Competitive Rates. Flexible Terms.

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Loan Rates

Auto Loans

Loan Term APR2 Est. Payment Per $1001
New Auto (2019 – 2020) Up to 48 months 3.19% 2.22
New Auto (2019 – 2020) Up to 60 - 72 months 3.39% 1.54
New Auto (2019 – 2020) Up to 84 months 3.89% 1.36
Pre-owned Auto (2010 – 2018) Up to 48 months 3.39% 2.23
Pre-owned Auto (2010 – 2018) Up to 60 - 72 months 3.59% 1.55
Pre-owned Auto (2010 – 2018) Up to 84 months 4.09% 1.37

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The annual percentage rates listed are our best rates. 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. CU SoCal GAP policy is $399. Vehicle models 2019 to 2020 with up to *10,000 miles will be considered new. Vehicle models 2010 to 2018 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. Rate includes a 0.50% reduction for payroll direct deposit (at least half of net payroll) into a CU SoCal Checking Account with automatic payment to your loan. 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 7/8/2019 and are subject to change without notice.

Credit Cards

Program APR1 as low as Maximum Credit Limit Estimated Payment Per $1002
CU SoCal Platinum Rewards Visa3, 4, 5, 6
 8.90-15.90% $50,000 3% of balance
Share Secured Visa Platinum Rewards7
 16.40% $95% of balance 3% of balance
CU SoCal Topaz Visa Credit Card3, 4, 6
 6.90%-13.90% $50,000 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 $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. No balance transfer fee
6. 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.
7. This APR will vary with the market based on the Prime Rate.

Share/Certificate Secured Personal Loan

Program Term APR1 Maximum Loan Amount Estimated Payment Per $1002
Share Secured3,4 Up to 120 months 3.95% 95% of balance $1.04
Certificate Secured3,4 Maturity 2.50% + 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 Rate includes a 0.50% reduction for payroll direct deposit (at least half of net payroll) into a CU SoCal Checking Account with automatic payment to your loan. 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.
5. The rates and terms above are effective as of 12/30/2019 and are subject to change without notice.

Fixed-Rate Conforming Mortgage

For a personalized rate quote, please call our home loan specialists at 800.698.7196. The rates and terms below are effective as of 4/6/20.

Product Interest Rate Discount Points APR* Est. Payment Per $1,000
10-Year Fixed 3.125% 0 3.367% $9.71
15-Year Fixed 3.125% 0 3.292% $6.97
20-Year Fixed 3.500% 0 3.630% $5.80
30-Year Fixed 3.500% 0 3.593% $4.49

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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% or for a no-cashout refinance. 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. The rates and terms above are subject to change without notice.

Fixed-Rate Jumbo Mortgage

The rates and terms below are effective as of 4/6/20.
Product Rate Points APR* Est. Payment Per $1,000
30-Year Fixed Jumbo 4.000% 0 4.055% $4.77
15-Year Fixed Jumbo 3.250% 0 3.346% $7.03

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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% or for a no-cashout refinance. 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. The rates and terms above are subject to change without notice.

Adjustable-Rate Mortgage

The rates and terms below are effective as of 4/6/20.
Product Rate Margin Points Caps APR* Est. Payment Per $1,000
5/1 ARM 3.250% 2.500% 0 2/2/6 3.736% $4.35
7/1 ARM 3.500% 2.500% 0 2/2/6 3.711% $4.49
5/5 ARM 2.990% 2.375% 0 2/2/5 2.723% $4.21

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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% or for a no-cashout refinance.. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history, underwriting criteria, and loan amount. The rates and terms above are subject to change without notice. The index for 5/1 ARM and 7/1 ARM loans is One-Year CMT. The index for 5/5 ARM loans is Five-Year CMT.

Home Equity Line of Credit

Amount1 Max CLTV2 APR3 Est. Payment Per $1,0004
Up to $250,000 75% 2.99%
4.75%		 $3.33
$13.33
Up to $150,000 80% 2.99%
4.75%		 $3.33
$13.33
Up to $100,000 90% 2.99%
5.50%		 $4.17
$13.33

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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 and appraised property value.
2 Combined Loan-to-Value (CLTV).
3 The 2.99% promotional rate applies for the first 365 days on new HELOCs. A $495 flat fee will apply. The promotional rate is limited to one per property and does not apply to subsequent credit limit increases or refinances. Home Equity Line of Credit is an adjustable mortgage. After that, the rate will adjust to the current index rate plus the applicable Margin. The index for our HELOC loans is prime rate. 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 5/1/2018, 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 15 Years 75% 5.25% 0 5.25% $8.04
Up to $250,000 Up to 20 Years 75% 5.75% 0 5.75% $7.02
Up to $250,000 Up to 25 Years 75% 5.75% 0 5.75% $6.29
Up to $150,000 Up to 15 Years 80% 5.25% 0 5.25% $8.04
Up to $150,000 Up to 20 Years 80% 5.75% 0 5.75% $7.02
Up to $150,000 Up to 25 Years 80% 5.75% 0 5.75% $6.29

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1 Combined Loan-to-Value (CLTV).
2 Payment factor is based on a 15-year term, 20-year term, or 25-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 4/19/2019, 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.

100% Financing

Type Term APR2 Est. Payment Per $1001
New (2019 – 2020) Up to 180 months 6.85% – 16.85% $.89 – $1.53
Pre-owned (2008 – 2018) Up to 180 months 7.25% – 17.25% $.91 – $1.56

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Financing available up to 100% of retail/MSRP value including  tax, license, and document fees. 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 8/20/2019 and are subject to change without notice.

100% Financing

Type Term APR2 Est. Payment Per $1001
New Boat (2019-2020) Up to 180 months 6.85% – 16.85% $.89 – $1.53
Pre-owned (2008-2018) Up to 180 months 7.25%-17.25% $.91-$1.56

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Financing available up to 100% of retail/MSRP value including  tax, license, and document fees. 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 8/20/2019 and are subject to change without notice.

100% Financing

Type Term APR2 Est. Payment Per $1001
New Motorcycle (2019 – 2020) Up to 84 months 7.65% – 17.45% $1.54 – $2.07
Pre-owned Motorcycle (2008 – 2018) Up to 84 months 7.80% – 17.60% $1.55 – $2.08

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Financing available up to 100% of retail/MSRP value including  tax, license, and document fees. 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.

100% Financing

Type Term APR2 Est. Payment Per $1001
New Personal Watercraft (2019 – 2020) Up to 84 months 7.65% – 17.45% $1.54 – $2.07
Pre-owned Personal Watercraft (2008 – 2018) Up to 84 months 7.80% – 17.60% $1.55 – $2.08

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Financing available up to 100% of retail/MSRP value including  tax, license, and document fees. 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 8/20/2019 and are subject to change without notice.

Quad/Side by Side

Type Term APR Est. Payment Per $100
New Quads/ Side by Side (2019-2020) up to 84 months 7.65%-17.45% $1.54-$2.07
Financing available up to 100% of retail/MSRP value including  tax, license, and document fees. 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 9/27/2019 and are subject to change without notice.

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.
Rates are accurate as of March 1, 2020 and are subject to change. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.

Access Account

Account Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
$15,000-$49,999 $15,000 $15,000 0.75% 0.75%
$50,000-$99,999 $50,000 $50,000 0.85% 0.85%
$100,000-$149,999 $100,000 $100,000 1.00% 1.00%
$150,000+ $150,000 $150,000 1.14% 1.15%

Classic 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
Rates are accurate as of March 1, 2020 and are subject to change.

 

Rewards Checking Account Rates

Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY5
$0 $.01 0.35% 0.35%
5 APY is Annual Percentage Yield.
To earn the Rewards 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.
Rates are accurate as of March 1, 2020 and are subject to change.
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.
Rates are accurate as of March 1, 2020 and are subject to change. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.

 

Soar Money Market*

Account Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
$500-$9,999 $15,000 $500 1.74% 1.75%
$10,000-$49,999 $15,000 $10,000 1.74% 1.75%
$50,000-$149,000 $50,000 $50,000 1.74% 1.75%
$150,000+ $150,000 $150,000 1.74% 1.75%
1 APY is Annual Percentage Yield.
Rates are accurate as of January 7, 2020 and are subject to change. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.
*New Funds (not currently on deposit at CU SoCal)

Regular and Minor Certificates

Length of Certificate Minimum Opening Balance Minimum to Earn Dividend Dividend Rate2 APY1
1 month $7,500 $7,500 0.20% 0.20%
3 month $1,000 $1,000 0.40% 0.40%
6 month $1,000 $1,000 0.85% 0.85%
12 month2 $1,0002 $1,000 1.00% 1.00%
18 month $1,000 $1,000 1.20% 1.21%
24 month $1,000 $1,000 1.40% 1.41%
36 month $1,000 $1,000 1.60% 1.61%
48 month $1,000 $1,000 1.70% 1.71%
60 month $1,000 $1,000 1.80% 1.82%
Rates are accurate as of March 1, 2020 and are subject to change.The range of certificate rates listed reflect 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.
1 APY is Annual Percentage Yield.
2 For Minor Certificates, the minimum term is 12 months; the minimum opening balance and minimum to earn dividends is $250.
 

Traditional IRAs, Roth IRAs, and Coverdell Education IRAs

Term Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
12 month2 $25 $25 0.90% — 1.00% 0.90% — 1.00%
18 month $25 $25 1.10% — 1.20% 1.10% — 1.20%
24 month $25 $25 1.30% — 1.40% 1.30% — 1.40%
36 month $25 $25 1.50% — 1.60% 1.50% — 1.60%
48 month $25 $25 1.60% — 1.70% 1.60% — 1.70%
60 month $25 $25 1.70% — 1.80% 1.70% — 1.80%
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.
Rates are accurate as of March 1, 2020 and are subject to change. 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.
3. For Traditional, Roth and Coverdell Education IRAs, the minimum opening balance and minimum to earn dividends is $25.

About

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, 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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