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. All youth Memberships opened between July 1 and August 31, 2026, will be automatically entered to win. Valid only for new Youth Members. New Youth Members are defined as a person 17 and under who has never been an owner of a Credit Union of Southern California (CU SoCal) account. Any accounts opened for minors (aged 17 and under) must have parent or legal guardian consent and be opened in person by a parent or legal guardian at a CU SoCal branch. To open a youth Membership, minor and parent/legal guardian must each provide SSN and acceptable ID/documentation: minor may provide a school ID with photo, State ID, U.S. government-issued ID, or birth certificate; parent/legal guardian may provide state ID, state driver’s license, or U.S. passport. Proof of address may be required if the guardian’s address does not match their ID. All new accounts will be verified by ChexSystems^®, OFAC, and Precise ID, and are subject to CU SoCal approval and Membership eligibility requirements. A credit report is also required but will not be obtained for minors. All new youth Memberships will receive a $25 bonus which will be deposited into Member’s account by September 30, 2026. Additionally, all new youth Memberships opened will be automatically entered for a chance to win a $500 gift card. Winners may select either a Walmart^® or Target^® gift card. Three winners will be randomly selected from all eligible entries. Odds of winning depend on number of entries received. Winners will be selected by September 14, 2026. Limit one entry per Member regardless of method of entry. Winners will be notified by phone or email. If a winner cannot be contacted within 5 days, an alternate winner may be selected. Opening a youth Membership is not required to enter or win. Parents or legal guardians of the minor may alternatively enter by mailing a postcard with your name and phone number to: Back to School c/o CU SoCal Marketing Dept., 8101 E Kaiser Blvd., Ste. 300, Anaheim, CA, 92808-2261. Mail-in entries must be postmarked no later than August 31, 2026, and received by September 11, 2026. Winning parent or guardian must accompany minor to accept prize. Cannot be combined with other offers. Prize and cash bonus may be subject to tax reporting. Employees of CU SoCal and their immediate family members are not eligible for raffle prizes. In-N-Out^®, Target^®, and Walmart^® are not sponsors or affiliated with this promotion. CU SoCal reserves the right to modify, suspend, or terminate this promotion at its discretion.
2. $10 In-N-Out^® gift cards for opening new youth accounts are available only while supplies last during promotional period.
3. 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. Offer subject to change without notice.
   
4. 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.

5. 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.