Competitive Rates. Flexible Terms.

At Credit Union of Southern California (CU SoCal), our Members mean everything to us.  For over 60 years, we have empowered those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to achieve their financial goals and build better lives.

We offer some of the most competitive credit union loan interest rates in California on both loans and deposits, all with flexible terms suited to meet your financial situation and needs.

Apply online for an account today and find out why CU SoCal is the fastest-growing credit union in Southern California!
 

Deposit Rates

At CU SoCal, we put people before profits, which is why we offer some of the most competitive credit union deposit rates on a variety of accounts.
 
Our high-interest yields and sizable dividends help you maximize your money. Compare our rates to competitors and see why banking with CU SoCal is the sensible solution for supersizing your savings.
 
Account Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
Regular Savings2 $10 $500 0.10% 0.10%
Sub-Savings/IRA Savings2, 3 $5 $500 0.10% 0.10%
Deferred Compensation4 $10 $1.00 0.45% 0.45%
Holiday Saver $10 $1 0.30% 0.30%
Summer Saver $50 $1 0.30% 0.30%

Open Account

1 APY is Annual Percentage Yield.
2 For minors, the minimum to earn dividends is $1.00.
3 IRA savings include Traditional, Roth, & Coverdell Education IRA
4 Restricted by law to school district employees.
Rates are accurate as of December 1, 2024 and are subject to change. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.

Classic Checking Account

Range Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
$0.00 and up N/A N/A N/A N/A

Open Account

1 APY is Annual Percentage Yield
Rates are accurate as of December 1, 2024 and are subject to change.

 

Rewards Checking Account Rates

Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY5
$0 $.01 0.10% 0.10%
5 APY is Annual Percentage Yield.
To earn the Rewards Checking dividend rate you must have twelve (12) signature-based and/or PIN based debit card purchases each monthly statement cycle. If the requirement is not met, you will earn .05% APY on your checking account balance.
The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.
Rates are accurate as of December 1, 2024 and are subject to change.
Account Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
Money Market, $2,500 – $14,999 $2,500 $2,500 0.30% 0.30%
Money Market, $15,000 – $24,999 $15,000 $15,000 0.35% 0.35%
Money Market, $25,000 – $49,999 $25,000 $25,000 0.35% 0.35%
Money Market, $50,000 – $99,999 $50,000 $50,000 0.45% 0.45%
Money Market, $100,000 and up $100,000 $100,000 0.50% 0.50%

Open Account

1 APY is Annual Percentage Yield.
Rates are accurate as of December 1, 2024 and are subject to change. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.

 

Soar Money Market*

Account Type Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
$500-$14,999 $15,000 $500 0.90% 0.90%
$15,000-$49,999 $15,000 $500 1.24% 1.25%
$50,000-$99,999 $15,000 $500 1.69% 1.70%
$100,000-$149,999 $15,000 $500 3.20% 3.25%
$150,000+ $15,000 $500 3.45% 3.50%
1 APY is Annual Percentage Yield.
Rates are accurate as of December 1, 2024 and are subject to change. The above rates are variable, subject to change without notice, and are all anticipated rates and annual percentage yields for the current dividend period.
*New Funds (not currently on deposit at CU SoCal)- $15,000 Minimum opening deposit

Regular and Minor Certificates

Length of Certificate Minimum Opening Balance Minimum to Earn Dividend Dividend Rate2 APY1
1 month $7,500 $7,500 0.10% 0.10%
3 month $1,000 $1,000 2.72% 2.75%
6 month $1,000 $1,000 3.20% 3.25%
12 month2 $1,0002 $1,000 3.20% 3.25%
18 month $1,000 $1,000 3.20% 3.25%
24 month $1,000 $1,000 2.96% 3.00%
36 month $1,000 $1,000 2.96% 3.00%
48 month $1,000 $1,000 2.96% 3.00%
60 month $1,000 $1,000 2.96% 3.00%
Rates are accurate as of December 1, 2024 and are subject to change. Certificates are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals..
1 APY is Annual Percentage Yield.
2 For Minor Certificates, the minimum term is 12 months; the minimum opening balance and minimum to earn dividends is $250.
 

Traditional IRAs, Roth IRAs, and Coverdell Education IRAs

Term Minimum Opening Balance Minimum to Earn Dividend Dividend Rate APY1
12 month2 $25 $25 3.20% 3.25%
18 month $25 $25 3.20% 3.25%
24 month $25 $25 2.96% 3.00%
36 month $25 $25 2.96% 3.00%
48 month $25 $25 2.96% 3.00%
60 month $25 $25 2.96% 3.00%
1. APY is Annual Percentage Yield.
2. For Traditional and Roth IRAs, the minimum term is 12 months. Coverdell Education IRAs are only available in 12-month terms.
Rates are accurate as of December 1, 2024 and are subject to change. IRAs are fixed accounts that will earn the stated dividend rate for the duration of the account term. A penalty may be imposed for early withdrawals.
3. For Traditional, Roth and Coverdell Education IRAs, the minimum opening balance and minimum to earn dividends is $25.

Loan Rates

No matter what you’re looking to finance, we’re here to help your dreams become a reality. We offer some of the most competitive California credit union rates in the industry for a variety of loans, including auto loans, personal loans, mortgages, credit cards and much more!
 

Auto Loans

No matter what you’re looking to finance, we’re here to help your dreams become a reality. We offer some of the most competitive California credit union rates in the industry for a variety of loans, including auto loans, personal loans, mortgages, credit cards and much more!

No Payments for 90 days1

Loan Term APR Est. Payment Per $100
New Auto (2023 – 2024) Up to 48 months 5.74% - 14.74% $2.34 - $2.77
New Auto (2023 – 2024) Up to 60 - 72 months 5.99% - 14.99% $1.66 - $2.11
New Auto (2023 – 2024) Up to 84 months 6.49% - 12.49% $1.48 - $1.79
Pre-owned Auto (2014 – 2023) Up to 48 months 5.99% -14.99% $2.35 - $2.78
Pre-owned Auto (2014 – 2023) Up to 60 - 72 months 6.24% – 15.24% $1.67 - $2.13
Pre-owned Auto (2014 – 2023) Up to 84 months 6.74% - 12.74% $1.50 - $1.81

Apply Now

1. With 90-day payment deferment, interest will continue to accrue as of funding date.

APR- The annual percentage rates listed are our best rates. 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 2023 to 2024 with up to *10,000 miles will be considered new. Vehicle models 2014 to 2023 with up to 120,000 miles will be considered Pre-owned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an Automatic Loan Payment set up from a CU SoCal share account. Member’s may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice. 

Credit Cards

With our dynamic credit card options, you can control how you spend while being rewarded at the same time.

CU SoCal Credit Cards offer some of the most competitive credit union interest rates in the industry, with amazing deals such as low 2% balance transfer fee, no annual fees, and much more.

Our credit cards are full integrated with our Online and Mobile Banking, allowing Members to have maximum control for greater convenience.
 
Program APR1 as low as Maximum Credit Limit Estimated Payment Per $1002
CU SoCal Topaz Visa Credit Card3, 4, 5, 6, 7
 11.65% - 18.65% $50,000 3% of balance
CU SoCal Platinum Rewards Visa3, 4, 5, 6, 7
 13.65%- 19.90% $50,000 3% of balance
Share Secured Visa Platinum Rewards4, 5, 7
 19.65% 95% of balance 3% of balance

Apply Now

1 APR is Annual Percentage Rate
2 Payment factor based on maximum term.
3 Aggregate maximum unsecured loan limits (credit card and personal loans, not to exceed $50,000.)
4 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).
5. 2% balance transfer fee
6. APR is based on your creditworthiness at the time You establish your account. This APR will vary with the market based on the Prime Rate.
7. This APR will vary with the market based on the Prime Rate.

Share/Certificate Secured Personal Loan

Whether you’re trying to make a key purchase or simply building your credit, let us help you achieve your financial goals with a personal loan from CU SoCal. Our credit union personal loan rates are some of the most competitive on the market, and what’s more, we’ve also eliminated application and funding fees!
Program Term APR1 Maximum Loan Amount Estimated Payment Per $1002
Share Secured3,4 Up to 120 months 3.95% 95% of balance $1.01
Certificate Secured3,4 Maturity 2.50% + Share Certificate Rate 95% of balance Varies
Credit Builder Maturity 5.00% + Current 12 Month Share Certificate Rate $1,000.00 $8.57

Unsecured Personal Loan

Program Term APR1 Maximum Loan Amount Estimated Payment Per $1002
Line of Credit (LOC)3, 4 Overdraft Protection Line of Credit 11.49% - 19.49% $30,000 3% of balance
Signature Loan3, 4 60 months 11.49% - 19.49% $30,000 $2.20 - $2.62

Apply Now

1 APR is Annual Percentage Rate
2 Payment factor based on maximum term.
3 Aggregate maximum unsecured loan limits (credit card and personal loans, not to exceed $50,000.)
4 Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an automatic payment to your loan. Member’s may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination.
5. The rates and terms above are effective as of 7/11/2024 and are subject to change without notice. 

Fixed-Rate Conforming Mortgage

Just like there’s no place like home, there’s no place like CU SoCal for the best rates on home loans. Alongside rapid pre-approval, we also offer low down-payments, a flat lender fee, as well as some of the most competitive mortgage rates available.

See all home listings in your search areas at CUSoCalHomeRewards.com, our free online home shopping platform.

For a personalized rate quote, please call our home loan specialists at 800.698.7196. The rates and terms below are effective as of 12/17/2024.

Product Interest Rate Points APR* Est. Payment Per $1,000
10-Year Fixed 6.375% 0 6.478% $11.29
15-Year Fixed 6.500% 0 6.573% $8.71
20-Year Fixed 6.625% 0 6.684% $7.53
30-Year Fixed 7.000% 0 7.46% $6.65

Apply Now

The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a no-cashout refinance. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history and underwriting criteria. The rates and terms above are subject to change without notice.

Adjustable-Rate Mortgage

The rates and terms below are effective as of 12/16/2024-12/23/2024.
Product Rate Margin Points Caps APR* Est. Payment Per $1,000
5/1 ARM 6.000% 2.500% 0 2/2/6 6.049% $6.00
7/1 ARM 6.375% 2.500% 0 2/2/6 6.425% $6.24
5/5 ARM 6.125% 2.375% 0 2/2/5 6.174% $6.08

Apply Now

The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a no-cashout refinance.. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history, underwriting criteria, and loan amount. The rates and terms above are subject to change without notice. The index for 5/1 ARM and 7/1 ARM loans is One-Year CMT. The index for 5/5 ARM loans is Five-Year CMT.

Fixed-Rate High Balance Mortgage

The rates and terms below are effective as of 12/17/2024.
Product Rate Points APR* Est. Payment Per $1,000
30-Year Fixed High Balance 7.625% 0 7.656% $7.08
15-Year Fixed High Balance 7.625% 0 7.674% $9.34

Apply Now

High Balance Conforming loan amounts vary and depend on property location starting at $766,551 up to a maximum of $1,149,825.
The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a no-cashout refinance. The rate-lock period is 45 days and the assumed credit score is 720. Your costs may be higher depending on credit history and underwriting criteria. The rates and terms above are subject to change without notice.

Interest Only Adjustable Rate Mortgage (ARM) Loan

The rates and terms below are effective as of 12/17/2024.
PRODUCT RATE MARGIN POINTS CAPS APR*
5yr / 1yr 6.500% 2.500% 0 2/2/5 6.550%
7yr / 1yr 6.875% 2.500% 0 2/2/5 6.927%

Apply Now

The rates, fees, and APRs listed are our best rates. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in California with a LTV below 60% or for a rate/term refinance. The rate-lock period is 45 days and the assumed credit score is 740. Your costs may be higher depending on credit history, underwriting criteria, and loan amount. The rates and terms above are subject to change without notice. The index for 5/1 ARM and 7/1 ARM loans is One-Year CMT.

Home Equity Line of Credit

Get the extra cash you need with a Home Equity Line of Credit (HELOC) from CU SoCal. Whether you’re looking to renovate, repair, or simply need more cash on hand, a home equity line of credit may be the best choice for you. With a HELOC, you can access up to 80% of your home’s equity with either a lump-sum loan or revolving credit line to access the funds you need.
Amount Max CLTV1 APR2
Up to $250,000 80% 7.50%
Up to $500,000 70% 7.50%

Apply Now

1. Combined loan to value (LTV) not to exceed 80% of the appraised property value. Maximum loan amount is subject to credit qualification and appraised property value. Appraisal fees are applicable for HELOCs above $250,000. HELOC is only available on owner-occupied California properties including single-family residences, condominium and two-, three-, or four-unit properties. Properties with construction work in progress may not be eligible. Borrower responsible for payment of property taxes and homeowners insurance.

2. APR=Annual Percentage Rate. Offer available only for new CU SoCal HELOCs or refinanced HELOC from outside lender. Fees may be required for a condominium certification, multi-unit property appraisal and changes to title holder. Rates above are effective 12/19/24 and is subject to change without notice. NMLS#454788

Credit Union of Southern California is located at 8101 E. Kaiser Blvd., Suite 300, Anaheim, CA 92808

Home Equity Loan

Amount1 Term Max CLTV2 Rate Points APR Est. Payment Per $1,0003
Up to $250,000 Up to 15 Years 75% 7.50% 0 7.50% $9.27
Up to $250,000 Up to 20 Years 75% 7.75% 0 7.75% $8.21
Up to $250,000 Up to 25 Years 75% 8.00% 0 8.00% $7.72
Up to $150,000 Up to 15 Years 80% 7.50% 0 7.50% $9.27
Up to $150,000 Up to 20 Years 80% 7.75% 0 7.75% $8.21
Up to $150,000 Up to 25 Years 80% 8.00% 0 8.00% $7.72

Apply Now

1. Maximum loan amount subject to credit qualification and appraised property value.
2. Combined Loan-to-Value (CLTV).
3. Payment factor is based on a 15-year term, 20-year term, or 25-year term. The rates and prices quoted above are effective as of 3/6/2024, 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 CUSoCal home loan specialist at 800.698.7196.

We understand that home is where the heart is, which is why CU SoCal proudly offers flexible loans for motor homes and trailers. Our loans offer flexible terms of up to 180 months, with up to 90% financing paired with competitive rates. Whether you’re trying to finance a trailer, camper, recreational vehicle, or motor home, we’re here to help.

Type Term APR Est. Payment Per $100
New (2023 – 2024) Up to 84 months 7.99% - 11.99% $1.56 - $1.76
New (2023 – 2024) Up to 180 months 8.99% - 12.99% $1.01 - $1.26
Pre-owned (2014 – 2023) Up to 84 months 8.24% - 12.24% $1.57 - $1.78
Pre-owned (2014 – 2023) Up to 180 months 9.24% - 13.24% $1.03 - $1.28

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Financing available up to 90% of retail/MSRP value including  tax, license, and document fees. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an Automatic Loan Payment set up from a CU SoCal share account. Members may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.

Take to the sea, or even just the local lake or river, with a boat loan from CU SoCal. We offer competitive rates and flexible terms on new and used boats, so no matter where your adventures take you, we’re here to help you conquer the waters!

Type Term APR Est. Payment Per $100
New Boat (2023-2024) Up to 84 months 7.99% - 11.99% $1.56 - $1.76
New Boat (2023-2024) Up to 180 months 8.99% - 12.99% $1.01 - $1.26
Pre-owned (2014-2023) Up to 84 months 8.24% - 12.24% $1.57 - $1.78
Pre-owned (2014 – 2023) Up to 180 months 9.24% - 13.24% $1.03 - $1.28

Apply Now

Financing available up to 90% of retail/MSRP value including  tax, license, and document fees. Previously owned boats are not eligible. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.50% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account with automatic payment to your loan. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.

Just like you, we love the freedom of a wide-open road. With a motorcycle loan from CU SoCal, you can easily finance the bike of your dreams thanks to our flexible terms of up to 84 months paired with competitive interest rates and low monthly payments. From scooters to choppers, we’re here to help finance what drives you.

Type Term APR Est. Payment Per $100
New Motorcycle (2023 – 2024) Up to 84 months 7.99% - 11.99% $1.56 - $1.76
Pre-owned Motorcycle (2014 – 2023) Up to 84 months 8.24% - 12.24% $1.57 - $1.78

Apply Now

Financing available up to 90% of retail/MSRP value including  tax, license, and document fees. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an Automatic Loan Payment set up from a CU SoCal share account. Members may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. The rates and terms above are subject to change without notice.

In addition to a variety of boats, CU SoCal proudly offers loans for various personal watercrafts as well. We offer up to 90% financing with terms of up to 84 months, all paired with a low APR and monthly payments. Whether you’re tearing through saltwater or drifting through freshwater, our competitive rates and flexible term loans are the perfect picks to fuel your aquatic adventures.

Type Term APR Est. Payment Per $100
New Personal Watercraft (2023 – 2024) Up to 84 months 7.99% - 11.99% $1.56 - $1.76

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Financing available up to 90% of retail/MSRP value including  tax, license, and document fees. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an Automatic Loan Payment set up from a CU SoCal share account. Members may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of 10/22/2024 and are subject to change without notice.

Quad/Side by Side

Sometimes, we all need to escape and break free of the beaten path, and when you’re ready, CU SoCal is here to make your off-roading dreams a reality!

We’ve made getting the recreational off-roader of your dreams easier than ever with up to 90% financing and flexible loan terms of up to 84 months.
 
Type Term APR Est. Payment Per $100
New Quads/ Side by Side (2023-2024) Up to 84 months 7.99% - 11.99% $1.56 - $1.76
Financing available up to 90% of retail/MSRP value including  tax, license, and document fees. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. For more information, please call our telephone service center at 562.698.8326. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate includes a 0.25% reduction for payroll direct deposit of $750 into a CU SoCal Checking Account and a 0.25% reductions for having an Automatic Loan Payment set up from a CU SoCal share account. Members may combine both discounts for a total maximum discount of 0.50%. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The above discounts are one time, and only apply at time of origination. The rates and terms above are effective as of  10/22/2024 and are subject to change without notice.

Open an Account Online Today!

Whether you’re planning for your retirement, or just trying to prepare for education expenses, you can build a more confident future with an IRA from CU SoCal.

With a low opening balance, tiered dividends with generous returns, and the ability to make unlimited contributions over the term of the account, CU SoCal is here to help grow your wealth.
 

Apply Now!

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Building Better Lives™

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.

 

562.698.8326 | 866 CU SoCal Se Habla Español

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