Earn 8% APY¹ on an
8-month certificate
A minimum of $1,000 is required to open, with up to an $8,000 maximum deposit for 8 months. New funds and Rewards Checking Account are required. Offer expires December 8, 2025.1
Rates
View All RatesAuto loans as low as 4.88% APR2
Promotional auto loan is available for terms up to 72 months. Rewards+ Loyalty Members qualify for the lowest rate. Longer terms are available at a higher rate. Offer expires December 8, 2025.2
If you are impacted by the government shutdown, we can help.
At Credit Union of Southern California (CU SoCal), we understand the government shutdown may be creating financial stress for some Members who currently work for the federal government. To support these Members, we’re offering emergency loans, loan deferrals, and waiving early withdrawal fees on share certificate accounts. 3 & 4
Why choose CU SoCal?
There's a story behind every face, and its our purpose to get to know our Members and understand those stories. After all, there is more to you than a credit score, and your individual story matters to us. As a Member-focused credit union, we are on your side, and committed to providing an exceptional Member experience, every time.
2024 donations: $453,275
We believe in helping people in our community. That's why we donate hundreds of thousands of dollars to local charities every year.
Guiding your financial path
Earn up to $50 cash when you refer a friend!
Refer and earn! More than 14,750 new Members have been referred to CU SoCal by family and friends since March 2021. 8
Join one of the fastest growing credit unions in Southern California
CU SoCal provides access to affordable credit and personal financial services, including checking accounts, savings accounts, share certificates, money market accounts, vehicle loans, personal loans, and mortgage loans—turning wishing and waiting into achieving and doing.
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- APY = Annual Percentage Yield. Assumes dividends remain on deposit until maturity; early withdrawals will reduce earnings. The minimum certificate opening deposit is $1,000 new funds (defined as money not currently on deposit with CU SoCal); maximum contribution at time of opening is $8,000 and must be received by December 18, 2025. Offer available to CU SoCal Members over the age of 18 with a Rewards Checking Account. $100 minimum opening deposit required on a new Rewards Checking Account. Accounts are verified by ChexSystems® and are subject to approval and Membership eligibility. If the Rewards Checking is closed or converted to another checking account type prior to maturity date, certificate rate will decrease to the current 6-month rate in effect. New Member online deposits are capped at $8,000 and must originate from an external (non-CU SoCal) account. Promotional certificate deposits via CU SoCal ACH transfers must remain on balance in account for a minimum of 60 days or additional penalties will apply. We may impose a penalty if you withdraw the principal from your certificate account before the maturity date. The penalty will be 60 days of dividends on the amount withdrawn. If the amount withdrawn reduces the principal balance below the stated minimum, you will be assessed a penalty on the entire principal balance. We will close the certificate account and transfer any remaining balance to your Regular Savings Account. Certificate automatically renews to a 6-month term at maturity; maturity date and terms provided at account opening. Renewal APY is based on your CU SoCal relationship at the time of renewal. Visit CUSoCal.org/Rates for details. Limit one promotional certificate per primary Member. Promotional rate of 7.72% APR for 8 months is effective October 8, 2025, and subject to change without notice.
- APR = Annual Percentage Rate. Offer valid October 8 through December 8, 2025. Rate as low as 4.88% APR for up to 72 months available to Members who qualify for CU SoCal’s Rewards+ Loyalty program and assumes excellent borrower credit. Loan must be funded by December 18, 2025, to receive the promotional rate. Rate may vary based on creditworthiness and relationship with CU SoCal. Minimum loan amount for promotional rate: $5,000. New vehicles are 2025 and 2026 models not to exceed 10,000 miles. Used vehicles must be 2016 models or newer and have less than 100,000 miles. Salvaged title or Lemon Law Buyback vehicles are not eligible. Example estimated monthly payment: $16.06 per $1,000 borrowed based on a 72-month term at 4.88% APR. Financing available up to 120% maximum of vehicle value. Interest begins accruing immediately at loan origination. The advertised rate applies to new loans only. 1% rate increase will be added when refinancing an existing CU SoCal or Havasu Community auto loan. Rates and terms subject to change without notice.
- Annual Percentage Rate=APR. The Emergency Loan for amounts up to $10,000 is offered to all eligible new and existing Members with a rate of 0% APR for up to a 12-month term for individuals who are currently employed by the Federal Government and are affected by the government shutdown. Proof of eligibility and confirmation of employment by an applicable Federal Government agency affected by the government shutdown is at the sole determination and discretion of CU SoCal. Most recent paystub from eligible Federal Government agency is required. Loan amount cannot exceed your net monthly income. The approximate monthly payment for $10,000 with a 12-month term at 0% APR is $833.33. Members opening new accounts will be verified through ChexSystems® and are subject to approval. For Membership or checking account terms and conditions, please visit CUSoCal.org. All existing Account(s) and loan(s) must be in good standing in order to be eligible. The Emergency Loan program is not transferrable and may not be applied to other existing loans or other offers. Offer is subject to change without notice. Other restrictions may apply. Must be 18 years or older.
- Share certificate account early withdrawal penalty fees will be waived for Members directly impacted by the government shutdown for a limited time only as determined by CU SoCal. This waiver is being provided as a courtesy and does not constitute a change to your account’s original terms and conditions. Additional early withdrawals may be subject to penalties unless otherwise notified. Offer subject to change without notice. Please note that IRS rules regarding early withdrawals and early distributions from a retirement account may still apply, including potential tax implications and reporting requirements. Please consult your tax advisor for guidance.
- Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals. **Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member. 1. APY is Annual Percentage Yield. 2. For Minor Certificates, the minimum term is 12 months; the minimum opening balance and minimum to earn dividends is $250. The rates and terms above are subject to change without notice.
- APR= The annual percentage rates listed are our best rates. 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 2025 to 2026 with up to *10,000 miles will be considered new. Vehicle models 2016 to 2024 with up to 120,000 miles will be considered pre-owned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our Member Care Center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. Amount financed may not exceed 120% retail Kelley Blue Book including tax, license, warranty, etc. Older used vehicles may be eligible up to wholesale Kelley Blue Book value with a one percent rate adjustment. With 90-day payment deferment, interest will continue to accrue as of funding date.
- APR=Annual Percentage Rate as low as 4.036%. This is an interest-only HELOC (10 years interest only), your payments cover only the interest, 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 HELOCs or refinance existing HELOC. The introductory discounted rate 3.99% (intro rate) is fixed for the first 12 months. After the introductory rate period, your rate will adjust to the prime index plus a margin or 4.00%, whichever is higher, subject to a maximum rate of 16%. The promotional rate is not based on the index plus the applicable Margin. Intro 3.99% rate does not apply to subsequent credit limit increases or refinances. Minimum credit line amount to obtain promotional rate is $10,000 with a minimum required monthly payment $74.00. All closing cost are included in the loan except the appraisal fee which will be collected upfront. Borrow up to $250,000 at 80% loan to 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 properties including single-family residences, condominium 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. 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 effective November 18, 2024, and is subject to change without notice. Loan must fund within 30 days from application date. NMLS #454788.
- Promotion valid starting August 17, 2025, and is subject to change without notice. Referring Member must be a CU SoCal Member. Valid only with new Members. New Members are defined as a person 18 and older who has never been an owner of an account at CU SoCal. All new accounts will be verified by ChexSystems® and are subject to approval and Membership eligibility. Both referred and referring Member will receive a $25 cash bonus when referred Member opens a qualified checking account with the required minimum deposit of $100 at account opening and receives a minimum monthly direct deposit of $750 within 90 days from establishing Membership. Referred Member will earn an additional $475 when they open a Rewards Checking account and receives the minimum monthly $750 direct deposit, or an additional $25 if they open a Classic checking account and receive the minimum monthly $750 direct deposit. Referring Member can earn a maximum cash bonus of $50. Cash bonuses will be credited to Member’s CU SoCal deposit account within 60 days from the date the referred Member meets the requirements. Offer cannot be combined with other promotional offers. Cash bonus may be subject to tax reporting.
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