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At CEFCU, you’re not a customer, you’re a member/owner. Unlike banks, we don't have stockholders, so our earnings are returned to members with lower loan rates, fewer fees, and more benefits.

See what makes CEFCU better   Join Now 

Get up to $125

and a Debit Mastercard® when you open a qualifying Checking account.

CEFCU Checking gives you more of what you want!

  • No minimum balance
  • No monthly fee
  • Free Debit Card
  • 30,000+ fee-free ATMs
  • Mobile & Online Banking, plus Bill Pay

Get More Details 
Open your Checking account 

Mobile &
Online Banking

Check your balance, transfer funds, pay bills, and more with your smartphone, tablet, or computer.

Find out about Mobile & Online Banking 

Vehicle Loans

Hit the road with a loan that gives you great rates for a new or used car, truck, or RV. With our loans, there are no application or other hidden fees.

Check our Vehicle Loan rates  Apply online now 

CEFCU is proud to support San Jose State University!
Show your Spartan pride with a special SJSU CEFCU Debit Mastercard®!

Request yours today! Email CEFCU, or call us at 1.800.633.7077.

Traditional Debit Mastercard Youth Debit Mastercard

Home Loans &
Home Equity

Get more home (or more from your home) with our great rates and personal service through the loan process.

Visit the Home Loan Center  Put your home equity to work 

Mastercard®
Credit Card

Enjoy the Nicest Card You’ll Ever Carry!® Shop in store and online with a card that gives you better rates, extra security, and rewards options.

Learn more and get started  Help me choose my card