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Credit Unions | San Jose Federal Credit Union

San Jose Federal Credit Union

San Jose Federal Credit Union is a NCUA insured federal credit union headquartered at 140 Asbury Street, San Jose, CA 95110.
It was founded in 1932 and has approximately $139 million in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - May 07, 2025

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

Third Federal Savings and Loan
NMLS ID: 449401 / Updated 2025-05-07
Equal Housing Lender

Intro APR: 6.990 %
After Intro:6.990 %

Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-05-07

Intro APR: 7.350 %
After Intro:7.350 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

New American Funding, LLC
NMLS ID: 6606 / Updated 2025-05-07

Cash-Out and Home Equity Options Available.

Competitive Rates for FICO Scores 580-679
366k+ positive reviews, A rating from the BBB
Pay off higher interest rate credit cards, Pay college tuition
100% online mortgage application available

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-05-01

Intro APR: 7.350 %
After Intro:7.350 %

$15,000

Flexible terms, borrow $15K-$400K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-04-18

Intro APR: 6.490 %
After Intro:7.750 %
Intro Period: 12 months

$25,000

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K[3]
On average, access funds within 35 days[5]

Upstart
NMLS ID: 2443873 / Updated 2025-05-07

As low as 6.3% APR on your initial draw*

As low as 6.3% APR on your initial draw*
Get your money up to 6x faster than the industry standard*
Fixed rate on each draw*
No paperwork needed to apply

Achieve Loans
NMLS ID: 1810501 / Updated 2025-03-31

Intro APR: 8.750 %
After Intro:8.750 %

Competitive rates, Pre-qualify in minutes
Mortgage Advisors standing by to help find the best solution
Flexible terms with fast funding
Minimum credit score: 640

Figure Home Equity Line
NMLS ID: 1717824 / Updated 2025-05-07
Equal Housing Lender

HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online.

Fastest way to turn home equity into cash
Flexible terms, redraw up to 100%, borrow $15k-$400k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project

Spring EQ
NMLS ID: 1464945 / Updated 2025-05-07

The leader for homeowners tapping cash from their homes since 2016.

Access up to 90% of your home's equity, up to a maximum of $500,000.
FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
A fixed rate for life- no need to worry about fluctuating rates.
We make it easy - and fast - to access your cash (as little as 11 days).

AmeriSave Mortgage Corporation
NMLS ID: 1168 / Updated 2025-05-07

Home Equity Loans & Refinance – Cash out

Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business

District Lending
NMLS ID: 598623 / Updated 2025-05-07

No Lender Fees

No Lender Fees
Fast
Easy
Over 20 Years Experience

PenFed Credit Union
NMLS ID: 401822 / Updated 2025-05-07
Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender
Loans Amounts from $25,000 - $500,000
Get a HELOC from PenFed to Put Your Home Equity to Work
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans

Unlock Technologies, Inc.
NMLS ID: Not a Lender / Updated 2025-05-07

Get cash now in exchange for a percentage of your homes future equity.

No monthly payments or interest charges
Minimum Credit score: 500
Access up to $500k
No need to refinance

CrossCountry Mortgage, LLC
NMLS ID: 3029 / Updated 2025-05-07

Unlock Your Home's Potential

Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
Unlock Your Home's Value: Discover the Power of our Online HELOC!
Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
Secure Your Future: Experience the Ease of our Fixed Home Equity Loans

Point Digital Finance
NMLS ID: Not a Lender / Updated 2025-05-07

Get up to $500k with no monthly payments, ever.

No income requirements or need for perfect credit
Your home wealth, to use your way
Find out if you qualify in as little as 60 seconds
Home Equity Investments are not considered a loan in all states

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

District Lending
NMLS ID: 1835285

6.368%

$1,971 Fees & Points $4,000 Total
0.750 Pts ($2,400)
$1,600 Fees

Get an exceptional mortgage rate, be happy.

Midwest Mortgage Lending
NMLS ID: 2262032
License#: RM.804810.000

6.387%

$1,971 Fees & Points $4,650 Total
0.625 Pts ($2,000)
$2,650 Fees

live rates online at midwestmrtg.com

Pure Rate Mortgage
NMLS ID: 2578474

6.459%

$1,997 Fees & Points $2,810 Total
0.550 Pts ($1,760)
$1,050 Fees

Pure Rate equals Pure Savings
We provide real-time access to premier wholesale lenders
Delivering wholesale pricing instantly

Green Lending, LLC
NMLS ID: 2598612

6.474%

$1,997 Fees & Points $3,535 Total
0.789 Pts ($2,525)
$1,010 Fees

Personalized mortgage solutions designed for your lifestyle.
Expert advice and support every step of the way.
Simplifying the mortgage process so you can focus on living.

Loansteady
NMLS ID: 1701910

6.502%

$1,997 Fees & Points $4,290 Total
0.875 Pts ($2,800)
$1,490 Fees

Consolidate debt or renovate your home
Easy online application process
Low Rates: Quick Quote and Approval

Allied Mortgage Group, Inc.
NMLS ID: 1067

6.589%

$2,023 Fees & Points $2,986 Total
0.933 Pts ($2,986)
$0 Fees

Streamlined Process
Expertise
Customer Service

Cornerstone Capital Lending
NMLS ID: 2627028

6.600%

$2,023 Fees & Points $3,443 Total
0.675 Pts ($2,160)
$1,283 Fees

Loan options for all kinds of situations. Home loans, Investor loans, DSCR.

Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894

6.711%

$2,049 Fees & Points $2,863 Total
0.676 Pts ($2,163)
$700 Fees

A brand you know and trust
Quick and efficient process
Mortgage products to fit your needs

PenFed Credit Union
NMLS ID: 401822

6.818%

$2,049 Fees & Points $6,400 Total
1.000 Pts ($3,200)
$3,200 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

Sebonic
NMLS ID: 66247

6.824%

$2,076 Fees & Points $2,435 Total
0.761 Pts ($2,435)
$0 Fees

Whether it's time to buy or refi, we're here to help you take the next step.
The home financing you need at the speed you deserve

Refi.com
NMLS ID: 1907
License#: Ohio

6.829%

$2,076 Fees & Points $2,602 Total
0.813 Pts ($2,602)
$0 Fees

Lower your monthly mortgage payment with a streamlined refinance
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals

West Capital Lending
NMLS ID: 1566096

6.888%

$2,076 Fees & Points $4,537 Total
0.871 Pts ($2,787)
$1,750 Fees

Let's CrunchtheNumbers and See if a Refinance Makes Sense for You

Rocket Mortgage
NMLS ID: 3030

7.350%

$2,183 Fees & Points $3,200 Total
1.000 Pts ($3,200)
$0 Fees

A+ Rating with the Better Business Bureau
Highest in Customer Satisfaction in the US
Calculate Your New Payment for Free Today

Veterans United Home Loans
NMLS ID: 1907

Fees & Points Total
Pts ($0)
$0 Fees

Use your VA Loan benefits to get cash from your home equity
Get a personalized quote fast with instant uploads and 24/7 access
Over 300,000 verified 5-star reviews

Freedom Mortgage Corporation
NMLS ID: 2767

Fees & Points Total
Pts ($0)
$0 Fees

We approve credit scores as low as 550 for VA and FHA refinancing
Family-owned, 35+ years of cash out assistance
A top FHA and VA lender

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Overview 2025

General Credit Union Information

NCUA Insured	Yes / Federally Chartered
Charter Number	# 64820
Date Established	1932
Assets	$139.22 million
Loans	$62.31 million
Deposits	$128.11 million
Capital	$10.95 million

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Branches

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