95 Years of Putting Members First
Our Commitment to Excellence Starts with You
WIN 0% APR* for 36 MONTHS
FUNDED AUTO LOANS HAVE ONE CHANCE TO WIN 0% APR*
Annual Scholarship Program:
Offering Two $2,500 Scholarships to Students.
It’s Arrived!
Your Credit Score and More. Anytime. Anywhere.
New Mobile Banking Update!
Refreshed Design and New Credit Tools!
KickStart Your Credit Loans
No need for a cosigner or a long credit history. Build credit, unlock opportunities.
HELOC Special
Transform Your Home Dreams into Reality with F3’s 5.25% Fixed for 12 Months HELOC—Your Blueprint to Financial Freedom!
Flexible ARM Options for Homebuyers
Looking for a lower initial rate and more flexibility? We offer two Adjustable-Rate Mortgage options to help meet your needs:
5/1 ARM – 30 Year Term
- Fixed rate for the first 5 years.
- Lower starting rate than traditional fixed loans
- Great if you don’t plan to stay long -term
7/1 ARM – 40 Year Term
- Fixed rate for 7 years
- Extended 40-year term = lower monthly payments
- Ideal for maximizing affordability
Are you ready?
Learn more here.
Featured Rates
F3 Credit Union provides Santa Clara County with competitive auto loans, home financing, and deposits. We support you through every milestone—making Friends, building Family, and securing your Future.
*Savings estimates based on an average of local credit unions’ rates. F3 rate includes a 0.25% discount with a Secure Checking account. When searching for great financial products, consider the advantages of joining a Credit Union in San Jose. Additionally, Auto Loans in Santa Clara County can help you drive away with confidence.
Featured Products
Products ideal for every way of life. Our accounts, credit cards and loans are packed with safeguards and money-saving advantages. Moreover, membership at San Jose’s Credit Union provides you access to exclusive benefits. Above all, Auto Loans in Santa Clara County offer value to local drivers.
Checking Account
More Benefits, More Options
Our checking accounts come with a load of benefits to help protect your money.
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Credit Cards
Nothing compares to a Visa
Our Secured VISA is perfect for members who want to establish or rebuild their credit.
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Mortgage Loans
The Right Home Loan for You
With competitive rates and low up-front costs, we are making home ownership more affordable.
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Why Join F3CU
Where you’re more than just a customer, you’re a member.
We are a full-service financial institution with all the time-saving services modern technology has made possible. But we offer our members something more: a commitment to personal service that always takes the extra step, and never forgets that the reason we’re here is people – like you. As an institution in San Jose, the Credit Union strives to make every member feel valued and welcomed. Where you’re more than just a customer, you’re a member.
Banked here since I was a little girl thanks to my mom. Although it is not in my area I come here cause they know how to treat customers.
★ ★ ★ ★ ★ Chan T. Santa Clara, CA
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How Can We Help You Today?
We offer products designed to meet the needs and lifestyle. To begin enjoying the advantages of banking with a Credit Union in San Jose, check out our products and start your membership with us.
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Open an Account
Our Secure Checking is an interest-earning account that offers you high value with many money-saving benefits.
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Apply for an Auto Loan
Looking for a new or used car? We offer three options to help you streamline the car buying process and save money.
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Apply for a Home Loan
With competitive rates and low up-front costs, we are making home ownership more affordable.