Earn 5.00% APY¹ on a 5-Month certificate!
Make your savings sizzle this summer with CU SoCal! For a limited time, earn 5.00% APY¹ on a 5-month Share Certificate with a $1,000 minimum in new funds. Open to new and existing Members. Enjoy high returns and peace of mind.
New Members
Join CU SoCal today – applying is easy! You can open an account online, visit a CU SoCal branch, or schedule an appointment to meet with a team member.
To qualify for Membership, you must meet one of the following:
- Live, work, attend school, or worship in Los Angeles, Orange, Riverside, San Bernardino Counties and Lake Havasu City.
- Have a family member who is a current CU SoCal Member.
- Work for a partnering business.
Existing Members
Use Quick Apply in Online and Mobile Banking, visit any CU SoCal branch, schedule an appointment to meet with a team member, or call 866.287.6225 Monday-Friday: 9 a.m.-6 p.m. and Saturday: 9 a.m.-1 p.m.
Why Choose a CU SoCal Share Certificate?
High-yield, fixed rate for guaranteed growth
Take advantage of our limited-time 5.00% APY¹ on a 5-month Share Certificate. Your rate is locked in from day one—no market risk, just reliable, short-term returns.
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 Share 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+
Having a $25,000 average daily balance brings you one step closer to qualifying for Rewards+, our Member loyalty program.
Learn MoreSoak up 5.00% APY1 this summer
Ready to make your savings sizzle? This 5-month share certificate is only available until August 16. Open your certificate today to lock in at 5.00% APY before it's gone.1
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Certificates are often referred to as CDs, non-liquid accounts, or time deposits. A CU SoCal Certificate gives you an even better interest rate on your money than you would get in a savings account because we know that the money won’t be withdrawn for an extended period. If you have an extra $1,000 or more that you won’t need to use soon, a certificate may offer you greater savings returns.
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When you open your CU SoCal certificate, you’ll choose a maturity date between 1-60 months. If you need to withdraw funds before the maturity date, you may incur an early withdrawal penalty, but you will never lose principal on your initial deposit.
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A certificate is a very safe investment. Even if you need to withdraw the money before you expect, you won’t lose the principal that you invested.
Check out our other summer offers
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- Offers valid June 16-August 16, 2025, and are available to new and existing Members. All accounts will be verified by ChexSystems® and are subject to approval and Membership eligibility. Offers and rates are subject to change without notice. The Annual Percentage Yield (APY) 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. Promotional rate is 4.89% APR. New Member maximum online opening deposit is up to $100,000. New funds only, 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 five (5) month term will automatically renew at maturity to a six (6) month term at the prevailing rate unless you withdraw all the funds in your account at maturity or within a grace period of 7 days after maturity. Your account will mature as reflected on the Rate Schedule. The maturity date will be stated on the certificate or receipt provided to you at the time of opening your account.
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