Membership Benefits

CU SoCal Membership Has BIG Benefits.

From everyday banking services like checking and savings accounts to home and auto loans, credit cards, investments, financial planning, and insurance, CU SoCal is committed to exceed your expectations with World-Class Service and Convenience.

For people. Not profit.

Because we’re a cooperative, our focus is on people, not profit. That means that when you bank with us, you become a Member and an owner with a voice in what we do and how we do it. Profits are returned to you in the form of free or low-fee services, competitive loan rates, and savings yields. In fact, according to the Credit Union National Association (CUNA), turning to CU SoCal as your trusted source for reliable financial services has big monetary rewards.

Financial benefits underscore Membership value.

According to the Credit Union National Association’s (CUNA) Member Benefits Report, CU SoCal Members received $5,821,617 in direct financial benefits from March 2014-March 2015 as compared to using California banks. CUNA estimates that CU SoCal provided loyal, high-use Member households $1,154 in direct financial benefits during the twelve month period.

Enjoy the benefits of CU SoCal. Open your account today! Simply call one of our friendly representatives at 866.287.6225.

Your CU SoCal Relationship Has Rewards.

We value the trust and relationship we have with our Members. That’s why we offer a relationship rewards program called Value+. The Value+ Program rewards you for maintaining a combined loan, savings, and checking account balance of $15,000 or more with CU SoCal.

1. All new accounts will be verified through ChexSystems® and are subject to approval.
2. Value+ Checking is only available to Value+ Members.
3. Surcharge may be imposed at foreign ATMs and are in addition to CU SoCal ATM fees. Surcharges will be disclosed at the ATM.
4. Consumer loans do not include HELOCs, personal lines of credit, Visa® Credit Cards, or mortgage loans.
Please refer to your Loan Disclosure/Agreement and Schedule of Fees for all applicable fees and charges.

Please note: The certificate bonus rate will change from .25% to .10% effective June 1, 2013, for new Value+ Certificates and at renewal for existing Value+ Certificates.

Let us show you how easy it is to switch your accounts at other institutions to CU SoCal.

Financial Benefits For Our School Community.

Founded in 1954 as Whittier Area Schools Federal Credit Union, CU SoCal remains dedicated to serving the unique needs of school employees. We’re proud to offer school employees exclusive benefits.

Be a CU SoCal Representative at your school!

Become a CU SoCal School Representative and promote CU SoCal Membership as an employee benefit to new and existing employees in your school. As a thank you, you’ll automatically receive Value+ Package benefits.

School Representative responsibilities include:
  • Provide Membership applications
  • Provide promotional information
  • Assist CU SoCal in coordinating on site presentations and visits

If you are interested in becoming a CU SoCal School Representative, please contact our Community Education department at 562.698.8326.


Switch To A Low Rate!
There’s no fee to switch your loan and credit card balances to a low 1.99% APR for 12 months. Learn more.

Lower Your Monthly Home Payments—Rates as Low as 2.5%
Switch your loan to a lower rate and lower your monthly payments and pay off your loan sooner! Learn more.

Lower Your Auto Rate!
Bring your auto loan to CU SoCal and we’ll lower your current rate by 2% APR—OR MORE!. Learn more.

1.99% HELOC Special—Use Your Equity to Fund Your Dreams
Enjoy 1.99% intro APR for 12 months. There’s no points, no fees, no up-front costs, no appraisal fee ($400 savings) and a generous limit up to $250,000. Learn more.

Get 2 Free Movie Tickets
As a thank you for each new CU SoCal Member you refer, you’ll get two movie tickets! Go ahead—spread the word! Invite a friend. 1

Free Checking with eStatements
CU SoCal’s Checking Accounts are still FREE with eStatements. There is no minimum balance requirement or monthly service fees. Plus, CU SoCal’s Checking Accounts offer nearly 30,000 Free ATMs nationwide. That’s 10,000 more FREE ATMs than the largest bank! Learn more.

Get $100 When You Switch To Sprint
As a CU SoCal Member, you will receive $100 when you switch to Sprint. You’ll also receive $50 for each additional line you bring, and $50 annually when your account remains active and in good standing. 2
Learn more.

1 Membership is open to those who live, work, worship, or attend school in Los Angeles, Orange, and San Bernardino counties. Membership is subject to eligibility. Referrer must be a CU SoCal Member. Referring Member will receive two Regal movie tickets for each referred new CU SoCal Member who opens a CU SoCal Account. All new accounts will be verified by ChexSystems® and are subject to approval. Offer expires 12/31/17 and is subject to change without notice.

2 Activ. Fee: Up to $30/line. Credit approval req. Sprint Cash Reward Program Offer: Offer Ends 12/31/2017. Avail. for eligible credit union members & member employees (ongoing verification). Tax ID req. to establish business acct. Switch to Sprint & receive a $100 cash reward for each new smartphone line activ. Reqs. port-in from an active number (wireless or landline). Existing customers receive a $100 cash reward for new smartphone line active. &/or a $50 cash reward for each smartphone line transferred to program. New lines req. activ. at point of sale. Max. 15 lines. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrs., replacements & ports made between Sprint entities or providers associated with Sprint (i.e. Virgin Mobile USA, Boost Mobile, Common Cents Mobile & Assurance.) May not be combinable with other offers. $50 Loyalty Cash Reward: Members can earn one $50 cash reward annually when Sprint acct. remains active and in good standing for 1 yr. Max. 15 lines. Cash Reward: Cash Reward issued by Credit Union. Allow 6-8 wks. for Cash Reward to be deposited to your Credit Union acct, under the credit union and account number provided by you on the following page. If the Cash Reward does not appear after 8 wks., visit & click on “Where’s My Cash Reward”. Other Terms: Offers/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2016 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners. New accounts must register at within 30 days of new line activation(s) to receive $100 cash reward per new line(s).

Bank With Us! Opening Your Account Is Easy.

STEP 1: Verify Your Eligibility

Membership is open to those who live, work, worship, or attend school in Orange County, Los Angeles County, or San Bernardino County. You are also eligible if you have a CU SoCal Member in your immediate family!

Don’t qualify for a Credit Union of Southern California (CU SoCal) Membership? Find a credit union.

*Immediate family members are defined as spouse, parents, children, siblings, grandparents, grandchildren, stepparents, stepchildren, and stepsiblings.

STEP 2: Complete our Membership Application

You can fill out the Membership application online, call one of our friendly representatives at 866.287.6225 Monday-Friday 9 a.m.-6 p.m. and Saturday 9 a.m.-1 p.m, or fill out our printable Membership Application. Send us the completed form and a copy of your drivers license either by fax to 714.990.5492, or by mail to:

CU SoCal
Attn: Telephone Center
P.O. Box 200
Whittier, CA 90608

STEP 3: We’ll Contact You!

Once we have received your information, we’ll reach out to you as soon as we can with important information about your account.

Got a question?

We’re here to help. Simply call us at 866.287.6225 and our friendly representatives will be happy to assist you Monday-Friday 9 a.m.-6 p.m. and Saturday 9 a.m.-1 p.m.

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