Welcome PacTrans Credit Union Members

View Next Steps, Account Information, and Our Welcome Brochure.

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Dave Gunderson, our CEO, welcomes you.

Speaker 1:
It is my honor to welcome you to Credit Union of Southern California, CU SoCal. As a CU SoCal member, you're our top priority. Building better lives through exceptional member experiences every time is our mission. It's what we strive to do every day for every member that we have the honor of serving.
The merger of our two credit unions means greater value for your credit union membership. You now have more branch locations, extended service hours, expanded product offerings, and access to new technologies. The partnership of our credit unions means an even better single source for all of your financial needs.
I want to take this moment and opportunity to personally thank you for your continued credit union membership. We cannot wait for you to experience all that CU SoCal has to offer and to get to know you and your family. We are sincerely honored to continue serving your financial needs with the exceptional service you've come to expect and to deserve.

more than

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donated to local charities in 2022

Accounts for Children Up To 18

Please be advised you must be at least 18 years of age to open a CU SoCal account through our website. CU SoCal offers UTMA accounts for children up to 12, and a minor account can be opened for children aged 13-17. In both cases, the account must be opened in person, as a parent or guardian must be present. Please note children up to 13 cannot have a checking or debit card. For more information on accounts for minors, please call 866.287.6225 or visit your local CU SoCal branch.

Get 24/7 Online Access To Your Account

We offer some of the best Online Banking services in the industry, both through desktop and mobile app.

To get started, visit our Online Banking page to register and access your account from your desktop. Visit Mobile Banking to download our Mobile Banking app to access your accounts from your phone or other mobile device.

You can make transfers, pay bills, deposit checks, locate nearby branches, and much more, all from the convenience of your desktop computer or mobile device.

Make it happen at the speed you need.

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Online and Mobile Access

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Mobile Check Deposit

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Touch ID Login

Nationwide Branch Access
and more ATMs than Chase, BofA, and Wells.

Find Branches & ATMs

Hear from others like you who made it happen.

I am so glad I switched to CU SoCal. I don't have to pay all of the fees my other bank charged me and CU SoCal helped me pay off my debt too!
Ryan, Member since 2016
CU SoCal's mobile app is really easy to use. It's nice to know we can quickly deposit checks, pay bills, and transfer money anytime.
Carol and Michael, Members since 1989
When we fell in love with our first home, CU SoCal's mortgage team emailed us our pre-approval letter while we were still viewing the property. We got approved for a great low rate, and the team worked hard to ensure everything closed on time.
Paul and Rebecca, Members since 2010
My experience with CU SoCal has been wonderful. CU SoCal saved me money on my home and car loans. Online Banking is convenient and allows me to pay my bills easily. But most of all, I love that the staff recognizes me and calls me by name.
Jo Ann, Member since 1980

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Frequently Asked Questions (FAQs) for Credit Unions

Credit unions, including the Credit Union of Southern California (CU SoCal), are not for profit organizations that are financial cooperatives owned by their Members. Typically the offer lower fees and better rates than banks, because their goal is to provide affordable credit and financial services to their Members, not create profit for shareholders.
Learn more about credit unions and how they work.
Banks operate for profit and anyone can conduct business with them. Credit unions, including CU SoCal, are not for profit and offer their services only to their Member-owners. While some credit unions serve certain groups (such as teachers, union workers or employees of a certain company), CU SoCal has broader criteria for new Members, which means anyone who lives, works, attends school or religious services in Los Angeles, Orange, Riverside or San Bernardino County can apply for Membership. Here are some other ways that credit unions and banks are different.
Just like banks, credit unions are federally insured. Banks are insured by the Federal Deposit Insurance Corporation (FDIC) and credit unions are federally insured by the National Credit Union Administration (NCUA), making them just as safe as traditional banks. The National Credit Union Insurance Fund (NCUSIF) is assigned to provide insurance of up to $250,000 per account to any credit union.
The National Credit Union Administration (NCUA) is an independent agency created by the U.S. government to regulate and protect credit unions and their owners. Just like the FDIC, the NCUA insures up to $250,000 to all credit union members and provides protection in the event of a credit union failure. The NCUA is presided over by a three-member board, appointed by the United States President and confirmed by the Senate. The selected members belong to different political parties, and each member serves for a term of six years.
Yes, credit unions are not for profit organizations owned and controlled by the Members who use their services. Credit unions operate to promote the well-being of their Members. Profits made by credit unions are returned back to Members in the form of reduced fees, higher savings rates, and lower loan rates.
There are many advantages to banking at a credit union. Higher returns, better savings rates, low or no fee loans, low interest on loans, and a sense of community, are just a few of the benefits of Membership at CU SoCal. Our Members also have access to 30,000+ free ATMs through the CO-OP Network.
CU SoCal can help individuals build and fix their credit score. Because credit unions are not for profit, we can offer member benefits that can directly and indirectly build an individual’s credit score. For example, CU SoCal offers a Credit Builder Loan created to help Members raise their credit score.
For over 60 years CU SoCal, has been providing financial services, including many types of loans such as mortgages, Home Equity Loans, HELOCs, car loans, personal loans, investment property loans, credit builder loans, and other banking products, to those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County.
Give us a call today at 866.287.6225 today to schedule a no obligation consultation with one of our loan specialists.

We're committed to providing you with the highest level of service.

Our goal is to make this transition as smooth as possible. If there's anything of concern that we haven't addressed above or in the information mailed to you, please contact us at 866.287.6225 or contact us at Support@CUSoCal.org.

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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