Competitive Rates. Flexible Terms.

Loan Rates

Loan Term APR2 Est. Payment Per $1001
New Car (2016 – 2018) Up to 72 months 2.59% — 15.84% $1.50 – $2.16
New Car (2016 – 2018) Up to 84 months 3.09% — 16.34% $1.33 – $2.01
Pre-owned Car (2007 – 2015) Up to 72 months 2.84% — 16.84% $1.51 – $2.22
Pre-owned Car (2007 – 2015) Up to 84 months 3.34% — 17.34% $1.34 – $2.09

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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. CU SoCal GAP policy is $349. Vehicle models 2016 to 2018 with up to *10,000 miles will be considered new. Vehicle models 2007 to 2015 with up to 100,000 miles will be considered Pre-owned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rates include a .50% discount when you schedule automatic payments from or direct deposit to a CU SoCal Checking Account. Rate may adjust if you discontinue direct deposit/payroll or payment transfer; or become an inactive ePay or Online Banking user. The above discounts are one time, and only apply at time of origination.The rates and terms above are effective as of 5/1/2017 and are subject to change without notice.
Program Term APR1 Maximum Loan Amount Estimated Payment Per $1002
Visa Classic3, 4
Average Daily Balance more than $2,500
Line of Credit 16.50%
10.90%
$30,000 3% of balance
Visa Platinum3, 4
Annual cash rebate of 1% on purchases more than $1,500
Line of Credit 10.90% $30,000 3% of balance
Share Secured Visa Classic
Average Daily Balance more than $2,500
Line of Credit 16.50%
10.90%
$10,000 3% of balance

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1 APR is Annual Percentage Rate
2 Payment factor based on maximum term.
3 Aggregate maximum unsecured loan limits (credit card and personal loans, not to exceed $30,000.)
4 CU SoCal credit cards feature no annual fee, no cash advance fee, no balance transfer fee and a 25 day grace period on all purchases (when balance is paid in full each month).

Share/Certificate Secured Personal Loan

Program Term APR1 Maximum Loan Amount Estimated Payment Per $1002
Share Secured3 120 months 3.95% 95% of balance $1.04
Certificate Secured3 Maturity 2.00% + Share Certificate Rate 95% of balance Varies

Unsecured Personal Loan

Program Term APR1 Maximum Loan Amount Estimated Payment Per $1002
Line of Credit (LOC)3, 4 Overdraft Protection Line of Credit 9.24% – 16.99% $30,000 3% of balance
Signature Loan3, 4 60 months 9.24% – 16.99% $30,000 $2.09 – $2.48

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1 APR is Annual Percentage Rate
2 Payment factor based on maximum term.
3 Aggregate maximum unsecured loan limits (credit card and personal loans, not to exceed $30,000.)
4 Rates include .50% discount for Auto-Pay from OR Direct Deposit to a CU SoCal Checking Account. Rate may adjust if you discontinue direct deposit/payroll or payment transfer; or become an inactive ePay or Online Banking user. The above discounts are one time, and only apply at time of origination.

Fixed-Rate Mortgage

For a personalized rate quote, please call our home loan specialists at 800.698.7196.

Product Interest Rate Discount Points Origination Fee APR* Est. Payment Per $1,000
10-Year Fixed 3.375% 0 $995 3.618% $9.83
15-Year Fixed 3.375% 0 $995 3.543% $7.09
20-Year Fixed 3.750% 0 $995 3.882% $5.93
30-Year Fixed 4.125% 0 $995 4.221% $4.85

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The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60%. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, May 19, 2017 and are subject to change.

Adjustable-Rate Mortgage

Product Rate Margin Points Caps APR* Origination Fee Est. Payment Per $1,000
5/1 ARM 2.500% 2.500% 0 2/2/6 3.438% $995 $3.95
7/1 ARM 3.250% 2.500% 0 2/2/6 3.669% $995 $4.35
10/1 ARM 3.500% 2.500% 0 2/2/6 3.766% $995 $4.49
5/5 ARM 2.875% 2.375% 0 2/2/5 3.903% $995 $4.15

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The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60%. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, May 19, 2017 and are subject to change.

No-Closing-Cost Mortgage

Product Rate Points APR* Est. Payment Per $1,000
30-Year Fixed 4.500% 0 4.500% $5.07
20-Year Fixed 4.125% 0 4.125% $6.13
15-Year Fixed 3.750% 0 3.750% $7.27
10-Year Fixed 3.750% 0 3.750% $10.01

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The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to refinance a primary residence, single-family dwelling in California with a LTV below 70%. The rate-lock period is 45 days and the assumed credit score is 740. Your costs may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, May 19, 2017 and are subject to change.

Home Equity Line of Credit

Amount1 Max CLTV2 APR3 Est. Payment Per $1,0004
Up to $250,000 75% 1.99%
4.00% – 16.00%
$1.66
$3.33 – $13.33
Up to $150,000 80% 1.99%
4.00% – 16.00%
$1.66
$3.33 – $13.33
Up to $100,000 90% 1.99%
4.00% – 16.00%
$1.66
$3.33 – $13.33
1 Maximum loan amount subject to credit qualification and appraised property value.
2 Combined Loan-to-Value (CLTV).
3 The 1.99% promotional rate applies for the first 365 days on new HELOCs. The promotional rate is limited to one per property and does not apply to subsequent credit limit increases or refinances. After that, the rate will adjust to the current index rate plus the applicable Margin. The promotional rate is not based on the index plus the applicable Margin.
4 Estimated payments shown reflect interest-only payments for the first 10 years of the loan.
Vacation home equity loans also available. The rates and prices quoted above are effective as of 5/19/2017, are not guaranteed and are subject to change without notice. CU SoCal offers a variety of real estate loan programs. For more information, please call a CU SoCal home loan specialist at 800.698.7196.

Home Equity Loan

Amount Term Max CLTV1 Rate Points APR Est. Payment Per $1,0002
Up to $250,000 Up to 25 Years 75% 5.75% 0 5.75% $8.34
Up to $150,000 Up to 25 Years 80% 5.75% 0 5.75% $8.34
1 Combined Loan-to-Value (CLTV).
2 Payment factor is based on a 15-year term.
3 Maximum loan amount subject to credit qualification and appraised property value.
Vacation home equity loans also available. The rates and prices quoted above are effective as of 5/19/2017, are not guaranteed and are subject to change without notice. CU SoCal offers a variety of real estate loan programs. For more information, please call a CUSoCal home loan specialist at 800.698.7196.

80% Financing

Type Term APR2 Est. Payment Per $1001
New (2016 – 2018) Up to 180 months 6.35% – 16.35% $0.86 – $1.49
Pre-owned (2010 – 2015) Up to 180 months 6.75% – 16.75% $0.88 – $1.52

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Financing available up to 80% of retail value, plus tax, license, and warranty. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rates include a .50% discount when you schedule automatic payments from or direct deposit to a CU SoCal Checking Account. Rate may adjust if you discontinue direct deposit/payroll or payment transfer; or become an inactive ePay or Online Banking user. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 5/1/2017 and are subject to change without notice.

80% Financing

Type Term APR2 Est. Payment Per $1001
New Boat w/ Trailer Up to 180 months 6.30% – 16.30% $1.13 – $1.69

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Previously owned boats are not eligible. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rates include a .50% discount when you schedule automatic payments from or direct deposit to a CU SoCal Checking Account. Rate may adjust if you discontinue direct deposit/payroll or payment transfer; or become an inactive ePay or Online Banking user. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 5/1/2017 and are subject to change without notice.

80% Financing

Type Term APR2 Est. Payment Per $1001
New Motorcycle (2016 – 2018) Up to 60 months 6.95% – 16.95% $1.98 – $2.48
Pre-owned Motorcycle (2007 – 2015) Up to 60 months 7.10% – 17.10% $1.98 – $2.49

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Financing available up to 80% of retail value, plus tax, license, and warranty. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rates include a .50% discount when you schedule automatic payments from or direct deposit to a CU SoCal Checking Account. Rate may adjust if you discontinue direct deposit/payroll or payment transfer; or become an inactive ePay or Online Banking user. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 5/1/2017 and are subject to change without notice.

80% Financing

Type Term APR2 Est. Payment Per $1001
New Personal Watercraft (2016 – 2018) Up to 60 months 6.95% – 16.95% $1.98 – $2.48
Pre-owned Personal Watercraft (2007 – 2015) Up to 60 months 7.10% – 17.10% $1.98 – $2.49

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Financing available up to 80% of retail value, plus tax, license, and warranty. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rates include a .50% discount when you schedule automatic payments from or direct deposit to a CU SoCal Checking Account. Rate may adjust if you discontinue direct deposit/payroll or payment transfer; or become an inactive ePay or Online Banking user. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 5/1/2017 and are subject to change without notice.

SBA 7(a)

Program Maximum LTV1 Min/Max Loan Amount2 Prime Rate3 Margin4 Full Rate Est. Payment Per $100,0005
SBA 7(a)
(term < 7 years)
90% $100,000 to $2,000,000 3.250% 2.250% 5.500% $1,451.21
SBA 7(a)
(term 7 – 25 years)
90% $100,000 to $2,000,000 3.250% 2.750% 6.000% $644.30
1 A 10% borrower investment required.
2 Loan and line of credit amounts subject to credit qualification and appraised property value.
3 Prime Rate: The Current Index Value is the lowest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect on the first business day of the month immediately preceding the first day of each calendar quarter of each year. Current Index Value: 3.250%.
4 The Margin is the percentage points added to the Current Index Value to calculate the interest rate at each adjustment. The Margin remains stable over the life of the loan.
5 Payment factor is based on the FULL RATE for 83 payments for SBA 7(a) term < 7 years and 300 payments for SBA 7(a) term 7-25 years.
The rates and prices quoted above are effective as of 1/1/2017, are not guaranteed and are subject to change without notice. Other terms and conditions may apply. For more information, please call the SBA Loan Officer at 562.365.1888 or 714.476.0754 (cell).

 
  • Purpose: Can be used for working capital, fixtures and furniture, machinery, purchase of owner-occupied land and building, or business acquisition.
  • Minimum/Maximum Loan Amounts: $100,000 minimum up to $2,000,000.
  • Maximum Maturity: Working capital = 10 years. Furniture and fixtures / machinery = useful life. Owner-occupied land and building = 25 years.
  • Guarantor Requirements: All parties with ownership of 20% or more.
  • Injection Requirements: 10% down.
  • Collateral: Required.
  • Interest Rate (variable adjusts quarterly): Maturities less than 7 years = Prime plus 2.25 percent; Maturities of 7 years or higher = Prime plus 2.75%.
  • Personal guarantee will be required.

Deposit Rates

Account Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
Regular Savings2 $10 $500 0.10% 0.10%
Sub-Savings/IRA Savings2, 3 $5 $500 0.10% 0.10%
Deferred Compensation4 $10 $1.00 0.45% 0.45%
Holiday Saver $10 $1 0.30% 0.30%
Summer Saver $50 $1 0.30% 0.30%

Open Account

1 APY is Annual Percentage Yield.
2 For minors, the minimum to earn dividends is $1.00.
3 IRA savings include Traditional, Roth, & Coverdell Education IRA
4 Restricted by law to school district employees.
The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.

E-Z Earn Checking Account

Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
$100 $.01 0.35% 0.35%

Open Account

1 APY is Annual Percentage Yield.
To earn the E-Z Earn Checking dividend rate you must have ten (10) signature-based and/or PIN based debit card purchases each monthly statement cycle. If the requirement is not met, you will earn .05% APY on your checking account balance. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.

Value+ Checking Account

Balance Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
$5,000 – $14,999 $5,000 $5,000 0.05% 0.05%
$15,000 – $24,999 $15,000 $15,000 0.10% 0.10%
$25,000 – $49,999 $25,000 $25,000 0.15% 0.15%
$50,000 and up $50,000 $50,000 0.25% 0.25%

Open Account

1 APY is Annual Percentage Yield
The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.

Value Checking Account

Range Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
$0.00 and up N/A N/A N/A N/A

Open Account

1 APY is Annual Percentage Yield
Account Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
Money Market, $2,500 – $14,999 $2,500 $2,500 0.15% 0.15%
Money Market, $15,000 – $24,999 $15,000 $15,000 0.20% 0.20%
Money Market, $25,000 – $49,999 $25,000 $25,000 0.25% 0.25%
Money Market, $50,000 – $99,999 $50,000 $50,000 0.30% 0.30%
Money Market, $100,000 and up $100,000 $100,000 0.40% 0.40%

Open Account

1 APY is Annual Percentage Yield.
The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.

Regular and Minor Certificates

Length of Certificate Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
1 month $7,500 $7,500 0.10% – 0.20% 0.10% – 0.20%
3 month $1,000 $1,000 0.10% – 0.20% 0.10% – 0.20%
6 month $1,000 $1,000 0.10% – 0.20% 0.10% – 0.20%
12 month2, 4 $1,0003, 4 $1,000 0.15% – 0.25% 0.15% – 0.25%
18 month $1,000 $1,000 0.35% – 0.45% 0.35% – 0.45%
24 month $1,000 $1,000 0.35% – 0.45% 0.35% – 0.45%
30 month $1,000 $1,000 0.30% – 0.40% 0.30% – 0.40%
36 month $1,000 $1,000 0.55% – 0.65% 0.55% – 0.65%
48 month $1,000 $1,000 0.75% – 0.85% 0.75% – 0.85%
60 month $1,000 $1,000 1.00% – 1.10% 1.00% – 1.10%
1 APY is Annual Percentage Yield.
2 For Traditional and Roth IRAs, the minimum term is 12 months. Coverdell Education IRAs are only available in 12-month terms.
3 For Traditional, Roth and Coverdell Education IRAs, the minimum opening balance and minimum to earn dividends is $25.
4 For Minor Certificates, the minimum term is 12 months; the minimum opening balance and minimum to earn dividends is $250.
The range of certificate rates listed reflect, at the low end, the Regular Dividend Rate available to Members with less than $15,000 in combined savings and loan balances and, at the high end, the Maximum Dividend Rate (Regular Dividend Rate + .10%) available to Members with combined savings and loan balances of $15,000 or more. 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.

Six Month Access Certificate

Amount Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
$15,000 – $49,999 $15,000 $15,000 0.15% 0.15%
$50,000 – $99,999 $50,000 $50,000 0.15% 0.15%
$100,000 – $149,999 $100,000 $100,000 0.30% 0.30%
$150,000 and up $150,000 $150,000 0.40% 0.40%
1 APY is Annual Percentage Yield.
Six-Month Access Certificate is a tiered fixed-rate account that will earn the stated dividend rate for the duration of the account term. Allows penalty-free withdrawals (as allowable per Federal Regulation D) and deposits at any time.

Traditional IRAs, Roth IRAs, and Coverdell Education IRAs

Term Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
12 month2 $25 $25 0.15% — 0.25% 0.15% — 0.25%
18 month $25 $25 0.35% — 0.45% 0.35% — 0.45%
24 month $25 $25 0.35% — 0.45% 0.35% — 0.45%
30 month $25 $25 0.30% — 0.40% 0.30% — 0.40%
36 month $25 $25 0.55% — 0.65% 0.55% — 0.65%
48 month $25 $25 0.75% — 0.85% 0.75% — 0.85%
60 month $25 $25 1.00% — 1.10% 1.00% — 1.10%
1 APY is Annual Percentage Yield.
2 Coverdell Education IRAs are only available in 12-month terms.
The range of IRA rates listed reflect, at the low end, the Regular Dividend Rate available to Members with less than $15,000 in combined savings and loan balances and, at the high end, the Maximum Dividend Rate (Regular Dividend Rate + .10%) available to Members with combined savings and loan balances of $15,000 or more. IRAs 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.

Help + Support

Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.

562.698.8326 | 866 CU SoCal Se Habla Español

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