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 October 15-December 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. Offer is 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 a new Rewards Checking Account. See Rewards Checking account terms and requirements at: CUSoCal.org/RewardsChecking. Existing Classic Checking or Aspire Checking account upgrades/conversions are not eligible for this promotional offer. To qualify for the total $200 bonus, which is earned in paid increments for each requirement completed within three calendar months from account opening, Member must: (1) open a new Rewards Checking Account with a minimum $100 deposit within 14 days of account open date and receive $50; (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 and receive $50; (3) receive at least $750 in qualifying direct deposits (payroll, pension, government benefits, etc.) per month, for two consecutive months and receive $50; and (4) open and fund an auto or personal loan and receive $50. 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 has been 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, which includes CU SoCal’s Care to Share Member referral program.
2. APY = Annual Percentage Yield. Promotional rate of 7.00% APY for 7 months valid October 15-December 31, 2026. Rates and terms are subject to change without notice. Assumes dividends remain on deposit until maturity; dividends are compounded daily and credited monthly; early withdrawals will reduce earnings. The minimum certificate opening deposit is $500 new funds (defined as money not currently on deposit with CU SoCal); maximum contribution at time of opening is $7,000 and must be received by December 31, 2026. Offer available to CU SoCal Members over the age of 18. New Member online deposits are capped at $7,000 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 early withdrawal 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 90 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 at the then current APY unless withdrawn during the grace period; maturity date and terms provided at account opening. Renewal APY is based on your CU SoCal relationship and current rates at the time of renewal. Visit CUSoCal.org/Rates for details. Limit one promotional certificate per primary Member.
3. Promotional auto offer and rate are available for a limited time and are subject to change or discontinuation at any time 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. Promotion valid beginning October 15, 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 $100 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 traveler’s 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.
5. 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.