Auto Loans as Low As 3.99% APR

Offers valid May 5-July 31, 2026, 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.

1. Cash bonus is not available to Members who currently have a CU SoCal Rewards Checking Account or who have closed a Rewards Checking Account within the last 365 days. Account must be open and in good standing at the time bonus is paid. Must be 18 years or older. Offer requires opening or upgrading to a Rewards Checking Account. See Rewards Checking account terms and requirements at: CUSoCal.org/RewardsChecking. A minimum $25 deposit is required to open. No deposit required when upgrading your current checking account to Rewards Checking. To qualify for the total $200 bonus, which is earned in increments of $50 for each requirement completed within 90 days of account opening, Member must: (1) open or upgrade to a Rewards Checking Account, (2) complete at least 12 qualifying POS and/or PIN based debit card transactions (excluding ATM withdrawals, returns, or adjustments) per month, for two consecutive months, (3) receive at least $750 in qualifying direct deposits (payroll, pension, government benefits, etc.) per month, for two consecutive months, and (4) open and fund an auto or personal loan. All requirements must be met to receive the full $200; partial bonuses will be paid for each individual requirement satisfied. Bonuses will be deposited into the Member’s account within 60 days after verification that each qualifying requirement is met. Bonus is subject to 1099-INT tax reporting. One Rewards Checking Account per Member. Maximum bonus from promotional offer is $200 and cannot be combined with other offers.
2. APR – The Annual Percentage Rate of 3.99% is our best rate for up to 36 months and includes a .50% discount for a direct payroll deposit of $750 monthly to your CU SoCal checking account and 0.25% discount for being a Rewards+ Loyalty Member. The discounts are one-time and may be applied at time of origination or within 90 days of origination based on qualification. Rate may adjust if you discontinue direct deposit/payroll. Your rate may be higher depending on credit history and underwriting criteria. Financing available up to 120% of retail vehicle value including tax and license plus optional CU SoCal GAP and Mechanical Repair Coverage. Ask a CU SoCal representative for details. Vehicle models less than 2-years with up to 10,000 miles will be considered new. Vehicle models less than 10-years with up to 120,000 miles will be considered pre-owned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Amount financed may not exceed 120% retail Kelley Blue Book® including tax, license, warranty, etc. With 90-day payment deferment, interest will continue to accrue as of funding date. Offer cannot be used for internal refinances.
3. 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 initial deposit to open is $500. Promotional rate is 3.50% APY with dividend rate of 3.45%. Dividends compounded daily and credited monthly. New funds only—deposits cannot originate from a CU SoCal account. This promotional “flex” certificate allows Member to make an additional, one-time, new funds deposit up to 50% of the opening deposit amount, and one-time withdrawal up to 50% of the opening deposit amount. We may impose a 60-day dividends penalty if you make additional withdrawals from the principal of your certificate account before the maturity date. The penalty imposed shall be based on the amount withdrawn and may reduce your principal balance. 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. Deposits made to the promotional certificate through electronic transfers (ACH) originating from outside of CU SoCal will not be available for withdrawal for 60 days from the date of deposit. Your 10-month term will automatically renew at maturity to a 12-month term at the prevailing rate (please refer to the Rate Schedule) unless you withdraw all the funds in your account at maturity or within a grace period of 7 days after maturity. The maturity date will be stated on the certificate or receipt provided to you at the time of opening your account.