Loan and deposit rates
As a not for profit financial institution, we keep our loan and deposit rates highly competitive to create value for our Members.
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Summer of Savings: Get $500 with a Rewards Checking Account, 5% APY on a 5-month Share Certificate, and vehicle loans rates as low as 4.50% APR. Learn more.
Certificate rates
| Length of certificate | Min. opening balance | Min. to earn dividend | Rewards+ Dividend Rate | Rewards+ APY | Non-Rewards+ Dividend Rate² | Non-Rewards+ APY¹ |
|---|---|---|---|---|---|---|
|
Length of certificate:
1 month |
Min. opening balance:
$7,500 |
Min. to earn dividend:
$7,500 |
Rewards+ Dividend Rate
:
4.17% |
Rewards+ APY:
4.25% |
Non-Rewards+ Dividend Rate²:
0.10% |
Non-Rewards+ APY¹:
0.10% |
|
Length of certificate:
3 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Rewards+ Dividend Rate
:
4.17% |
Rewards+ APY:
4.25% |
Non-Rewards+ Dividend Rate²:
2.72% |
Non-Rewards+ APY¹:
2.75% |
|
Length of certificate:
6 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Rewards+ Dividend Rate
:
4.17% |
Rewards+ APY:
4.25% |
Non-Rewards+ Dividend Rate²:
2.96% |
Non-Rewards+ APY¹:
3.00% |
|
Length of certificate:
12 month² |
Min. opening balance:
$1,000² |
Min. to earn dividend:
$1,000 |
Rewards+ Dividend Rate
:
3.69% |
Rewards+ APY:
3.75% |
Non-Rewards+ Dividend Rate²:
3.20% |
Non-Rewards+ APY¹:
3.25% |
|
Length of certificate:
18 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Rewards+ Dividend Rate
:
3.69% |
Rewards+ APY:
3.75% |
Non-Rewards+ Dividend Rate²:
3.20% |
Non-Rewards+ APY¹:
3.25% |
|
Length of certificate:
24 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Rewards+ Dividend Rate
:
3.69% |
Rewards+ APY:
3.75% |
Non-Rewards+ Dividend Rate²:
2.96% |
Non-Rewards+ APY¹:
3.00% |
|
Length of certificate:
36 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Rewards+ Dividend Rate
:
3.69% |
Rewards+ APY:
3.75% |
Non-Rewards+ Dividend Rate²:
2.96% |
Non-Rewards+ APY¹:
3.00% |
|
Length of certificate:
48 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Rewards+ Dividend Rate
:
3.69% |
Rewards+ APY:
3.75% |
Non-Rewards+ Dividend Rate²:
2.96% |
Non-Rewards+ APY¹:
3.00% |
|
Length of certificate:
60 month |
Min. opening balance:
$1,000 |
Min. to earn dividend:
$1,000 |
Rewards+ Dividend Rate
:
3.69% |
Rewards+ APY:
3.75% |
Non-Rewards+ Dividend Rate²:
2.96% |
Non-Rewards+ APY¹:
3.00% |
Rates Effective as of: July 13, 2025
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. **Rewards+ certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Member. 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. The rates and terms above are subject to change without notice.
Money market account rates
| Account Type | Minimum Opening Balance | Minimum to Earn Dividend | Dividend rate | APY¹ |
|---|---|---|---|---|
|
Account Type :
$2,500 – $14,999 |
Minimum Opening Balance :
$2,500 |
Minimum to Earn Dividend:
$2,500 |
Dividend rate :
0.30% |
APY¹:
0.30% |
|
Account Type :
$15,000 – $24,999 |
Minimum Opening Balance :
$15,000 |
Minimum to Earn Dividend:
$15,000 |
Dividend rate :
0.35% |
APY¹:
0.35% |
|
Account Type :
$25,000 – $49,999 |
Minimum Opening Balance :
$15,000 |
Minimum to Earn Dividend:
$25,000 |
Dividend rate :
0.35% |
APY¹:
0.35% |
|
Account Type :
$50,000 – $99,999 |
Minimum Opening Balance :
$50,000 |
Minimum to Earn Dividend:
$50,000 |
Dividend rate :
0.45% |
APY¹:
0.45% |
|
Account Type :
$100,000+ |
Minimum Opening Balance :
$100,000 |
Minimum to Earn Dividend:
$100,000 |
Dividend rate :
0.50% |
APY¹:
0.50% |
Rates Effective as of: July 13, 2025
1 APY is Annual Percentage Yield. 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 rates
| Account Type | Minimum Opening Balance | Minimum to Earn Dividend | Rewards+ Dividend Rate | Rewards+ APY | Non-Rewards+ Dividend Rate | Non-Rewards+ APY1 |
|---|---|---|---|---|---|---|
|
Account Type:
$500 - $14,999 |
Minimum Opening Balance:
$15,000 |
Minimum to Earn Dividend
:
$500 |
Rewards+ Dividend Rate:
1.00% |
Rewards+ APY:
1.00% |
Non-Rewards+ Dividend Rate:
0.75% |
Non-Rewards+ APY1:
0.75% |
|
Account Type:
$15,000 - $49,999 |
Minimum Opening Balance:
$15,000 |
Minimum to Earn Dividend
:
$15,000 |
Rewards+ Dividend Rate:
1.24% |
Rewards+ APY:
1.25% |
Non-Rewards+ Dividend Rate:
1.00% |
Non-Rewards+ APY1:
1.00% |
|
Account Type:
$50,000 - $99,999 |
Minimum Opening Balance:
$50,000 |
Minimum to Earn Dividend
:
$50,000 |
Rewards+ Dividend Rate:
1.74% |
Rewards+ APY:
1.75% |
Non-Rewards+ Dividend Rate:
1.24% |
Non-Rewards+ APY1:
1.25% |
|
Account Type:
$100,000 - $149,999 |
Minimum Opening Balance:
$100,000 |
Minimum to Earn Dividend
:
$100,000 |
Rewards+ Dividend Rate:
3.20% |
Rewards+ APY:
3.25% |
Non-Rewards+ Dividend Rate:
2.47% |
Non-Rewards+ APY1:
2.50% |
|
Account Type:
$150,000-$249,999 |
Minimum Opening Balance:
$150,000 |
Minimum to Earn Dividend
:
$150,000 |
Rewards+ Dividend Rate:
3.45% |
Rewards+ APY:
3.50% |
Non-Rewards+ Dividend Rate:
2.72% |
Non-Rewards+ APY1:
2.75% |
|
Account Type:
$250,000-$499,999 |
Minimum Opening Balance:
$250,000 |
Minimum to Earn Dividend
:
$250,000 |
Rewards+ Dividend Rate:
3.93% |
Rewards+ APY:
4.00% |
Non-Rewards+ Dividend Rate:
2.96% |
Non-Rewards+ APY1:
3.00% |
|
Account Type:
$500,000+ |
Minimum Opening Balance:
$500,000 |
Minimum to Earn Dividend
:
$500,000 |
Rewards+ Dividend Rate:
4.22% |
Rewards+ APY:
4.30% |
Non-Rewards+ Dividend Rate:
3.20% |
Non-Rewards+ APY1:
3.25% |
Rates Effective as of: July 13, 2025
1. APY is Annual Percentage Yield. 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 **Members will automatically earn the Rewards+ dividends rate during the months they are active Rewards+ Loyalty Member.
IRA rates
| Term | Minimum opening balance | Minimum to earn dividend | Rewards+ Dividend Rate | Rewards+ APY | Non-Rewards+ Dividend rate | Non-Rewards+ APY1 |
|---|---|---|---|---|---|---|
|
Term:
12 month2 |
Minimum opening balance:
$25 |
Minimum to earn dividend:
$25 |
Rewards+ Dividend Rate:
3.93% |
Rewards+ APY:
4.00% |
Non-Rewards+ Dividend rate:
3.25% |
Non-Rewards+ APY1:
3.25% |
|
Term:
18 month |
Minimum opening balance:
$25 |
Minimum to earn dividend:
$25 |
Rewards+ Dividend Rate:
3.93% |
Rewards+ APY:
4.00% |
Non-Rewards+ Dividend rate:
3.25% |
Non-Rewards+ APY1:
3.25% |
|
Term:
24 month |
Minimum opening balance:
$25 |
Minimum to earn dividend:
$25 |
Rewards+ Dividend Rate:
3.93% |
Rewards+ APY:
4.00% |
Non-Rewards+ Dividend rate:
3.00% |
Non-Rewards+ APY1:
3.00% |
|
Term:
36 month |
Minimum opening balance:
$25 |
Minimum to earn dividend:
$25 |
Rewards+ Dividend Rate:
3.93% |
Rewards+ APY:
4.00% |
Non-Rewards+ Dividend rate:
3.00% |
Non-Rewards+ APY1:
3.00% |
|
Term:
48 month |
Minimum opening balance:
$25 |
Minimum to earn dividend:
$25 |
Rewards+ Dividend Rate:
3.93% |
Rewards+ APY:
4.00% |
Non-Rewards+ Dividend rate:
3.00% |
Non-Rewards+ APY1:
3.00% |
|
Term:
60 month |
Minimum opening balance:
$25 |
Minimum to earn dividend:
$25 |
Rewards+ Dividend Rate:
3.93% |
Rewards+ APY:
4.00% |
Non-Rewards+ Dividend rate:
3.00% |
Non-Rewards+ APY1:
3.00% |
Rates Effective as of: July 13, 2025
**Rewards+ certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Member. 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. 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. The rates and terms above are subject to change without notice.
Savings account rates
| Account type | Min opening balance | Min to earn dividend | Dividend rate | APY¹ |
|---|---|---|---|---|
|
Account type:
Regular Savings2 |
Min opening balance:
$10 |
Min to earn dividend :
$500 |
Dividend rate:
0.10% |
APY¹:
0.10% |
|
Account type:
Sub-Savings/IRA Savings 2,3 |
Min opening balance:
$5 |
Min to earn dividend :
$500 |
Dividend rate:
0.10% |
APY¹:
0.10% |
|
Account type:
Deferred Compensation 4 |
Min opening balance:
$10 |
Min to earn dividend :
$1 |
Dividend rate:
0.45% |
APY¹:
0.45% |
|
Account type:
Holiday Saver |
Min opening balance:
$10 |
Min to earn dividend :
$1 |
Dividend rate:
0.30% |
APY¹:
0.30% |
|
Account type:
Summer Saver |
Min opening balance:
$50 |
Min to earn dividend :
$1 |
Dividend rate:
0.30% |
APY¹:
0.30% |
Rates Effective as of: July 13, 2025
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. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.
Checking account rates
| Account Type | Minimum to earn dividend | Dividend rate | APY1 |
|---|---|---|---|
|
Account Type:
Rewards Checking |
Minimum to earn dividend:
$.01 |
Dividend rate:
0.10% |
APY1:
0.10% |
|
Account Type:
Classic Checking |
Minimum to earn dividend:
N/A |
Dividend rate:
N/A |
APY1:
N/A |
Rates Effective as of: July 13, 2025
1. 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. The rates and terms above are subject to change without notice.
Loan rates
Personal loan rates
Auto loan rates
| Loan | Term | Min APR | Max APR | Est. Payment Per $100 |
|---|---|---|---|---|
|
Loan:
New Auto (2024 – 2025) |
Term:
Up to 48 months |
Min APR:
4.50% |
Max APR:
13.25% |
Est. Payment Per $100:
$2.28 - $2.70 |
|
Loan:
New Auto (2024 – 2025) |
Term:
Up to 60 months |
Min APR:
4.50% |
Max APR:
13.50% |
Est. Payment Per $100:
$1.86 - $2.30 |
|
Loan:
New Auto (2024 – 2025) |
Term:
Up to 72 months |
Min APR:
4.50% |
Max APR:
13.50% |
Est. Payment Per $100:
$1.59 - $2.03 |
|
Loan:
New Auto (2024 – 2025) |
Term:
Up to 84 months |
Min APR:
5.00% |
Max APR:
11.00% |
Est. Payment Per $100:
$1.41 - $1.71 |
|
Loan:
Pre-owned Auto (2015 – 2024) |
Term:
Up to 48 months |
Min APR:
4.50% |
Max APR:
13.50% |
Est. Payment Per $100:
$2.28 - $2.71 |
|
Loan:
Pre-owned Auto (2015 – 2024) |
Term:
Up to 60 months |
Min APR:
4.75% |
Max APR:
13.75% |
Est. Payment Per $100:
$1.88 - $2.31 |
|
Loan:
Pre-owned Auto (2015 – 2024) |
Term:
Up to 72 months |
Min APR:
4.75% |
Max APR:
13.75% |
Est. Payment Per $100:
$1.60 - $2.05 |
|
Loan:
Pre-owned Auto (2015 – 2024) |
Term:
Up to 84 months |
Min APR:
5.25% |
Max APR:
11.25% |
Est. Payment Per $100:
$1.43 - $1.73 |
Rates Effective as of: July 13, 2025
1. The Annual Percentage Rate (APR) listed is our best “as low as” rate and includes a .50% discount for a direct payroll deposit of $750 monthly to a CU SoCal checking account and .25% discount for being a Rewards Plus Loyalty Member. Your rate may be higher depending on your credit history and relationship at CU SoCal. Vehicle models 2024 & 2025 with up to 10,000 miles will be considered new. Vehicle models 2015-2023 with up to 120,000 miles will be considered pre-owned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. Payment per $1,000 is based on 72-month term. Minimum payment on all vehicle loans is $100. Amount financed may not exceed 120% of retail Kelley Blue Book including tax, license, warranty, etc. With 90-day payment deferment, interest will continue to accrue as of funding date. Refinancing an existing CU SoCal, LA Financial, or Havasu Community Credit Union auto loan will be 1% higher.
RV/trailer loan rates
| Type | Term | Min APR | Max APR | Est. payment per $100 |
|---|---|---|---|---|
|
Type:
New (2024 – 2025) |
Term:
up to 84 months |
Min APR:
7.99% |
Max APR:
11.99% |
Est. payment per $100 :
$1.56 - $1.76 |
|
Type:
New (2024 – 2025) |
Term:
up to 180 months |
Min APR:
8.99% |
Max APR:
12.99% |
Est. payment per $100 :
$1.01- $1.26 |
|
Type:
Pre-owned (2015 – 2024) |
Term:
up to 84 months |
Min APR:
8.24% |
Max APR:
12.24% |
Est. payment per $100 :
$1.57 - $1.78 |
|
Type:
Pre-owned (2015 – 2024) |
Term:
up to 180 months |
Min APR:
9.24% |
Max APR:
13.24% |
Est. payment per $100 :
$1.03 - $1.28 |
Rates Effective as of: July 13, 2025
Financing available up to 90% 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. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The rates and terms above are subject to change without notice.
Motorcycle loan rates
| Type | Term | Min APR | Max APR | Est. payment per $100 |
|---|---|---|---|---|
|
Type:
New Motorcycle (2024 – 2025) |
Term:
Up to 84 months |
Min APR:
7.99% |
Max APR:
11.99% |
Est. payment per $100 :
$1.56 - $1.76 |
|
Type:
Pre-owned Motorcycle (2015 – 2024) |
Term:
Up to 84 months |
Min APR:
8.24% |
Max APR:
12.24% |
Est. payment per $100 :
$1.57- $1.78 |
Rates Effective as of: July 13, 2025
Financing available up to 90% 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. The rates and terms above are subject to change without notice.
Boat loan rates
| Type | Term | Min APR | Max APR | Est. payment per $100 |
|---|---|---|---|---|
|
Type:
New Boat (2024-2025) |
Term:
up to 84 months |
Min APR:
7.99% |
Max APR:
11.99% |
Est. payment per $100 :
$1.56 - $1.76 |
|
Type:
New Boat (2024-2025) |
Term:
up to 180 months |
Min APR:
8.99% |
Max APR:
12.99% |
Est. payment per $100 :
$1.01 - $1.26 |
|
Type:
Pre-owned (2015-2024) |
Term:
up to 84 months |
Min APR:
8.24% |
Max APR:
12.24% |
Est. payment per $100 :
$1.57 - $1.78 |
|
Type:
Pre-owned (2015-2024) |
Term:
up to 180 months |
Min APR:
9.24% |
Max APR:
13.24% |
Est. payment per $100 :
$1.03 - $1.28 |
Rates Effective as of: July 13, 2025
Financing available up to 90% 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. The above discounts are one time, and only apply at time of origination. The rates and terms above are subject to change without notice.
Personal watercraft loan rates
| Type | Term | Min APR | Max APR | Est. payment per $100 |
|---|---|---|---|---|
|
Type:
New Personal Watercraft (2024 – 2025) |
Term:
Up to 84 months |
Min APR:
7.99% |
Max APR:
11.99% |
Est. payment per $100 :
$1.56 - $1.76 |
Rates Effective as of: July 13, 2025
Financing available up to 90% 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. The rates and terms above are subject to change without notice.
Quad/side by side loan rates
| Type | Term | Min APR | Max APR | Est. payment per $100 |
|---|---|---|---|---|
|
Type:
New Quads/ Side by Side (2024-2025) |
Term:
Up to 84 months |
Min APR:
7.99% |
Max APR:
11.99% |
Est. payment per $100 :
$1.56 - $1.76 |
Rates Effective as of: July 13, 2025
Financing available up to 90% 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. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The rates and terms above are subject to change without notice.
Personal loan rates
| Program | Term | Min APR | Max APR | Maximum loan amount | Estimated Payment Per $100 |
|---|---|---|---|---|---|
|
Program:
Share secured3,4 |
Term:
Up to 120 months |
Min APR:
3.95% |
Max APR: |
Maximum loan amount:
95% of balance |
Estimated Payment Per $100:
$1.01 |
|
Program:
Signature loan 3,4 |
Term:
60 Months |
Min APR:
11.74% |
Max APR:
19.74% |
Maximum loan amount:
$30,000 |
Estimated Payment Per $100:
$2.21 – $2.63 |
|
Program:
Certificate secured 3,4 |
Term:
Maturity |
Min APR:
2.75% plus Certificate rate |
Max APR: |
Maximum loan amount:
Loan amounts up to 95% of the available certificate balance |
Estimated Payment Per $100:
Varies |
|
Program:
Line of credit 3,4Overdraft Protection |
Term:
Line of Credit |
Min APR:
11.74% |
Max APR:
19.74% |
Maximum loan amount:
$30,000 |
Estimated Payment Per $100:
3% of balance |
Rates Effective as of: July 13, 2025
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. The above discounts are one time, and only apply at time of origination. The rates and terms above are subject to change without notice.
Credit card rates
| Program | Min APR¹ | Max APR¹ | Maximum loan amount | Est. payment per $1002 |
|---|---|---|---|---|
|
Program :
CU SoCal Platinum Rewards Visa 3,4,5,6,7 |
Min APR¹
:
13.15% |
Max APR¹
:
19.90% |
Maximum loan amount
:
$50,000 |
Est. payment per $1002:
3% of balance |
|
Program :
Share Secured Visa Platinum Rewards 4, 5, 7 |
Min APR¹
:
19.15% |
Max APR¹ : |
Maximum loan amount
:
95% of balance |
Est. payment per $1002:
3% of balance |
|
Program :
CU SoCal Topaz Visa Credit Card 3, 4, 6, 7 |
Min APR¹
:
11.15% |
Max APR¹
:
18.15% |
Maximum loan amount
:
$50,000 |
Est. payment per $1002:
3% of balance |
Rates Effective as of: July 13, 2025
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. 2% 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. The rates and terms above are subject to change without notice.
Home equity line of credit rates
| Amount | Max CLTV 1 | Min APR 2 |
|---|---|---|
|
Amount :
Up to $250,000 |
Max CLTV 1 :
80% |
Min APR 2:
7.555% |
|
Amount :
Up to $500,000 |
Max CLTV 1 :
70% |
Min APR 2:
7.527% |
Rates Effective as of: July 13, 2025
1. 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. Appraisal fees are applicable for HELOCs above $250,000. HELOC is only available on owner-occupied CA and AZ 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. 2. APR=Annual Percentage Rate. Offer available only for new CU SoCal HELOCs or refinanced HELOC from outside lender. Fees may be required for a condominium certification, multi-unit property appraisal and changes to title holder and is subject to change without notice. NMLS#454788
Home equity loan rates
| Amount1 | Term | Max CLTV2 | Rate | Points | APR | EST. Payment per $1,000 |
|---|---|---|---|---|---|---|
|
Amount1
:
Up to $250,000 |
Term:
Up to 15 Years |
Max CLTV2:
80% |
Rate:
7.50% |
Points : 0 |
APR:
7.631% |
EST. Payment per $1,000:
$9.27 |
|
Amount1
:
Up to $250,000 |
Term:
Up to 20 Years |
Max CLTV2:
80% |
Rate:
7.75% |
Points : 0 |
APR:
7.857% |
EST. Payment per $1,000:
$8.21 |
|
Amount1
:
Up to $250,000 |
Term:
Up to 25 Years |
Max CLTV2:
80% |
Rate:
8.00% |
Points : 0 |
APR:
8.094% |
EST. Payment per $1,000:
$7.72 |
Rates Effective as of: July 13, 2025
1. Maximum loan amount subject to credit qualification and appraised property value. 2. Combined Loan-to-Value (CLTV). 3. Payment factor is based on a 15-year term, 20-year term, or 25-year term. The rates and prices quoted above are not guaranteed and are subject to change without notice. CU SoCal offers a variety of real estate loan programs. CU So Cal mortgages are available for CA and AZ properties only. For more information, please call a CUSoCal home loan specialist at 800.698.7196.
Adjustable-rate mortgage rates
| Product | Rate | Margin | Points | Caps | APR* | Est. payment per $1,000 |
|---|---|---|---|---|---|---|
|
Product:
5/1 ARM |
Rate:
5.875% |
Margin:
2.500% |
Points: 0 |
Caps:
2/2/6 |
APR* :
5.923% |
Est. payment per $1,000:
$5.92 |
|
Product:
7/1 ARM |
Rate:
6.375% |
Margin:
2.500% |
Points: 0 |
Caps:
2/2/6 |
APR* :
6.425% |
Est. payment per $1,000:
$6.24 |
|
Product:
5/5 ARM |
Rate:
6.000% |
Margin:
2.375% |
Points: 0 |
Caps:
2/2/5 |
APR* :
6.049% |
Est. payment per $1,000:
$6.00 |
Rates Effective as of: July 13, 2025
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. CU SoCal mortgages are available for CA and AZ properties only. The rates and terms above are subject to change without notice.
Fixed-rate conforming mortgage rates
| Product | Interest Rate | Points | APR* | Est. Payment per $1,000 |
|---|---|---|---|---|
|
Product:
10-Year Fixed |
Interest Rate:
6.000% |
Points: 0 |
APR*:
6.102% |
Est. Payment per $1,000:
$11.10 |
|
Product:
15-Year Fixed |
Interest Rate:
6.125% |
Points: 0 |
APR*:
6.198% |
Est. Payment per $1,000:
$8.51 |
|
Product:
20-Year Fixed |
Interest Rate:
6.625% |
Points: 0 |
APR*:
6.684% |
Est. Payment per $1,000:
$7.53 |
|
Product:
30-Year Fixed |
Interest Rate:
6.875% |
Points: 0 |
APR*:
6.921% |
Est. Payment per $1,000:
$6.57 |
Rates Effective as of: July 13, 2025
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 CA and AZ 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. For a personalized rate quote, please call our home loan specialists at 800.698.7196.
Interest only adjustable-rate mortgage (ARM) loan rates
| Product | Rate | Margin | Points | Caps | APR |
|---|---|---|---|---|---|
|
Product:
5yr / 1yr |
Rate:
6.375% |
Margin:
2.750% |
Points: 0 |
Caps:
2/2/5 |
APR:
6.425% |
|
Product:
7yr / 1yr |
Rate:
6.875% |
Margin:
2.750% |
Points: 0 |
Caps:
2/2/5 |
APR:
6.827% |
Rates Effective as of: July 13, 2025
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 CA and AZ 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.
Fixed-rate high balance mortgage rates
| Product | Rate | Points | APR | Est. Payment Per $1000 |
|---|---|---|---|---|
|
Product:
30-Year Fixed High Balance |
Rate:
7.000% |
Points: 0 |
APR:
7.030% |
Est. Payment Per $1000:
$6.65 |
|
Product:
15-Year Fixed High Balance |
Rate:
7.625% |
Points: 0 |
APR:
7.674% |
Est. Payment Per $1000:
$9.34 |
Rates Effective as of: July 13, 2025
High Balance Conforming loan amounts vary and depend on property location starting at $806,500 up to a maximum of $1,209,750 based on a 1-unit property. 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 CA and AZ 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.
Jumbo Fixed Rate
| Product | Rate | Points | APR | Est. Payment Per $1000 |
|---|---|---|---|---|
|
Product:
30-Year Fixed |
Rate:
7.000% |
Points: 0 |
APR:
7.030% |
Est. Payment Per $1000:
$6.65 |
|
Product:
15-Year Fixed |
Rate:
7.625% |
Points: 0 |
APR:
7.674% |
Est. Payment Per $1000:
$9.34 |
Rates Effective as of: July 13, 2025
Certain restrictions may apply. Maximum Loan Amount: Up to 80% combined loan to value, Jumbo Loans: Jumbo loans amounts vary and depend on property location. Rates shown above are based on the following scenario: single unit property, primary residence, non-manufactured, 60% CLTV, and 760+ credit. Rates can vary based on a loan scenario. CU SoCal mortgages are available for CA and AZ properties only. Payment examples provided do not include taxes or insurance, actual amounts may be greater.
Jumbo Adjustable Rate Mortgage (ARM) Rate
| Product | Rate | Margin | Points | Caps | APR | Est. payment per $1,000 |
|---|---|---|---|---|---|---|
|
Product:
5/1 ARM |
Rate:
5.875% |
Margin:
2.500% |
Points:
0 |
Caps:
2/2/6 |
APR:
5.911% |
Est. payment per $1,000:
$5.92 |
|
Product:
7/1 ARM |
Rate:
6.375% |
Margin:
2.500% |
Points:
0 |
Caps:
2/2/6 |
APR:
6.412% |
Est. payment per $1,000:
$6.24 |
|
Product:
5/5 ARM |
Rate:
6.000% |
Margin:
2.375% |
Points: 0 |
Caps:
2/2/5 |
APR:
6.037% |
Est. payment per $1,000:
$6.00 |
Rates Effective as of: July 13, 2025
Certain restrictions may apply. Maximum Loan Amount: Up to 80% combined loan to value, Jumbo Loans: Jumbo loans amounts vary and depend on property location. Rates shown above are based on the following scenario: single unit property, primary residence, non-manufactured, 60% CLTV, and 760+ credit. Rates can vary based on a loan scenario. CU So Cal mortgages are available for CA and AZ properties only. Payment examples provided do not include taxes or insurance, actual amounts may be greater. 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. The rates and terms above are subject to change without notice.
-
- APY=Annual Percentage Yield. The annual percentage yield assumes that dividends will remain on deposit until maturity. If you make a withdrawal from your account, your earnings will be reduced. Minimum deposit to open is $1,000. Must be a CU SoCal Member. All accounts will be verified by ChexSystems® and are subject to approval and Membership eligibility. New Member maximum online opening deposit is up to $7,000. Deposits cannot originate from a CU SoCal account. Deposits made to the promotional certificate through electronic transfers (ACH) originating from CU SoCal will not be available for withdrawal for 60 days from the date of deposit. We may impose a 60-day penalty if you withdraw the principal from your certificate account before the maturity date. The penalty imposed shall be based on the amount withdrawn. If the amount withdrawn reduces the principal balance below the stated minimum during the term, you will be assessed a penalty on the entire principal balance, and we will close the certificate account and transfer any remaining balance to your Regular Savings Account. Your certificate will automatically renew to a 6-month certificate term at maturity. The maturity date will be stated on the certificate or receipt provided to you at the time of opening your account. The renewal dividend rate and annual percentage (APY) will be determined based on the overall relationship you have with CU SoCal at the time of renewal. A “relationship” with CU SoCal includes maintaining qualifying accounts or balances unless you withdraw all the funds in your account at maturity or within a grace period of 7 days after maturity. Visit CUSoCal.org/Rates for more information. Promotional rate of 6.78% APR is effective May 1, 2025, and is subject to change without notice.
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