Auto & RV

County Schools Federal Credit Union works hard to earn a reputation of excellent service from our members. That's why we make an extra effort when trying to create the vehicle loan that is best for you.

When making your purchase we may often cover everything: 100 percent of the purchase price including tax, license, and extended warranty.

To apply for a loan, please click here.

Partners in Excellence Auto Dealer Program

We have partnered in a "Dealer Direct" lending program with several well-known dealerships in Ventura County. The Dealers are committed to treat our members with special courtesy and to offer special pricing. To see a list of our Partners In Excellence, please click here.

RV, Watercraft, Motorcycle

If you are looking for a new or used RV, motorcycle, watercraft, or the trailer to haul your new toy, County Schools Federal Credit Union has the loan for you.

To apply for a loan, please click here.

Personal

A personal loan is a loan you take out with the Credit Union to do the things that you want, or need to do. It is a loan made based on your good credit history, income and your signature promising that you will repay the loan according to the terms and conditions of the loan agreement.

For more information, please contact the credit union at (805) 644-4657. To apply for a loan, please click here.

Student

You need to focus on three issues:

1. The type of loan products available
2. How much is needed and how to apply for it
3. How the loans are repaid

Types of Loans:

• Federal Stafford Loans
1. Subsidized     A need based loan. With this loan, interest is paid by the government while you are in school and during the six months following graduation.
2. Unsubsidized     Interest is paid by the borrower, but it may be deferred until graduation, or paid while you are still in school.
3. PLUS loan     This loan is not based on need. All credit-worthy parents are eligible. There are fees charged for this loan charged by the guarantor and the government and they are deducted from the loan proceeds. Interest may be tax deductible. Repayment begins 60 days after the loan is fully disbursed.

Applying for a Student Loan:

1. Complete the Free Application for Federal Student Aid (FASFA).
2. A Student Aid Report (SAR) will be created once the FAFSA has been processed. You or your child will receive a copy and so will the school listed on the application.
3. An award letter from the school will notify you of the financial award. You will also receive a Master Promissory Note to complete. Take a copy of the award letter to the credit union along with the completed Master Promissory Note.
4. Loans are disbursed in two or more payments on dates established by the school. The funds are sent directly to the school.
5. If the financial aid is not sufficient to cover the costs, a parent or stepparent can apply for a PLUS loan. Call or stop in for an application.

Congratulations! You are on your way…WELCOME HOME!

Overdraft

County Schools Federal Credit Union's overdraft loan provides you the flexibility of using your checking account without the worry of writing a bad check. With the overdraft loan you will avoid embarrassing charges both here at the Credit Union and at the place of business.

The overdraft loan is a revolving line of credit and provides you with the following:

• Loan amounts ranging from $500 to $1,000. Members in good standing are eligible for a $500.00 limit if you have a checking account and a VISA debit card.
• The affordable interest rate begins accruing the date the loan is activated.

For more information, please contact one of our Loan Officers by calling (805) 644-4657. To apply for a loan, please click here. Our goal is to make your every experience with County Schools Federal Credit Union very satisfying and more than worth your time. Again, thank you for choosing County Schools Federal Credit Union, your full service financial institution.

Share Secured

You can use either your Savings account or Share Certificate to secure a loan up to the value of your account. Your loan rate is 4% above the interest you are earning on the account you have secured for the loan. For example, if you use your savings account, the interest rate on your share secured loan would be 4.50%. To apply for a loan please click here.