Rates

Auto Loans

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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

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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, no balance transfer 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.
^​6. This APR will vary with the market based on the Prime Rate.

Share/Certificate Secured Personal Loan

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 $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 2/21/20.

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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 2/21/20.

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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 2/21/20.

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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

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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

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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

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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

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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

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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

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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

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.

SBA 7(a)

¹ A 10% borrower investment required.
² Loan and line of credit amounts subject to credit qualification and appraised property value.
³ Prime Rate: The Current Index Value is the lowest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect on the first business day of the month immediately preceding the first day of each calendar quarter of each year. Current Index Value: 3.250%.
⁴ The Margin is the percentage points added to the Current Index Value to calculate the interest rate at each adjustment. The Margin remains stable over the life of the loan.
⁵ Payment factor is based on the FULL RATE for 83 payments for SBA 7(a) term < 7 years and 300 payments for SBA 7(a) term 7-25 years.
The rates and prices quoted above are effective as of 1/1/2017, are not guaranteed and are subject to change without notice. Other terms and conditions may apply. For more information, please call the SBA Loan Officer at 562.365.1888 or 714.476.0754 (cell).
 

• Purpose: Can be used for working capital, fixtures and furniture, machinery, purchase of owner-occupied land and building, or business acquisition.
• Minimum/Maximum Loan Amounts: $100,000 minimum up to $2,000,000.
• Maximum Maturity: Working capital = 10 years. Furniture and fixtures / machinery = useful life. Owner-occupied land and building = 25 years.
• Guarantor Requirements: All parties with ownership of 20% or more.
• Injection Requirements: 10% down.
• Collateral: Required.
• Interest Rate (variable adjusts quarterly): Maturities less than 7 years = Prime plus 2.25 percent; Maturities of 7 years or higher = Prime plus 2.75%.
• Personal guarantee will be required.

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 August 1, 2019 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

Classic Checking Account

Open Account

¹ APY is Annual Percentage Yield
Rates are accurate as of August 1, 2019 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 August 1, 2019 and are subject to change.

Open Account

¹ APY is Annual Percentage Yield.
Rates are accurate as of August 1, 2019 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 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

Rates are accurate as of August 1, 2019 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

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 August 1, 2019 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.