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Limited-Time Offer

Make This Season More Rewarding with 7.00% APY1

Take advantage of our special 7.00% APY 7-Month Certificate.¹ With a powerful fixed rate and short-term commitment, it's a rewarding way to help your savings grow faster.

New Members: Apply Now Existing Members: Schedule an Appointment

Earn a special 7.00% APY on a 7-Month Certificate

Get a great rate for a limited time from Credit Union of Southern California (CU SoCal).

  • 7.00% APY for a 7-month term1
  • $500 minimum opening deposit, $7,000 maximum deposit
  • New funds only from outside CU SoCal
  • Fixed rate for the full term
  • One promotional certificate per Member
  • Offer expires December 31, 2026

Open your certificate today!

New Members

Open an Account

Current Members

Open your certificate at any CU SoCal branch (schedule an appointment) or call 866.287.6225.

Schedule an Appointment

Why Choose a CU SoCal Share Certificate?

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High-yield, fixed rate for guaranteed growth

Your rate is locked in from day one—no market risk, just reliable, short-term returns.

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Federally insured for peace of mind

Your savings are safe with CU SoCal. All Share Certificates are federally insured by the NCUA for up to $250,000, giving you the confidence to invest securely.

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Online and mobile account management

Manage your open Certificate anywhere life takes you through Online Banking or the Mobile App. Watch your savings grow and see your progress.

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Qualify for Rewards+ Loyalty Program

Having a $25,000 average daily balance across your accounts brings you one step closer to qualifying for our Rewards+ Member Loyalty Program.

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Frequently Asked Questions

  • A certificate is a savings account that lets you earn a fixed dividend rate when you keep your money deposited for a set period of time. Because your funds are committed for the certificate term, certificates typically offer higher returns than traditional savings accounts. With as little as $500 to open, a certificate can be a great option for money you don’t need right away and want to put to work earning more.

  • An early withdrawal penalty may apply if you withdraw principal from your certificate before its maturity date. The penalty is based on the certificate term and amount withdrawn and may include earned dividends and principal. If a withdrawal reduces your balance below the required minimum, the penalty may be applied to the entire principal balance and the certificate will be closed, with any remaining funds transferred to your Regular Savings Account.

    See promo terms and conditions

  • Yes. Certificates offer a secure, predictable way to grow your savings. Your rate is locked in for the certificate term, helping you know what to expect while your money grows. Plus, eligible deposits at CU SoCal are federally insured by the National Credit Union Administration ( NCUA) up to applicable limits.

Open an account to start saving

Don't miss out on this limited-time opportunity! Open your CU SoCal special certificate to earn a 7.00% APY for seven months.

New Members: Open an Account Current Members: Schedule an Appointment
Earn 4.25% APY for a full year*

For a limited time, earn 4.25% APY when you open a 12-month certificate. $500 minimum to open. New funds only.

*View Certificate Offer
Hit the road with rates as low as 3.99% APR*

Enjoy auto loan rates as low as 3.99% APR—new, used, or refinanced.

*View Auto Loan Offer

  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

    1. APY = Annual Percentage Yield. Promotional rate of 7.00% APY for 7 months valid October 15-December 31, 2026. All accounts will be verified by ChexSystems® and are subject to approval and Membership eligibility. Promotional APY and offer terms are subject to change before account opening. Once opened, the promotional dividend rate is fixed for the 7-month term. The annual percentage yield assumes dividends remain on deposit until maturity; dividends are compounded daily and credited monthly; early withdrawals will reduce earnings. The minimum certificate opening deposit is $500 new funds (defined as money not currently on deposit with CU SoCal) and Member must maintain a $500 minimum balance required to obtain the advertised APY; maximum contribution at time of opening is $7,000 and must be received by December 31, 2026. New Member online deposits are capped at $7,000 and must originate from an external (non-CU SoCal) account. Promotional certificate deposits via CU SoCal ACH transfers must remain on balance in account for a minimum of 60 days or early withdrawal penalties will apply. We may impose a penalty if you withdraw the principal from your certificate account before the maturity date. The penalty will be 90 days of dividends on the amount withdrawn. If the amount withdrawn reduces the principal balance below the stated minimum, you will be assessed a penalty on the entire principal balance. We will close the certificate account and transfer any remaining balance to your Regular Savings Account. Certificate automatically renews to a 6-month term at maturity at the then current APY unless withdrawn during the 7-calendar day grace period; maturity date and terms provided at account opening. Renewal APY is based on your CU SoCal relationship and current rates at the time of renewal. Visit CUSoCal.org/Rates for details. Limit one promotional certificate per primary Member.

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If you click ‘Continue’ an external website that is owned and operated by a third-party will be opened in a new browser window. CU SoCal provides links to external websites for the convenience of its Members. These external websites may not be affiliated with or endorsed by the credit union. Use of these sites are at the user’s risk. These sites are not under the control of CU SoCal and CU SoCal makes no representation or warranty, express or implied, to the user concerning:

  1. the information, content, presentation, accuracy or opinions of these sites, or
  2. the quality, safety or suitability of any software found on these sites.

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Using a hyperlink may identify you as a CU SoCal Member to the operator of the external site.

CU SoCal does not provide and is not responsible for the product, service or overall website content available at these sites. The privacy policies of CU SoCal do not apply to linked websites and you should consult the privacy disclosures on these sites for further information.

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