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What does “better” mean? At CEFCU, better began in 1937, when a group of factory workers used a cigar box to gather their savings and make loans to one another. Since then, CEFCU has never strayed from our mission of people helping people — empowering members through lower loan rates, fewer fees, and more.

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Get up to $125

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

CEFCU free 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 P2P transfers using CEFCU My Pay
  • Digital Wallets

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Open your Checking account 

Traditional Debit Mastercard Youth Debit Mastercard

SJSU CEFCU Debit Mastercard® designs available

CEFCU is proud to support San Jose State University (SJSU).
To request your SJSU Debit Mastercard, call us at 1.800.633.7077.

Online &
Mobile Banking

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

Find out about Online & Mobile Banking 

Vehicle Loans

From cars and boats to trucks and RVs, shop our competitive rates and flexible terms before you buy.

Check loan rates 

Home Loans &
Home Equity

First-time home buyer? Up- or down-sizing? Building? Or, want to put the equity in your current home to work for you? Find the right Home Loan for you here.

Check out the Home Loan Center  How much equity is in your home? 

CEFCU Credit
Mastercard®

What’s important to you in a credit card? Low rates? Rewards? No annual fees? Choose a CEFCU Credit Mastercard that’s best for you.

Try the Credit Card Chooser  Compare cards