Thrive with CU SoCal
Low-cost credit
Smart Solutions to Reduce Costs and Save Cash
The financial solutions below from Credit Union of Southern California (CU SoCal) can help you reduce costs and save cash to protect your family’s financial wellness during these challenging times.
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- Credit limits up to $50,0001
- No annual fee2
- Low cash-advance fee of 2%
1. Aggregate maximum unsecured loan limits (credit card and personal loans, not to exceed $50,000.)
2. 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). -
- Lower your current rate by at least 2% APR—rates as low as 4.04% APR
- No application or funding fee
- Quick approval & funding
- Extended terms up to 84 months
- Save hundreds per year and thousands over life of loan
1. CU SoCal loans are ineligible. $5,000 minimum amount financed. Member must credit qualify and have a credit score of greater than or equal to 630, as reported to CU SoCal. Not all Members will qualify. APR=Annual Percentage Rate. APR, financing terms, and/or loan to value of vehicle will vary based on model and/or applicant’s credit worthiness. Vehicle model year must be 10 years old or newer. All loans and vehicles are subject to approval. Requested loan amount cannot exceed the present value of the vehicle as determined by Kelly Blue Book. Promotion and rate are subject to change without notice. Please ask a CU SoCal loan specialist for our current floor rate which corresponds to our lowest promotion rate.
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- Convenient access through checks and online transfers
- Fast approval, even with less than perfect credit
- No appraisal fee, annual fee, or closing costs
- Credit limit up to $250,0001
- Interest-only payment option to keep monthly payments low
APRs listed reflect our best rates and may be higher depending on individual credit rating and account history.
1. Maximum loan amount subject to credit qualification, appraised property value and Combined Loan-to-Value (CLTV).The rates and prices quoted above are effective as of 1/1/2023, are not guaranteed and are subject to change without notice. CU SoCal offers a variety of real estate loan programs. For more information, please call a CU SoCal home loan specialist at 800.698.7196.
Competitive Purchase Home Loans
If you’re looking to buy a home, turn to CU SoCal for your purchase loan. We also offer an exclusive free property search service called Home Rewards. Search properties online and receive alerts when new listings that meet your criteria appear on the market. Our Members highly rate all aspects of Home Rewards, especially the experienced real estate agents who are available through the service. In using a Home Rewards real estate agent, you’re eligible for a rebate on the agent’s commission up to 25%. CU SoCal Members have collectively received $126,000 in Home Rewards rebates!
You Don’t Need to be a Credit Union Member to Apply For a Loan!
You can apply for any financial product listed below even if you are not currently a Member of CU SoCal. We’ll open a Membership as part of your loan or credit card application. Membership in CU SoCal) is open to anyone who lives, works, attends religious services or school in Los Angeles, Orange, Riverside, or San Bernardino County.
Questions? Call us toll-free at 866.287.6225 to speak to a live representative, Monday through Friday: 9 a.m.-6 p.m. or Saturday: 9 a.m.-1 p.m.
Three Key Financial Moves to Make Right Now
Preserve cash and liquidity
Why? You need cash to pay your monthly fixed expenses, avoid additional debt, and to create an emergency fund should your financial situation worsen.
Get new credit at best possible rate
Why? If you need new credit to meet your obligations, find a resource that has fast approval, flexible access, and lowest possible rate.
Transfer high-interest debt to lower rate
Why? A lower interest rate on existing debt will lower your monthly payment, helping you to preserve cash.
We want to help you preserve cash and liquidity by lowering your cost of existing debt to reduce monthly payments. If you need a new source of affordable credit, we have that, too. The CU SoCal financial products below are smart solutions that will help your family defend and improve its finances during the COVID-19 crisis—and for the future!
How Refinancing Your Car Loan Can Save You Money
Compare the difference on $30,000 auto loan for 72 months
With a 7.25% APR loan, monthly payment is $515
With a 3.10% APR loan from CU SoCal, monthly payment is $457
Annual savings: $680
Savings over life of loan: $4,171
How are we different?
- Last year our Members saved more than $10 million in loans compared to California bank averages.
- Our Members earned nearly $1 million more on savings compared to California bank averages.
- Overall, we delivered $15.2 million to Members in direct financial benefits.
- We also presented 94 free personal financial management workshops for our Members, and donated $477,000 to local charities, foundations and families in need.
- We have a five-star rating from BauerFinancial.
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© 2022 Credit Union of Southern California
Rewards Checking:
1. All new accounts will be verified through ChexSystems® and are subject to approval. Member must be 18 years and older and accounts with CU SoCal must be in good standing. Account must use a SSN or ITIN, not an EIN. A $2 monthly paper statement fee will be applied to the primary savings account for Members ages 18-63 who are not enrolled in eDocuments. If funds are unavailable in the primary savings account, the fee will be transferred to that account from the secondary savings, checking, or money market account. For Members without a primary savings account, the fee will be applied to the checking account or money market account.
2. Qualified purchases are all CU SoCal Debit and Credit Card purchases except: cash advances; balance transfers; convenience checks; quasi-cash (purchases that are directly convertible to cash such as casino gaming chips, money orders, wire transfers, travelers checks); finance charges, fees, and credit insurance, purchases made by or for a business, unauthorized/fraudulent transactions, debit card purchases for less than $1.50. Qualified debit purchases will result in one (1) point for every three dollars ($3) spent, rounded at each increment of $1.50. Bonus points are occasionally awarded for merchant specific and CU SoCal special promotions. All transactions and points are subject to verification. The point balance is the total of points awarded, less points that are deducted for returns and adjustments. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point balance during the dispute period. If the transaction is reinstated, the points will be reinstated.
3. Available to all named account holders, and extends to three generations of your family. Family members include the primary account holder, primary account holder’s spouse or domestic partner, primary account holder’s dependents under the age of 25 with the same permanent address, any IRS-qualified dependents of the primary account holder, and primary account holder’s parents (mother or father) with the same permanent address, or who are registered in a senior assisted living facility, nursing home, or hospice. Services continue up to 12 months after death for all family members.
Home Loans:
1. Maximum combined Loan-to-Value up to 97%.
2. Proper submission of your income and asset documentation is needed for pre-approval. Offers shown are subject to change anytime without notice and are not intended to be inclusive or a commitment to the pricing for which you may qualify. Actual pricing will be based on credit history, loan to value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations.
3. Member must credit qualify.
4. Rebate payment is made by HomeSmart Evergreen Realty and is credited to your benefit at the close of transaction. Purchase price must be greater than $150,000. Rebate for home purchase only is 20%. Rebate for home sale and purchase is 25% for each transaction. In order to receive the 25% rebates, the home sale and purchase transactions must take place within six months of each other. HomeSmart Evergreen Realty is not affiliated with CU SoCal.
Credit Union of Southern California NMLS #454788
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda).
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