financial partner for over 47,000 members. With total assets of nearly $984 million, we pride ourselves on offering personalized financial solutions that cater to the diverse needs of our community. Our mission is simple yet profound: to empower our members with accessible and affordable financial services while fostering a sense of community. We believe that everyone deserves the chance to achieve their financial goals, whether it's buying a new car, purchasing a home, or saving for the future. Our team is dedicated to providing support through various services including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. As part of our commitment to serving our members and the surrounding community in San Jose, we continuously strive to innovate and enhance our offerings. We provide convenient access to banking through online and mobile platforms, ensuring that you can manage your finances anytime and anywhere. Our commitment to accessibility also includes ADA-compliant facilities at our branch. While members can visit us at 255 N White Rd for all their banking needs, official correspondence should be sent to the same address. We are open Monday through Thursday from 10 AM to 5:30 PM, Friday from 10 AM to 6 PM, and Saturday from 10 AM to 2 PM. Whether you prefer face-to-face interactions or digital transactions, we are here to serve you. Community outreach is a cornerstone of our values. We actively engage in partnerships with local organizations and participate in events that uplift those around us. By investing back into San Jose and its residents, we aim not only to grow as a credit union but also to contribute positively to society. Join us at Santa Clara County Credit Union today! Experience the benefits of membership where you are more than just an account number; you are part of a family that cares about your financial well-being. For more information or to open an account online, visit our website. Let us help you turn your dreams into reality!

Branch Location & Accessibility

Operating Hours

We know your time is valuable, which is why we offer flexible hours to serve you better. Our lobby is open Monday through Thursday from 10 AM to 5:30 PM, Friday from 10 AM to 6 PM, and Saturday from 10 AM to 2 PM. Whether you have a quick question or need assistance with your accounts, we're here for you during these convenient times!

Services Available

At the Santa Clara County East San Jose Branch, we provide a range of services tailored for personal banking and beyond. From checking and savings accounts to auto loans and mortgage refinancing options, our team is ready to help you navigate your financial journey. Plus, with ATM access available on-site, cash withdrawals are always hassle-free. While we don't currently offer drive-thru banking or shared service center options, our dedicated staff is eager to assist you inside the branch. For any inquiries or assistance needed before your visit, feel free to give us a call at 408-938-2894. We look forward to welcoming you soon! Come experience all the ways we can help enhance your banking experience at Santa Clara County's East San Jose Branch!

Member Eligibility

At Santa Clara County, we believe that everyone deserves a chance to be part of a supportive community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in Santa Clara County, you're likely eligible to join us. We pride ourselves on offering personal banking services that cater to your unique needs, whether it's checking and savings accounts, auto loans, or credit cards with rewards. To start your membership journey, just visit us at our branch located at 255 N White Rd San Jose Ca 95127 or give us a call at (408) 938-2894. You can also find more detailed eligibility criteria by checking out our website here: . Once you're ready to open an account, you'll find the process straightforward and friendly; just head over to this link for all the details: https://www.mirastarfcu.org/open-account/. Join us today and experience the advantages of being a part of Santa Clara County!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Whether you're looking to expand your operations or invest in new equipment, we are here to help you navigate the financial landscape.

Merchant Services Tailored for You

In addition to traditional loans, we offer merchant services that make transactions smooth and efficient. Imagine being able to accept payments easily whether online or in-store allowing you to focus on what really matters: growing your business. With our tools at your disposal, managing your cash flow becomes simpler, giving you peace of mind as you serve your customers. If you're ready to take your business to the next level, visit us at 255 N White Rd San Jose Ca 95127 or call us at (408) 938-2894. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With 24/7 access to our ATMs, withdrawing cash has never been easier. You can check balances or perform basic transactions whenever needed because we believe in providing convenience wherever you are. At Santa Clara County, we're committed to making banking accessible and straightforward for everyone. Our friendly staff is ready to assist you with any questions or services you need. Feel free to reach out at (408) 938-2894 or visit us during our operating hours: Monday through Thursday from 10 AM to 5:30 PM, Friday from 10 AM to 6 PM, and Saturday from 10 AM to 2 PM. We invite you to explore all the services we offer at East San Jose Branch. Your financial journey starts here!

Auto Loans & Vehicle Financing

Thinking about getting a new car? We offer competitive auto loans and vehicle financing options that make it easier than ever to drive away in the car of your dreams. With flexible terms and low rates, we work with you to find a loan that fits your budget.

Business Banking

Running a business? We understand how crucial it is to have reliable financial support. Our business banking services, including merchant services and business loans, are tailored to help entrepreneurs like you thrive in today's market.

Credit Cards with Rewards

For those who enjoy earning rewards while spending, our credit cards with rewards program offers benefits that make each purchase more rewarding. From cashback offers to travel points, you'll earn perks just for using your card.

Mortgage Loans & Refinancing

If homeownership is on your radar, our mortgage loans and refinancing services can help turn that dream into reality. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our team is here to guide you through every step of the process.

Online & Mobile Banking

To make managing your finances as convenient as possible, we offer robust online and mobile banking features. You can easily check balances, transfer funds, pay bills, and even deposit checks from the comfort of your home or on the go.

Personal Banking

Our personal banking options include checking and savings accounts designed to help you grow your savings while offering easy access to your funds. Imagine having a checking account that fits seamlessly into your daily life, allowing you to manage bills and everyday expenses without hassle. Our savings accounts are ideal for building an emergency fund or saving for special occasions.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses at you, which is why we provide personal loans and debt consolidation solutions. These options allow you to manage those surprise costs effectively, giving you the peace of mind you need when life gets challenging.

Digital & Online Banking

Key Services

Our online banking service is available 24/7 at https://www.mirastarfcu.org/. This means you can check your balances, pay bills, or transfer money at any time that suits you. If you're someone who enjoys keeping track of their finances on the go, you'll love our mobile application. It's packed with features that allow you to manage your accounts right from your smartphone. For added convenience, we also offer electronic signature authorization, making it easier than ever to sign documents without having to visit a branch. Plus, you can opt for e-statements instead of paper statements, which not only helps the environment but also keeps your financial information organized and accessible.

Security and Ease of Use

We prioritize your security with advanced measures that keep your information safe while you bank online. You can enjoy peace of mind knowing that your transactions are protected. In addition to traditional banking functions, our platform offers mobile payments and person-to-person transfers. Want to split the bill with a friend? Just use our easy person-to-person transfer feature! It's simple and quick, allowing you to send money in just a few taps. Whether you're at home or out and about, managing your finances has never been easier. With Santa Clara County, you get real-time account management right at your fingertips!

Financial Strength

Committed Team

We take pride in having 131 full-time employees who are always ready to serve you with a knowledgeable and committed team. Together, we work to create an environment where your needs come first.

Member-Centric Savings

Members' savings are secured through $161,932,159 in share certificates and $142,550,768 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinventing Member Services

With $89,579,256 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $5,320 in used auto loans and $546,731,909 in total loans and leases. Our operational efficiency is reflected in our impressive net income of $4,837,597, enabling us to continue offering competitive loan rates and solid financial products for our members.

Solid Financial Foundation

With a net worth of $94,912,021, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 965% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Community Trust

Total Share Accounts stand at 92,829, showcasing a strong and growing member base that trusts us with their finances. Our focus is not just on numbers; it's about building lasting relationships with our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Santa Clara County is your trusted partner. Visit us at 255 N White Rd San Jose Ca 95127 or call 408-938-2894 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $106,193,491 in used vehicle loans and $42,061,722 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates for both new and used vehicles, making it easier for you to drive away with your dream car.

Credit Lines and Unsecured Loans

For those looking for added flexibility, we offer total credit lines loans amounting to $248,936,186. This option is ideal for managing unexpected expenses or funding larger purchases without breaking the bank. Additionally, our unsecured credit card loans, totaling $22,508,738, provide an excellent way to manage daily expenses while earning rewards on your purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $114,946,191, make buying or refinancing simple. We are committed to guiding you through every step of the mortgage process, ensuring you find a solution that fits your budget and lifestyle.

Refinancing Options

If you're considering refinancing any existing loans, we have options available that could lower your payments or help you pay off your debt faster. Our team is ready to assist you in understanding eligibility requirements and finding the best refinancing solution tailored to your needs. For any inquiries or personalized assistance regarding our loan offerings, feel free to contact us at (408) 938-2894. We are here to help you navigate your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at our branch located at 255 N White Rd San Jose Ca 95127 in San Jose, CA, or check out our website for more information about how we can assist you with your lending needs!

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