Exclusive Savings Opportunities for Rewards+ Members!
Rewards+ Members can now enjoy exclusive savings rates—earn up to 4.30% APY¹ on Soar Money Market and 4.25% APY¹ on Share Certificates. To open your account and take advantage of these great rates today, visit any branch or call 866.287.6225 Monday-Friday: 9 a.m.-6 p.m. and Saturday: 9 a.m.-1 p.m.

Rates
View All RatesFinancial assistance for fire victims
Our hearts go out to everyone impacted by the devastating Southern California wildfires. We understand the challenges you’re facing and are here to help you rebuild and recover. To support our community, we’re offering emergency loans and other financial assistance tailored to your needs. You’re not alone—reach out today.
3.99% Intro Rate for 12 Months
Secure an amazing 3.99% intro rate² for the first 12 months and unlock the power of your home's equity to meet your goals. It’s about investing in your future!
Rewards Checking
Choose a checking account that pays rewards and provides identity restoration services. It's also the first step in qualifying for Rewards+, our Member loyalty program.
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: $453,275.13
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 $100 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. 4,5
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. The higher rate for the Soar Money Market share is applied during the months you are an active Rewards+ Member. The higher share certificate rate is only available for new certificates when you are an active Rewards+ Member. Once the certificate is established, the rate stays in effect for the duration of the term, regardless of your Rewards+ status. Upon Maturity, the certificate renewal rate options available will be based upon your Rewards+ relationship standing at the time of maturity. Visit CUSoCal.org/Rates for more information. Offer subject to change without notice.
- 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.
- APY is Annual Percentage Yield. Rates are accurate as of February 1, 2025 and are subject to change. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period. *New Funds (not currently on deposit at CU SoCal)- $15,000 Minimum opening deposit **Members will automatically earn the Rewards+ dividends rate during the months they are active Rewards+ Loyalty Member.
- Rates are accurate as of February 1, 2025 and are subject to change. 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+ certificates are only available to open during the months when a Member is an active Rewards+ Loyalty 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.
- Promotion valid February 1, 2025, through April 30, 2025, and is subject to change without notice. The referrer 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. The maximum cash bonus referrer can earn is up to $100. Referring Member will receive a $50 cash bonus when referred Member opens a Rewards or Classic checking account with the required minimum deposit of $100 at account opening. Referring Member will receive an additional $50 cash bonus when the referred Member receives a minimum monthly direct deposit of $750 within 90 days from established Membership. Referred Member may earn up to $200 for opening a Rewards checking account with a minimum $100 deposit ($50 cash), receive the qualified $750 minimum monthly direct deposit ($50 cash), conduct 12 monthly POS and/or signature-based debit card transactions ($50 cash) and funds an auto or personal loan ($50 cash) within 90 days of establishing Membership. The maximum cash bonus a Referred Member can earn with a Classic checking account is up to $50. Classic Checking with the required minimum $100 deposit at account opening ($25 cash) receive the qualified $750 minimum monthly direct deposit ($25 cash) within 90 days of establishing Membership. Cash bonuses will be credited to Member’s CU SoCal deposit account within 60 days from the date the referred Member meets the requirements. Cash bonus may be subject to tax reporting.
- Credit Union National Association (NCUA) Member Benefits Report.
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