Limited-Time Summer Specials
Catch the wave with a 4.25% APY Certificate1
Take advantage of a limited-time 4.25% APY 12-Month Certificate¹. With a competitive fixed rate and 12-month term, you can lock in strong earnings potential for a full year. New funds only.
Auto Loans as Low As 3.99% APR up to 36 months2
Save money on a new, pre-owned, or refinanced vehicle with rates as low as 3.99% APR for 36 months.2 All credit tiers are currently discounted, and longer loan terms are available!
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- APY=Annual Percentage Yield. APY Certificate promotion valid July 7 – September 30. The annual percentage yield assumes that dividends will remain on deposit until maturity. If you make a withdrawal from your account, your earnings will be reduced. Minimum deposit to open is $500. Must be a CU SoCal Member. All accounts will be verified by ChexSystems® and are subject to approval and Membership eligibility. Dividends will be paid starting the day of deposit. New Member maximum online opening deposit is up to $150,000. Deposits cannot originate from a CU SoCal account. Deposits made to the promotional certificate through electronic transfers (ACH) will not be available for withdrawal for 60 days from the date of deposit. Dividends will be compounded monthly and will be credited monthly and at maturity. We may impose a 60-day penalty if you withdraw the principal from your certificate account before the maturity date. The penalty imposed shall be based on the amount withdrawn. If the amount withdrawn reduces the principal balance below the stated minimum during the term, you will be assessed a penalty on the entire principal balance, and we will close the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. This promotion is effective July 7, 2026, with a 4.17% APR fixed rate and is for a limited time only. Your 12-month term will automatically renew in a 12-month certificate at the prevailing rate unless you withdraw all the funds in your account at maturity or within a grace period of 7 days after maturity. Your account will mature as reflected on the Rate Schedule. The maturity date will be stated on the certificate or receipt provided to you at the time of opening your account. Offer subject to change without notice.
- 3.99% auto offer valid May 5 – September 30. 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.
- 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.
- $10 In-N-Out® gift cards for opening new youth accounts are available only while supplies last during promotional period.
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