Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

1. Offer valid May 5-July 31, 2026, and is available to new and existing Members. All accounts will be verified by ChexSystems® and are subject to approval and Membership eligibility. Offers and rates are subject to change without notice. Cash bonus is not available to Members who currently have a CU SoCal Rewards Checking Account or who have closed a Rewards Checking Account within the last 365 days. Account must be open and in good standing at the time bonus is paid. Must be 18 years or older. Offer requires opening or upgrading to a Rewards Checking Account. See Rewards Checking account terms and requirements at: CUSoCal.org/RewardsChecking. A minimum $25 deposit is required to open. No deposit required when upgrading your current checking account to Rewards Checking. To qualify for the total $200 bonus, which is earned in increments of $50 for each requirement completed within 90 days of account opening, Member must: (1) open or upgrade to a Rewards Checking Account, (2) complete at least 12 qualifying POS and/or PIN based debit card transactions (excluding ATM withdrawals, returns, or adjustments) per month, for two consecutive months, (3) receive at least $750 in qualifying direct deposits (payroll, pension, government benefits, etc.) per month, for two consecutive months, and (4) open and fund an auto or personal loan. All requirements must be met to receive the full $200; partial bonuses will be paid for each individual requirement satisfied. Bonuses will be deposited into the Member’s account within 60 days after verification that each qualifying requirement is met. Bonus is subject to 1099-INT tax reporting. One Rewards Checking Account per Member. Maximum bonus from promotional offer is $200 and cannot be combined with other offers.
2. Offer valid May 5-July 31, 2026, and is available to new and existing Members. All accounts will be verified by ChexSystems® and are subject to approval and Membership eligibility. Offers and rates are subject to change without notice. The Annual Percentage Yield (APY) assumes that dividends will remain on deposit until maturity. If you make a withdrawal from your account, your earnings will be reduced. Minimum initial deposit to open is $500. Promotional rate is 3.50% APY with dividend rate of 3.45%. Dividends compounded daily and credited monthly. New funds only—deposits cannot originate from a CU SoCal account. This promotional “flex” certificate allows Member to make an additional, one-time, new funds deposit up to 50% of the opening deposit amount, and one-time withdrawal up to 50% of the opening deposit amount. We may impose a 60-day dividends penalty if you make additional withdrawals from the principal of your certificate account before the maturity date. The penalty imposed shall be based on the amount withdrawn and may reduce your principal balance. If the amount withdrawn reduces the principal balance below the stated minimum during the term, you will be assessed a penalty on the entire principal balance, and we will close the certificate account and transfer any remaining balance to your Regular Savings Account. Deposits made to the promotional certificate through electronic transfers (ACH) originating from outside of CU SoCal will not be available for withdrawal for 60 days from the date of deposit. Your 10-month term will automatically renew at maturity to a 12-month term at the prevailing rate (please refer to the Rate Schedule) unless you withdraw all the funds in your account at maturity or within a grace period of 7 days after maturity. The maturity date will be stated on the certificate or receipt provided to you at the time of opening your account.
3. Offer valid May 5-July 31, 2026, and is available to new and existing Members. All accounts will be verified by ChexSystems® and are subject to approval and Membership eligibility. Offers and rates are subject to change without notice.  APR – The Annual Percentage Rate of 3.99% is our best rate for up to 36 months and includes a .50% discount for a direct payroll deposit of $750 monthly to your CU SoCal checking account and 0.25% discount for being a Rewards+ Loyalty Member. The discounts are one-time and may be applied at time of origination or within 90 days of origination based on qualification. Rate may adjust if you discontinue direct deposit/payroll. Your rate may be higher depending on credit history and underwriting criteria. Financing available up to 120% of retail vehicle value including tax and license plus optional CU SoCal GAP and Mechanical Repair Coverage. Ask a CU SoCal representative for details. Vehicle models less than 2-years with up to 10,000 miles will be considered new. Vehicle models less than 10-years with up to 120,000 miles will be considered pre-owned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Amount financed may not exceed 120% retail Kelley Blue Book® including tax, license, warranty, etc. With 90-day payment deferment, interest will continue to accrue as of funding date. Offer cannot be used for internal refinances.
4. APR=Annual Percentage Rate as low as 4.036%. APR is a variable rate. This HELOC has a 10 year draw period with interest only payments and your principal balance will not decrease. After this period, payments will include both principal and interest and may be higher. Offer available for new CU SoCal HELOC or refinance of existing CU SoCal 3.99% promotional HELOC with a minimum increase in line of credit of $50,000. Also eligible for existing CU SoCal non promotional HELOC. The introductory discounted rate 3.99% (intro rate) is fixed for the first 12 months. After the introductory rate period your rate may increase and will adjust on a monthly basis to the Prime Rate index plus a margin or 4.00%, whichever is higher, subject to a maximum rate of 16%. Minimum credit line amount to obtain promotional rate is $10,000 with a minimum required monthly payment $74.00. All closing costs are included in the loan except the appraisal fee(nonrefundable) which will be collected upfront. Borrow up to $250,000 at 80% combined loan to value (CLTV) or up to $500,000 at 70% combined loan to value (CLTV). HELOC is only available on owner-occupied California and Arizona properties including single-family residences, condominiums and two to four-unit properties. Properties with construction work in progress may not be eligible. Borrower responsible for payment of property taxes and homeowner insurance. Fees may be required for a condominium certification, multi-unit property appraisal and changes to title holder. Your home is used as security for this loan and may be lost if payments are not made. Not all applicants will qualify. Higher rates may apply depending on credit qualification. Maximum loan amount is subject to credit qualification and appraised property value. Promotional rate is subject to change without notice. Loan must fund within 30 days from application date. NMLS #454788.
5. Benefits are available to personal checking accounts and their primary accountholder and joint accountholder(s) subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an accountholder or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. 
6. Promotion valid beginning May 1, 2026, and is available for a limited time. CU SoCal reserves the right to discontinue or change this promotion at any time without notice. Referrer must be an active CU SoCal Member. Offer valid only for new Members, defined as individuals age 18 or older who have never been an owner on an account at CU SoCal. All new accounts are subject to verification through ChexSystems® and approval based on Membership eligibility. Referred new Members may earn a $50 cash bonus for opening a qualified checking account, and then become eligible for additional one-time cash bonuses upon successful completion of the following requirements: $50 for completing qualified debit card transaction usage, $50 for completing qualified direct deposit, and $50 for funding a qualified consumer loan, all within the prescribed timeframes specified below, for a maximum total bonus of $200. Referring Members may earn a $50 cash bonus when the referred new Member opens a qualified checking account, which is the maximum bonus available to the referrer per each referred new Member. A qualified checking account is defined as a Classic Checking or Rewards Checking account with a cumulative deposit balance of at least $25 within 14 days of the Membership open date. Qualified debit usage requires 12 qualified PIN based and/or Point of Sale (POS) debit card transactions (excluding ATM withdrawals; purchases that are directly convertible to cash such as casino gaming chips, money orders, wire transfers, or travelers checks; and debit card purchases for less than $1.50) per month for two consecutive calendar months within 90 calendar days of Membership open date. Qualified direct deposit requires at least $750 in cumulative direct deposits (e.g., payroll, pensions, or government benefits; transfers between accounts do not qualify) per month for two consecutive calendar months within 90 calendar days of Membership open date. A qualified consumer loan is defined as a vehicle or personal loan funded within 90 calendar days of Membership open date. The referred new Member must open a qualified checking account to be eligible for any additional bonuses, and once this requirement is met, additional bonuses may be earned independently and are not contingent upon one another, allowing the referred new Member to earn bonuses in any combination of qualifying activities up to a maximum $200 total. Debit card usage and direct deposit qualifications must be completed within 90 calendar days of Membership open date to be eligible for payout. The referring Member becomes eligible for their bonus once the referred new Member satisfies the qualified checking account opening requirement. Accounts must be open and in good standing to receive bonus payments. Cash bonuses will be deposited into the Member’s CU SoCal account within 60 calendar days after qualifying activities are completed and verified by CU SoCal. Offer cannot be combined with other promotional offers unless otherwise stated, and bonuses may be subject to IRS 1099 tax reporting.