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.

Reduce Debt Faster With a CU SoCal Topaz Visa Card

  • 0% APR for 9 months on balance transfers1,2,5
  • Low 2% transfer fee ($100 for every $5,000 transferred)
  • Credit limits up to $50,0003
  • No annual fee4  
  • Low cash-advance fee of 2%
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 $50,000.)
4. 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).
5. APR is based on your creditworthiness at the time you establish your account. This APR will vary with the market based on the Prime Rate.

 

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 2.79% 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

  • Low 2.99% APR for 12 months1
  • Convenient access through checks and online transfers
  • Fast approval, even with less than perfect credit
  • No appraisal fee, annual fee, or closing costs1
  • Credit limit up to $250,0002
  • Interest-only payment option to keep monthly payments low
  • Low, flat $50 application fee and a flat $495 processing fee
APRs listed reflect our best rates and may be higher depending on individual credit rating and account history.
1. The 2.99% promotional rate applies for the first 365 days on new HELOCs. A $50 application fee and a $495 processing fee will apply. The promotional rate is limited to one per property and does not apply to subsequent credit limit increases or refinances. After promotional period ends, 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.
2. 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 5/1/2020, 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.


 

Meet Critical Needs With an Emergency Loan

  •  $10,000 maximum per household
  • 3.25% APR fixed rate
  • 60 months max term
  • No payment for 90 days
A hardship letter describing your financial difficulties due to COVID-19 is required as part of your application.

APR=Annual Percentage Rate. Rate shown is for up to a 60-month term and is subject to change. The approximate payment per $1,000 on a 60-month term unsecured loan at 3.25% APR is $18.08. Call 866.287.6225 for more details. All loans are subject to approval. Not all Members will qualify. CU SoCal Emergency Loan is effective March 23, 2020 and is subject to change without notice.

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

  • Rates as low as 2.79% 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!

How Refinancing Your Car Loan Can Save You Money

Compare the difference on $30,000 auto loan for 72 months
With a 7.25% APR loan, monthly payment is $515
With a 3.10% APR loan from CU SoCal, monthly payment is $457
Annual savings: $680
Savings over life of loan: $4,171

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
  • Rates as low as 3.19% APR.1
  • 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
  • Competitive rates starting at 2.990%/3.514% APR.3
  • 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.
 

Branch Locations

Los Angeles County


Alhambra

Serving CU SoCal Members on the Mezzanine level in the Los Angeles Department of Public Works building. A deposit-taking CU SoCal ATM is also available in the main lobby.
Learn more >

Due to the closure of the county building in Alhambra where we are located, our Alhambra branch will be closed until further notice. 

900 S. Fremont Ave.
Alhambra , CA 91803

Monday-Thursday 8 a.m.-5 p.m. (Last Day of Service Thursday, March 26)

  

Get Directions


City of Industry

Serving CU SoCal Members and CO-OP shared branch Members in the City of Industry on Colima Road between Stone Creek Road and Walnut Hall Road. There is also a CU SoCal ATM available with 24-hour access.
Learn more >

17871 Colima Rd.
City of Industry, CA 91748

Monday-Friday 9 a.m.-5 p.m.

  

Get Directions


Covina

Serving CU SoCal Members and CO-OP shared branch Members in Covina Town Square between Arrow Highway and Covina Boulevard. There is also a deposit-taking CU SoCal ATM available with 24-hour access.
Learn more >

1404 N. Azusa Ave.
Covina , CA 91722

Monday-Friday 9 a.m.-5 p.m.

  

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El Monte

Serving CU SoCal Members and CO-OP shared branch Members in El Monte on Concert Street across from El Monte High School. There is also a CU SoCal ATM available during branch business hours.
Learn more >

11024 Concert St.
El Monte, CA 91731

Monday-Friday 9 a.m.-5 p.m. 

Get Directions


L.A. San Vicente

Serving CU SoCal Members in the Beverly Grove district of West Los Angeles on San Vicente Boulevard near the Cedars-Sinai Outpatient Rehabilitation Program. There is also a deposit-taking CU SoCal ATM available with 24-hour access.
Learn more >

470 S. San Vicente Blvd., 1st Floor
Los Angeles, CA 90048

Monday-Friday 9 a.m.-5 p.m. Due to damage from civil unrest, this branch is temporarily closed.

Get Directions


Pico Rivera

Serving CU SoCal Members in Pico Rivera on Whittier Boulevard between Passons Boulevard and Durfee Ave. There is also deposit-taking CU SoCal ATMs available with 24-hour access.
Learn more >

Due to COVID-19 preventative measures, the last day of service at this location will be Friday, March 27. The branch will temporarily close until further notice. We will keep you updated as information becomes available.

9330 Whittier Blvd.
Pico Rivera, CA 90660

Monday-Friday 9 a.m.-5 p.m. (Last Day of Service Friday, March 27)

  

Get Directions


Pomona

Serving CU SoCal Members and CO-OP shared branch Members in Pomona in the Rio Rancho Towne Center located conveniently off of the 71 FWY. There is also a deposit-taking CU SoCal ATM available with 24-hour access.
Learn more >

737 Rio Rancho Rd.
Suite 220
Pomona, CA 91766

Monday-Friday 9 a.m.-5 p.m.

  

Get Directions


Uptown Whittier

Serving CU SoCal Members and CO-OP shared branch Members in Whittier on Greenleaf Avenue between Whittier Boulevard and La Cuarta Street. There is also a deposit-taking CU SoCal ATM available with 24-hour access.
Learn more >

8028 Greenleaf Ave.
Whittier, CA 90602

Monday-Friday 9 a.m.-5 p.m. 

  

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Whittier Marketplace

Serving CU SoCal Members in Whittier in the Whittier Marketplace shopping center between Hadley Street and Philadelphia Street. The ATM is currently out-of-service and unavailable for use.
Learn more >

11749 Whittier Blvd.
Whittier, CA 90601

Monday-Friday 9 a.m.-5 p.m. 

  

Get Directions

Orange County


Anaheim

Serving CU SoCal Members and CO-OP shared branch Members at Center Street Promenade on the first floor within St. Joseph Heritage Health. There is also a deposit-taking CU SoCal ATM available with 24-hour access.
Learn more >

200 W. Center Street Promenade
Suite 101
Anaheim, CA 92805

Monday-Friday 9 a.m.-5 p.m. Due to concerns of civil unrest, this branch is temporarily closed.
  

Get Directions


Brea

Serving CU SoCal Members and CO-OP shared branch Members in Brea on the corner of Imperial Highway and Kraemer Boulevard. For check and cash deposits, and cash withdrawals, there is also a CU SoCal ATM available with 24-hour access.
Learn more >

2500 E. Imperial Hwy.
Suite 170
Brea, CA 92821

Monday-Friday 9 a.m.-5 p.m.

  

Get Directions


Costa Mesa

Serving CU SoCal Members and CO-OP shared branch Members in Costa Mesa on the corner of Harbor and Newport Boulevard. For check and cash deposits, and cash withdrawals, there is also a CU SoCal ATM available with 24-hour access.
Learn more >

1835 Newport Blvd.
Costa Mesa, CA 92627-5031

Monday-Friday 9 a.m.-5 p.m.

  

Get Directions


Fullerton

Serving CU SoCal Members and CO-OP shared branch Members in downtown Fullerton on Wilshire Avenue between Highland Avenue and Malden Avenue. There is also a deposit-taking CU SoCal ATM available with 24-hour access.
Learn more >

230 W. Wilshire Ave.
Fullerton, CA 92832

Monday-Friday 9 a.m.-5 p.m.

  

Get Directions


Garden Grove

Serving CU SoCal Members and CO-OP shared branch Members in Garden Grove on Stanford Avenue next to the Garden Grove Regional Library and Garden Grove. There is also a deposit-taking CU SoCal ATM available with 24-hour access.
Learn more >

11390 Stanford Ave.
Garden Grove, CA 92840

Monday-Friday 9 a.m.-5 p.m. 

  

Get Directions


North La Habra

Serving CU SoCal Members and CO-OP shared branch Members in La Habra on Whittier Boulevard between Harbor Boulevard and Stonewood Street.There is also a deposit-taking CU SoCal ATM available with 24-hour access.
Learn more >

901 E. Whittier Blvd.
La Habra, CA 90631

Monday-Friday 9 a.m.-5 p.m. 

  

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Laguna Niguel

Serving CU SoCal Members in Laguna Niguel in the Chet Holifield Federal Building. There is also a cash-dispensing CU SoCal ATM available in the cafeteria. Please select an alternate branch unless you are a federal employee with approved access to this building.
Learn more >

Due to the closure of the federal building in Laguna Niguel where we are located, our Laguna Niguel branch will be closed until further notice. 

24000 Avila Rd., Suite U120
Laguna Niguel, CA  92677

Monday-Friday 9 a.m.-5 p.m. (Last Day of Service Friday, March 27)

Get Directions


Orange

Serving CU SoCal Members in Orange on Main Street between the 22 Freeway and La Veta Avenue. There is also a deposit-taking CU SoCal ATM available with 24-hour access.
Learn more >

Due to COVID-19 preventative measures, the last day of service at this location will be Friday, March 27. The branch will temporarily close until further notice. We will keep you updated as information becomes available.

655 S. Main St., Suite 240
Orange, CA 92868

Monday-Friday 9 a.m.-5 p.m. (Last Day of Service Friday, March 27)

Get Directions

San Bernardino County


Ontario

Serving CU SoCal Members and CO-OP shared branch Members in Ontario on the corner of Archibald Avenue and Guasti Road. There is also a deposit-taking CU SoCal ATM available with 24-hour access.
Learn more >

2777 E. Guasti Road
Suite 6
Ontario, CA 91761

Monday-Friday 9 a.m.-5 p.m.

  

Get Directions

Make it happen with the right rate!


 

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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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