Rates

Auto Loans

No matter what you’re looking to finance, we’re here to help your dreams become a reality. We offer some of the most competitive California credit union rates in the industry for a variety of loans, including auto loans, personal loans, mortgages, credit cards and much more!

No Payments for 90 days¹

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1. With 90-day payment deferment, interest will continue to accrue as of funding date.

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. Vehicle models 2021 to 2022 with up to *10,000 miles will be considered new. Vehicle models 2012 to 2020 with up to 120,000 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. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 9/28/2022 and are subject to change without notice.

Credit Cards

With our dynamic credit card options, you can control how you spend while being rewarded at the same time.

CU SoCal credit cards offer some of the most competitive credit union interest rates in the industry, with amazing deals such as 0% APR on balance transfers, no annual fees, and much more.

Our credit cards are full integrated with our Online and Mobile Banking, allowing Members to have maximum control for greater convenience.
 

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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

Whether you’re trying to make a key purchase or simply building your credit, let us help you achieve your financial goals with a personal loan from CU SoCal. Our credit union personal loan rates are some of the most competitive on the market, and what’s more, we’ve also eliminated application and funding fees!

Unsecured Personal Loan

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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 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. 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

Just like there’s no place like home, there’s no place like CU SoCal for the best rates on home loans. Alongside rapid pre-approval, we also offer low down-payments, a flat lender fee, as well as some of the most competitive mortgage rates available.

See all home listings in your search areas at CUSoCalHomeRewards.com, our free online home shopping platform.

For a personalized rate quote, please call our home loan specialists at 800.698.7196. The rates and terms below are effective as of 9/30/2022.

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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 9/26/2022-10/3/2022.

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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.

Fixed-Rate High Balance Mortgage

The rates and terms below are effective as of 9/30/2022.

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High Balance Conforming loan amounts vary and depend on property location starting at $647,201 up to a maximum of $970,800.
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.

Interest Only Adjustable Rate Mortgage (ARM) Loan

The rates and terms below are effective as of 9/30/2022.

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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 rate/term refinance. The rate-lock period is 45 days and the assumed credit score is 740. 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.

Home Equity Line of Credit

Get the extra cash you need with a Home Equity Line of Credit (HELOC) from CU SoCal. Whether you’re looking to renovate, repair, or simply need more cash on hand, a home equity line of credit may be the best choice for you. With a HELOC, you can access up to 80% of your home’s equity with either a lump-sum loan or revolving credit line to access the funds you need.

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1. APR=Annual Percentage Rate. Offer available only for new CU SoCal HELOCs or refinanced HELOC from outside lender.

2. Combined loan to value (LTV) not to exceed 80% of the appraised property value. Maximum loan amount is subject to credit qualification and appraised property value. HELOC is only available on owner-occupied California properties including single-family residences, condominium and two-, three-, or four-unit properties. Properties with construction work in progress may not be eligible. Borrower responsible for payment of property taxes and homeowners insurance.

3. Fees may be required for a condominium certification, multi-unit property appraisal and changes to title holder. Rates above are effective 9/27/22 and is subject to change without notice. NMLS#454788

Credit Union of Southern California is located at 8101 E. Kaiser Blvd., Suite 300, Anaheim, CA 92808

Home Equity Loan

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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.
The rates and prices quoted above are effective as of 9/27/2022, 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.

We understand that home is where the heart is, which is why CU SoCal proudly offers flexible loans for motor homes and trailers. Our loans offer flexible terms of up to 180 months, with up to 100% financing paired with competitive rates. Whether you’re trying to finance a trailer, camper, recreational vehicle, or motor home, we’re here to help.

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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. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 1/1/2022 and are subject to change without notice.

Take to the sea, or even just the local lake or river, with a boat loan from CU SoCal. We offer competitive rates and flexible terms on new and used boats, so no matter where your adventures take you, we’re here to help you conquer the waters!

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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. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 1/1/2022 and are subject to change without notice.

Just like you, we love the freedom of a wide-open road. With a motorcycle loan from CU SoCal, you can easily finance the bike of your dreams thanks to our flexible terms of up to 84 months paired with competitive interest rates and low monthly payments. From scooters to choppers, we’re here to help finance what drives you.

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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. The above discounts are one time, and only apply at time of origination. The rates and terms above are subject to change without notice.

In addition to a variety of boats, CU SoCal proudly offers loans for various personal watercrafts as well. We offer up to 100% financing with terms of up to 84 months, all paired with a low APR and monthly payments. Whether you’re tearing through saltwater or drifting through freshwater, our competitive rates and flexible term loans are the perfect picks to fuel your aquatic adventures.

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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. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 1/1/2022 and are subject to change without notice.

Quad/Side by Side

Sometimes, we all need to escape and break free of the beaten path, and when you’re ready, CU SoCal is here to make your off-roading dreams a reality!

We’ve made getting the recreational off-roader of your dreams easier than ever with up to 100% financing and flexible loan terms of up to 84 months.
  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. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 1/1/2022 and are subject to change without notice.

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 October 1, 2022 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.

Classic Checking Account

Open Account

¹ APY is Annual Percentage Yield
Rates are accurate as of October 1, 2022 and are subject to change.

 

Rewards Checking Account Rates

Minimum Opening Balance	Minimum to Earn Dividend	Dividend Rate	APY5
$0	$.01	0.10%	0.10%

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 October 1, 2022  and are subject to change.

Open Account

¹ APY is Annual Percentage Yield.
Rates are accurate as of October 1, 2022  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*

¹ APY is Annual Percentage Yield.
Rates are accurate as of October 1, 2022 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)- $15,000 Minimum opening deposit

Regular and Minor Certificates

Rates are accurate as of October 1, 2022 and are subject to change.The range of certificate rates listed above 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 +0.10% APY) available to Members with combined savings and loan balances of $15,000 or more. The amount of new or renewing certificate/s will be included in combined balance computations. 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

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 October 1, 2022 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.