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.
Deferred Compensation Plan (DCP) 457(b).
Deferred Compensation is a non-qualified retirement plan offered to school employees. Identified by the Internal Revenue Service, Section 457 of the Internal Revenue Code, the plan allows you to deposit a part of your salary into a tax-sheltered Deferred Compensation account each pay period through a payroll deduction. You don’t pay income tax on the amount you contribute, or on any subsequent dividends earned, until the funds are distributed to you.
- Federally-insured fixed rate certificates based on rate schedule
- Deposits must be made through ACH deposit
- $10 minimum deposit (made through electronic direct deposit/payroll deduction)
- No withdrawals allowed
The DCP program is limited to employees in the following participating school districts:
- East Whittier City School District
- El Rancho Unified School District
- Lowell Joint School District
- Little Lake School District
- Los Nietos School District
- Rio Hondo College
- Whittier City Schools District
- Whittier Union High School District
If you’d like to learn more about how your school district can participate in CU SoCal’s DCP program, contact our us at 562.698.8326, or via email.
Save For The Summer Months.
The Summer Saver Account is designed for school employees who are paid on a 10-month schedule or any Member wishing to save for the summer months.
- No monthly fee
- Higher dividends than regular savings based on rate schedule
- Penalty-free withdrawals from June through September
- $50 minimum opening deposit
- $50 minimum electronic monthly deposit
- Account can be opened any time throughout the year
- Six withdrawals or transfers per month are allowed (per Regulation D)
Enjoy $1,500 to use any way you choose!1 As a school employee, you are pre-approved for CU SoCal’s “More Than A Grand In Your Hand” Loan. You don’t need to apply. We don’t need to run your credit. Simply let us know that you would like to take advantage of this great service available to you and we’ll deposit the funds into your account. It’s that easy!
1 The $1,500 “More Grand in Your Hand” Signature Loan with a rate of 9.99% APR for a 24-month term. Qualified Members must have a CU SoCal Checking Account with a minimum monthly direct deposit of $250. Loan payments must be made by automatic transfer from CU SoCal Checking Account. Proof of income/ability to repay loan is required. Account(s) and loan(s) must be in good standing. If you’ve had any CU SoCal loan delinquencies, you may not qualify. Offer is subject to change.
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 2.375%
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.
|| 2.95% HELOC Special—Use Your Equity to Fund Your Dreams
Enjoy 2.95% 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! 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.
|| Save 10% With Sprint
CU SoCal Members receive a 10% discount on their monthly bill.
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 12/31/16 and is subject to change without notice.
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:
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.