Smart Solutions to Reduce Costs and Save Cash

The financial solutions below from Credit Union of Southern California (CU SoCal) can help you reduce costs and save cash to protect your family’s financial wellness during these challenging times.

Get a Low Rate With CU SoCal Topaz Visa® Card

  • Credit limits up to $50,0001
  • No annual fee2  
  • Low cash-advance fee of 2%
1. Aggregate maximum unsecured loan limits (credit card and personal loans, not to exceed $50,000.)
2. CU SoCal credit cards feature no annual fee and a 25-day grace period on all purchases (when balance is paid in full each month).
 

Refinance Your Auto Loan From Another Lender to Reduce Your Monthly Payment

  • Lower your current rate by at least 2% APR—rates as low as 5.99% APR
  • No application or funding fee
  • Quick approval & funding
  • Extended terms up to 84 months
  • Save hundreds per year and thousands over life of loan
1. CU SoCal loans are ineligible. $5,000 minimum amount financed. Member must credit qualify and have a credit score of greater than or equal to 630, as reported to CU SoCal. Not all Members will qualify. APR=Annual Percentage Rate. APR, financing terms, and/or loan to value of vehicle will vary based on model and/or applicant's credit worthiness. Vehicle model year must be 10 years old or newer. All loans and vehicles are subject to approval. Requested loan amount cannot exceed the present value of the vehicle as determined by Kelly Blue Book. Promotion and rate are subject to change without notice. Please ask a CU SoCal loan specialist for our current floor rate which corresponds to our lowest promotion rate.

Get Cash Fast With a Home Equity Line of Credit

  • Convenient access through checks and online transfers
  • Fast approval, even with less than perfect credit
  • No appraisal fee, annual fee, or closing costs
  • Credit limit up to $250,0001
  • Interest-only payment option to keep monthly payments low
APRs listed reflect our best rates and may be higher depending on individual credit rating and account history.
1. Maximum loan amount subject to credit qualification, appraised property value and Combined Loan-to-Value (CLTV). 

The rates and prices quoted above are effective as of 3/1/2021, 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.

 

Lock in Long-Term Savings and Access Cash With a Refinanced Mortgage

  • Rates as low as 6.500% APR1, 2 
  • Low, flat lender fees as low as $9953
  • Financing up to $1.5 million
  • Flexible terms of 10-, 15-, 20-, and 30-years
  • Purchase, refinance and cash out refinance available
  • Free online home search service
  • A no-closing-cost option4

1,2. 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% or for a no-cashout refinance. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. Estimated payment is $4.21 per $1,000 borrowed for 60 months for a 30-year term. Payment example does not include cost of property taxes or insurance, so the actual payment obligation may be greater. Rates and programs are subject to change without notice. Rate is subject to increase. Existing CU SoCal mortgage loans are ineligible for 2.990% rate.
3. Member must credit qualify. 
4. CU SoCal offers a No-Closing-Cost Home Loan Refinance Program for qualified refinances. Under this program, the credit is disclosed on the Good Faith Estimate to offset origination and third-party fees. Eligible loan amounts from $200,000 to $417,000 on owner-occupied properties only. Maximum Loan-to- Value (LTV) ratio up to 70% on rate and term refinances only. Member must credit qualify.

Credit Union of Southern California NMLS #454788


 

Competitive Purchase Home Loans

If you’re looking to buy a home, turn to CU SoCal for your purchase loan. We also offer an exclusive free property search service called Home Rewards. Search properties online and receive alerts when new listings that meet your criteria appear on the market. Our Members highly rate all aspects of Home Rewards, especially the experienced real estate agents who are available through the service. In using a Home Rewards real estate agent, you’re eligible for a rebate on the agent’s commission up to 25%. CU SoCal Members have collectively received $126,000 in Home Rewards rebates!  Click here to sign up free!

Ready to apply for a purchase home loan? Click here to apply

You Don’t Need to be a Credit Union Member to Apply For a Loan!

You can apply for any financial product listed below even if you are not currently a Member of CU SoCal. We’ll open a Membership as part of your loan or credit card application. Membership in CU SoCal is open to anyone who lives, works, attends religious services or school in Los Angeles, Orange, Riverside, or San Bernardino County.

Questions? Call us toll-free at 866.287.6225 to speak to a live representative, Monday through Friday: 9 a.m.-6 p.m. or Saturday: 9 a.m.-1 p.m.

Three Key Financial Moves to Make Right Now

Preserve cash and liquidity
Why? You need cash to pay your monthly fixed expenses, avoid additional debt, and to create an emergency fund should your financial situation worsen.

Get new credit at best possible rate
Why? If you need new credit to meet your obligations, find a resource that has fast approval, flexible access, and lowest possible rate.

Transfer high-interest debt to lower rate
Why? A lower interest rate on existing debt will lower your monthly payment, helping you to preserve cash.

We want to help you preserve cash and liquidity by lowering your cost of existing debt to reduce monthly payments. If you need a new source of affordable credit, we have that, too. The CU SoCal financial products below are smart solutions that will help your family defend and improve its finances during the COVID-19 crisis—and for the future!

Rewards Checking

  • CU SoCal Dream Points earned with qualifying debit card purchases.2
  • Visa® Debit Card & access to 30,000+ free ATMs through the CO-OP Network.
  • Apple Pay™ ready.
  • Mobile check deposit.
  • Entitlement to credit monitoring by three major credit bureaus.
  • Full-service identity theft restoration with a personal privacy advocate.3
  • Up to $25,000 identity theft expense reimbursement.3,4
  • Convenient online and mobile services.
  • Overdraft protection.
  • No minimum balance requirements.
  • $5 monthly fee.

Classic Checking

  • No minimum opening balance requirement.
  • No minimum balance requirement.
  • Visa® Debit Card & access to 30,000+ free ATMs through the CO-OP Network.
  • Apple Pay™ ready.
  • Free online and mobile services including mobile check deposit, mobile bill pay, and mobile debit card controls.
  • Overdraft protection.
  • Free with eStatements.

Savings Accounts

  • We offer passbook savings, CDs, Money Market, and IRA savings.
  • Get up to 10 separate accounts for each of your savings goals.
  • Dividends earned with a minimum daily balance of $500.
  • Automatic deposits and transfers.
  • Optional free debit card for convenient ATM access worldwide.
  • Can serve as overdraft protection for your checking account.
  • We offer savings-secured credit cards and personal loans.
  • Full access through the branches, ATM, online and by phone.

Auto Loans

  • Up to 120% financing for new and used vehicles.2
  • Quick pre-approvals.
  • Extended terms up to 84 months for the lowest possible monthly payment.
  • A personal auto-buying concierge service.
  • Low-cost loan protection add-ons.
  • No application or funding fees.

Home Loans

  • Down payments as low as 3%.1
  • Fast pre-approval.2
  • Financing up to $1.5 million.
  • Flexible terms of 10-, 15-, 20-, and 30-years.
  • Fast financing
  • Professional guidance
  • Low, flat lender fee of $9954
  • Realtor rebates5
Our professional and friendly mortgage specialists are available to help every step of the way—even after hours and on weekends. Call us at 800.698.7196, email us at HomeLoans@CUSoCal.org, or request a callback and we'll reach out to you.

How are we different?

  • Last year our Members saved more than $10 million in loans compared to California bank averages.
  • Our Members earned nearly $1 million more on savings compared to California bank averages.
  • Overall, we delivered $15.2 million to Members in direct financial benefits.
  • We also presented 94 free personal financial management workshops for our Members, and donated $477,000 to local charities, foundations and families in need.
  • We have a five-star rating from BauerFinancial.
 

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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, Riverside 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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