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View Special Offers from CU SoCal

See below to view current special offers that offer extra value beyond our everyday great rates, low fees and exceptional Member service. The tide is always changing—be sure to check in regularly to see our latest and greatest offers!

Home Sweet Home Equity

3.99% APR
HELOC for 12 months1

Secure an amazing 3.99% APR¹ for the first 12 months and unlock the power of your home's equity to meet your goals. It’s about investing in your future!1

Care To Share

Refer a Member and earn up to $50.2

We’d love the opportunity to bring all the affordable financial services we offer to your friends and family. When you refer a new Member, you each get $50!

Auto Loan

Keep your car. Lower your payment.3

Bring your auto loan to CU SoCal and we'll lower your current rate by up to 2% APR!

3.99% APR
HELOC for 12 months1

Secure an amazing 3.99% APR¹ for the first 12 months and unlock the power of your home's equity to meet your goals.¹

Earn $50 when you refer a new Member.

Earn $50 when you refer a new Member who opens a qualified checking account with direct deposit.

Keep your car and lower your payment.

Bring your auto loan to CU SoCal and we'll lower your current rate by at least 2% APR!

  • 1. APR=Annual Percentage Rate as low as 4.035%. This is an interest-only HELOC (10 years interest only), your payments cover only the interest, and your principal balance will not decrease. After this period, payments will include both principal and interest and may be higher. Offer available for new CU SoCal HELOCs or refinance existing HELOC. The introductory discounted rate 3.99% (intro rate) is fixed for the first 12 months. After the introductory rate period, your rate will adjust to the prime index plus a margin or 4.00%, whichever is higher, subject to a maximum rate of 16%. The promotional rate is not based on the index plus the applicable Margin. Intro 3.99% rate does not apply to subsequent credit limit increases or refinances. Minimum credit line amount to obtain promotional rate is $10,000 with a minimum required monthly payment $74.00. All closing cost are included in the loan except the appraisal fee which will be collected upfront. Borrow up to $250,000 at 80% loan to combined loan to value (CLTV) or up to $500,000 at 70% combined loan to value (CLTV). HELOC is only available on owner-occupied California properties including single-family residences, condominium and two to four-unit properties. Properties with construction work in progress may not be eligible. Borrower responsible for payment of property taxes and homeowner insurance. Fees may be required for a condominium certification, multi-unit property appraisal and changes to title holder. Not all applicants will qualify. Higher rates may apply depending on credit qualification. Maximum loan amount is subject to credit qualification and appraised property value. Promotional rate is effective November 18, 2024, and is subject to change without notice. Loan must fund within 30 days from application date. NMLS #454788.

    2. Promotion valid July 1, 2024, and is subject to change without notice. Referrer must be a CU SoCal Member. Valid only with new Members. New Members are defined as a person 18 and older who has never been an owner of an account at CU SoCal. All new accounts will be verified by ChexSystems® and are subject to approval and Membership eligibility. Both referred and referring Member will receive a $25 cash bonus when referred Member opens a qualified checking account with the required minimum deposit of $100 at account opening. Qualified checking accounts are defined as Rewards Checking and Classic Checking. Both referred and referring Member will receive an additional $25 cash bonus when the referred Member receives a minimum monthly direct deposit of $750 within 90 days from establishing Membership. Referred Member may earn up to $75 total for opening a checking account with a minimum $100 deposit, receiving the qualified $750 minimum monthly direct deposit, and funding an auto or personal loan within 90 days of establishing Membership. Maximum cash bonus referrer can earn is up to $50. Cash bonuses will be credited to Member’s CU SoCal deposit account within 60 days from the date the referred Member meets the requirements. Offer cannot be combined with other promotional offers. Cash bonus may be subject to tax reporting.

    3. 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. 84 Month term option for a KDYR requires a 50bps increase.