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Credit Union of Southern California

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Credit Union of Southern California Rates & Review November 2026

Q: What are the current interest rates at Credit Union of Southern California?

Current rates for Credit Union of Southern California include: 12-Month CD: 3.10%, 18-Month CD: 3.00%, 24-Month CD: 2.85%, 60-Month CD: 3.00%, Savings: 0.10%, MMA: 0.50%

Q: What CD terms does Credit Union of Southern California offer?

Credit Union of Southern California CD rates are 4.25% APY for a 12 month CD, 3.00% APY for an 18 month CD, 4.50% APY for a 2 year CD, 4.50% APY for a 3 year CD, 4.50% APY for a 4 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Union of Southern California for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Credit Union of Southern California's 24 Month CD - Rewards+ Loyalty Program rates are at 4.50%, 36 Month CD - Rewards+ Loyalty Program rates are at 4.50%, 48 Month CD - Rewards+ Loyalty Program rates are at 4.50%, 60 Month CD - Rewards+ Loyalty Program rates are at 4.50%, 12 Month CD - Rewards+ Loyalty Program rates are at 4.25%. Credit Union of Southern California's savings rates are at 0.10%. Credit Union of Southern California's money market rates are at 0.50%. Credit Union of Southern California's checking rates are as high as 0.10%. Credit Union of Southern California's Jumbo 5/1 ARM rates are at 5.88%, Jumbo 5/5 ARM rates are at 6.00%, 5/1 ARM rates are at 6.00%, Adjustable Rate Mortgage - 5/1 ARM rates are at 6.00%, 5/5 ARM rates are at 6.12%. Credit Union of Southern California's RV, Boat and Powersport Loan Rates are as low as 7.24%. Credit Union of Southern California's Credit Card Rates are at 10.65%. Credit Union of Southern California's CD rates are 56% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Credit Union of Southern California with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.65%. Rates last updated and verified on 10/30/2026.

Credit Union of Southern California money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Credit Union of Southern California? Share your experience about Credit Union of Southern California by leaving a review below, or read customer reviews before you decide to use Credit Union of Southern California.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.65%

Excellent Lower than avg

Health Trend

Very strong 3 quarters

Full history ›

Credit Union of Southern California
Corporate Office

8101 E Kaiser Blvd
Anaheim, CA 92808-2243

https://www.cusocal.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Credit Union of Southern California CD Rates

Product	Rate	APY	Term
24 Month Certificate - Rewards+ Loyalty Program	4.41%	4.50%	24 month
Min Deposit $500 Min Balance $500 Details Rewards+ Loyalty Program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
36 Month Certificate - Rewards+ Loyalty Program	4.41%	4.50%	36 month
Min Deposit $500 Min Balance $500 Details Rewards+ Loyalty Program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
48 Month Certificate - Rewards+ Loyalty Program	4.41%	4.50%	48 month
Min Deposit $500 Min Balance $500 Details Rewards+ Loyalty Program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
60 Month Certificate - Rewards+ Loyalty Program	4.41%	4.50%	60 month
Min Deposit $500 Min Balance $500 Details Rewards+ Loyalty Program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
IRA 24 month Certificate - Rewards+ Loyalty Program	4.41%	4.50%	24 month
Min Deposit $25 Min Balance $25 Details IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
IRA 36 month Certificate - Rewards+ Loyalty Program	4.41%	4.50%	36 month
Min Deposit $25 Min Balance $25 Details IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
IRA 48 month Certificate - Rewards+ Loyalty Program	4.41%	4.50%	48 month
Min Deposit $25 Min Balance $25 Details IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
IRA 60 month Certificate - Rewards+ Loyalty Program	4.41%	4.50%	60 month
Min Deposit $25 Min Balance $25 Details IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
12 Month Certificate - Rewards+ Loyalty Program	4.17%	4.25%	12 month
Min Deposit $500 Min Balance $500 Details Rewards+ Loyalty Program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
18 Month Certificate - Rewards+ Loyalty Program	4.17%	4.25%	18 month
Min Deposit $500 Min Balance $500 Details Rewards+ Loyalty Program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
6 Month Certificate - Rewards+ Loyalty Program	4.17%	4.25%	6 month
Min Deposit $500 Min Balance $500 Details Rewards+ Loyalty Program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
IRA 12 month Certificate - Rewards+ Loyalty Program	3.93%	4.00%	12 month
Min Deposit $25 Min Balance $25 Details IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
IRA 18 month Certificate - Rewards+ Loyalty Program	3.93%	4.00%	18 month
Min Deposit $25 Min Balance $25 Details IRA; Rewards+ Loyalty Program; Minimum to earn dividend: $25; Rewards+ Loyalty Program certificates are only available to open during the months when a Member is an active Rewards+ Loyalty Program Member Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
3 Month Certificate - Rewards+ Loyalty Program	3.69%	3.75%	3 month
Min Deposit $500 Min Balance $500 Details Rewards+ Loyalty Program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
1 Month Certificate - Rewards+ Loyalty Program	3.45%	3.50%	1 month
Min Deposit $7,500 Min Balance $7,500 Details Rewards+ Loyalty Program Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
IRA 12 month Certificate	3.06%	3.10%	12 month
Min Deposit $25 Min Balance $25 Details IRA; Non-Rewards+ Loyalty Program; Minimum to earn dividend: $25 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
18 Month Certificate	2.96%	3.00%	18 month
Min Deposit $500 Min Balance $500 Details Non-Rewards+ Loyalty Program Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
60 Month Certificate	2.96%	3.00%	60 month
Min Deposit $500 Min Balance $500 Details Non-Rewards+ Loyalty Program Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
IRA 18 month Certificate	2.96%	3.00%	18 month
Min Deposit $25 Min Balance $25 Details IRA; Non-Rewards+ Loyalty Program; Minimum to earn dividend: $25 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
IRA 60 month Certificate	2.96%	3.00%	60 month
Min Deposit $25 Min Balance $25 Details IRA; Non-Rewards+ Loyalty Program; Minimum to earn dividend: $25 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
IRA 24 month Certificate	2.81%	2.85%	24 month
Min Deposit $25 Min Balance $25 Details IRA; Non-Rewards+ Loyalty Program; Minimum to earn dividend: $25 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
IRA 36 month Certificate	2.81%	2.85%	36 month
Min Deposit $25 Min Balance $25 Details IRA; Non-Rewards+ Loyalty Program; Minimum to earn dividend: $25 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
IRA 48 month Certificate	2.81%	2.85%	48 month
Min Deposit $25 Min Balance $25 Details IRA; Non-Rewards+ Loyalty Program; Minimum to earn dividend: $25 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Credit Union of Southern California Savings Rates

Product	Rate	APY
Holiday Saver	0.30%	0.30%
Min Deposit $10 Min Balance $1 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Summer Saver	0.30%	0.30%
Min Deposit $50 Min Balance $1 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Regular Savings	0.10%	0.10%
Min Deposit $10 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Sub-Savings/IRA Savings	0.10%	0.10%
Min Deposit $5 Min Balance $500 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Credit Union of Southern California Money Market Rates

Product	Rate	APY
Money Market Account	0.50%	0.50%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Money Market Account	0.45%	0.45%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Money Market Account	0.35%	0.35%
Min Deposit $15,000 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Money Market Account	0.30%	0.30%
Min Deposit $15,000 Min Balance $15,000 Details Balance: $15,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Money Market Account	0.25%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $14,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Credit Union of Southern California Checking Rates

Product	Rate	APY	View More
Rewards Checking	0.10%	0.10%
Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Credit Union of Southern California Mortgage Rates

Product	Rate	Points	APR	Term
Jumbo 5/1 ARM	5.875%	0	5.898%
Details Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT; Rates effective as of October 29, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 5.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Jumbo 5/5 ARM	6.00%	0	6.023%
Details Margin: 2.375%; Caps: 2/2/5; Index: Five-Year CMT; Rates effective as of October 29, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.02% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
5/1 ARM	6.00%	0	6.045%
Details Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT Last Updated 10/30/2026 Rate History 5 changes since Sep 14, 2026 · 6.05% → 6.05% ▼ 0.00 pts · high 6.30% / low 6.05% Oct 26, 20266.05%▼ from 6.17% Oct 10, 20266.17%▲ from 6.05% Oct 1, 20266.05%▼ from 6.30% Sep 27, 20266.30%▲ from 6.17% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Adjustable Rate Mortgage - 5/1 ARM	6.00%	0	6.045%
Details Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT; Rates effective as of October 26, 2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 27, 2026 · 6.30% → 6.05% ▼ 0.25 pts · high 6.30% / low 6.05% Oct 26, 20266.05%▼ from 6.17% Oct 10, 20266.17%▲ from 6.05% Oct 1, 20266.05%▼ from 6.30% Sep 27, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
5/5 ARM	6.125%	0	6.171%
Details Margin: 2.375%; Caps: 2/2/5; Index: Five-Year CMT Last Updated 10/30/2026 Rate History 5 changes since Sep 14, 2026 · 6.17% → 6.17% ▼ 0.00 pts · high 6.40% / low 6.17% Oct 26, 20266.17%▼ from 6.30% Oct 10, 20266.30%▲ from 6.17% Oct 1, 20266.17%▼ from 6.40% Sep 27, 20266.40%▲ from 6.30% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Adjustable Rate Mortgage - 5/5 ARM	6.125%	0	6.171%
Details Margin: 2.375%; Caps: 2/2/5; Index: Five-Year CMT; Rates effective as of October 26, 2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 27, 2026 · 6.40% → 6.17% ▼ 0.23 pts · high 6.40% / low 6.17% Oct 26, 20266.17%▼ from 6.30% Oct 10, 20266.30%▲ from 6.17% Oct 1, 20266.17%▼ from 6.40% Sep 27, 20266.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Jumbo 7/1 ARM	6.25%	0	6.274%
Details Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT; Rates effective as of October 29, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.27% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
7/1 ARM	6.25%	0	6.296%
Details Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT Last Updated 10/30/2026 Rate History 5 changes since Sep 14, 2026 · 6.30% → 6.30% ▼ 0.00 pts · high 6.55% / low 6.30% Oct 26, 20266.30%▼ from 6.42% Oct 10, 20266.42%▲ from 6.30% Oct 1, 20266.30%▼ from 6.55% Sep 27, 20266.55%▲ from 6.42% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Adjustable Rate Mortgage - 7/1 ARM	6.25%	0	6.296%
Details Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT; Rates effective as of October 26, 2026 Last Updated 10/30/2026 Rate History 3 changes since Sep 27, 2026 · 6.55% → 6.30% ▼ 0.25 pts · high 6.55% / low 6.30% Oct 26, 20266.30%▼ from 6.42% Oct 10, 20266.42%▲ from 6.30% Oct 1, 20266.30%▼ from 6.55% Sep 27, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Interest Only ARM 5yr / 1yr	6.375%	0	6.421%
Details Interest only adjustable-rate mortgage; Margin: 2.750%; Caps: 2/2/5; Est. Payment Per $1,000: $4.90; Rates Effective as of: October 29, 2026; Assumes primary residence or no-cashout refinance, LTV below 60%, credit score 740, 45-day rate lock Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 6.67% → 6.42% ▼ 0.25 pts · high 6.67% / low 6.42% Oct 30, 20266.42%▼ from 6.55% Oct 26, 20266.55%▼ from 6.67% Oct 14, 20266.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
10-Year Fixed Conforming Mortgage	6.375%	0	6.483%	10 years
Details Fixed-rate conforming mortgage; Conforming Maximum Loan up to $832,750; Rates Effective as of: October 29, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.48% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
15-Year Fixed Conforming Mortgage	6.50%	0	6.577%	15 years
Details Fixed-rate conforming mortgage; Conforming Maximum Loan up to $832,750; Rates Effective as of: October 29, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.58% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Jumbo Fixed Rate - 15-Year Fixed	6.625%	0	6.665%	15 years
Details Jumbo loan; Rates effective as of October 26, 2026; Based on single unit primary residence, 60% CLTV, 760+ credit; Est. payment per $1000: $6.40 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.79% → 6.67% ▼ 0.13 pts · high 6.79% / low 6.67% Oct 26, 20266.67%▼ from 6.79% Oct 14, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Interest Only ARM 7yr / 1yr	6.75%	0	6.797%
Details Interest only adjustable-rate mortgage; Margin: 2.750%; Caps: 2/2/5; Est. Payment Per $1,000: $5.42; Rates Effective as of: October 29, 2026; Assumes primary residence or no-cashout refinance, LTV below 60%, credit score 740, 45-day rate lock Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 6.92% → 6.80% ▼ 0.13 pts · high 6.92% / low 6.80% Oct 26, 20266.80%▼ from 6.92% Oct 14, 20266.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
20-Year Fixed Conforming Mortgage	6.875%	0	6.937%	20 years
Details Fixed-rate conforming mortgage; Conforming Maximum Loan up to $832,750; Rates Effective as of: October 29, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
15-Year Fixed High Balance	7.00%	0	7.054%	15-Year
Details Fixed-rate high balance mortgage; est. payment per $1000: $6.65; loan amounts $832,751 to $1,249,125; LTV below 60%; 45-day rate lock; assumed credit score 720 Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 7.05% → 7.05% ▼ 0.00 pts · high 7.56% / low 7.05% Oct 26, 20267.05%▼ from 7.56% Oct 14, 20267.56%▲ from 7.18% Sep 27, 20267.18%▲ from 7.05% Sep 18, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Jumbo Fixed Rate - 30-Year Fixed	7.125%	0	7.15%	30 years
Details Jumbo loan; Rates effective as of October 26, 2026; Based on single unit primary residence, 60% CLTV, 760+ credit; Est. payment per $1000: $6.74 Last Updated 10/30/2026 Rate History 2 changes since Oct 14, 2026 · 7.40% → 7.15% ▼ 0.25 pts · high 7.40% / low 7.15% Oct 26, 20267.15%▼ from 7.28% Oct 19, 20267.28%▼ from 7.40% Oct 14, 20267.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
30-Year Fixed Conforming Mortgage	7.125%	0	7.173%	30 years
Details Fixed-rate conforming mortgage; Conforming Maximum Loan up to $832,750; Rates Effective as of: October 29, 2026 Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.17% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
30-Year Fixed High Balance	8.125%	0	8.16%	30-Year
Details Fixed-rate high balance mortgage; est. payment per $1000: $9.63; loan amounts $832,751 to $1,249,125; LTV below 60%; 45-day rate lock; assumed credit score 720 Last Updated 10/30/2026 Rate History 3 changes since Sep 18, 2026 · 8.04% → 8.16% ▲ 0.13 pts · high 8.54% / low 8.04% Oct 30, 20268.16%▲ from 8.04% Oct 26, 20268.04%▼ from 8.54% Sep 27, 20268.54%▲ from 8.04% Sep 18, 20268.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Credit Union of Southern California Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	7.011%
Details As Low As; Amount: Up to $500,000; Max CLTV: 70%; Combined loan to value not to exceed 80% of appraised property value; HELOC rates are variable and based on Prime Rate plus a margin Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.76% → 7.01% ▲ 0.25 pts · high 7.01% / low 6.76% Sep 18, 20267.01%▲ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Home Equity Line of Credit	-	-	7.023%
Details As Low As; Amount: Up to $250,000; Max CLTV: 80%; Combined loan to value not to exceed 80% of appraised property value; HELOC rates are variable and based on Prime Rate plus a margin Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.76% → 7.02% ▲ 0.26 pts · high 7.02% / low 6.76% Sep 18, 20267.02%▲ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Home Equity Loan - Up to 15 Years	7.50%	0	7.631%	Up to 15 Years
Details Amount: Up to $250,000; Max CLTV: 80%; Est. payment per $1,000: $9.27; Rates Effective as of: October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.63% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Home Equity Loan - Up to 20 Years	7.75%	0	7.857%	Up to 20 Years
Details Amount: Up to $250,000; Max CLTV: 80%; Est. payment per $1,000: $8.21; Rates Effective as of: October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.86% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Credit Union of Southern California Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.64%	Up to 60 months
Details Max APR: 13.64% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.64% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Auto Loan	-	-	4.64%	Up to 60 months
Details Max APR: 13.64% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.89% → 4.64% ▼ 0.25 pts · high 4.89% / low 4.64% Oct 10, 20264.64%▼ from 4.89% Sep 14, 20264.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Auto Loan	-	-	4.89%	Up to 72 months
Details Max APR: 13.89% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.89% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Auto Loan	-	-	4.89%	Up to 72 months
Details Max APR: 13.89% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.14% → 4.89% ▼ 0.25 pts · high 5.14% / low 4.89% Oct 10, 20264.89%▼ from 5.14% Sep 14, 20265.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Auto Loan	-	-	5.29%	Up to 84 months
Details Max APR: 11.29% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.29% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Auto Loan	-	-	5.29%	Up to 84 months
Details Max APR: 11.29% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.54% → 5.29% ▼ 0.25 pts · high 5.54% / low 5.29% Oct 10, 20265.29%▼ from 5.54% Sep 14, 20265.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Credit Union of Southern California RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan	-	7.24%
Details As Low As; Recreational loan terms from 84 to 180 months; financing up to 90% MSRP Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Motor Home / Trailer - New Loan	-	7.24%	up to 84 months
Details As Low As; Min APR 7.24% - Max APR 11.24%; Financing up to 90% of retail/MSRP value; Rates effective as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Motor Home / Trailer Loan	-	7.24%
Details As Low As; Recreational loan terms from 84 to 180 months; financing up to 90% MSRP Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Boat Loan	-	7.24%	up to 84 months
Details Max APR: 11.24% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Motorcycle Loan	-	7.24%	Up to 84 months
Details Min APR: 7.24%; Max APR: 11.24%; Est. payment per $1,000: $15.21 - $17.25; Financing up to 90% of retail/MSRP value; Payment factor based on maximum term; Minimum payment on all vehicle loans is $100 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Personal Watercraft Loan	-	7.24%	Up to 84 months
Details Max APR: 11.24%; Min APR shown; Type: New Personal Watercraft; Payment factor based on maximum term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Quads/ Side by Side Loan	-	7.24%	Up to 84 months
Details As Low As; Min APR 7.24% to Max APR 11.24%; Rates Effective as of: October 19, 2026; Financing up to 90% of retail/MSRP value; Minimum payment $100 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Personal Watercraft Loan	-	7.24%
Details As Low As; Recreational loan terms from 84 to 180 months; financing up to 90% MSRP Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Quad / Side By Side Loan	-	7.24%
Details As Low As; Recreational loan terms from 84 to 180 months; financing up to 90% MSRP Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Quad/Side by Side Loan - New Quads/ Side by Side	-	7.24%	Up to 84 months
Details Max APR: 11.24% Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
RV/Trailer Loan - New	-	7.24%	up to 84 months
Details Min APR 7.24% to Max APR 11.24%; Financing up to 90% of retail/MSRP value; Minimum payment on all vehicle loans is $100 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Motor Home / Trailer - Pre-owned Loan	-	7.49%	up to 84 months
Details Min APR 7.49% - Max APR 11.49%; Financing up to 90% of retail/MSRP value; Rates effective as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Boat Loan	-	7.49%	up to 84 months
Details Max APR: 11.49% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Motorcycle Loan	-	7.49%	Up to 84 months
Details Min APR: 7.49%; Max APR: 11.49%; Est. payment per $1,000: $15.33- $17.38; Financing up to 90% of retail/MSRP value; Payment factor based on maximum term; Minimum payment on all vehicle loans is $100 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
RV/Trailer Loan - Pre-owned	-	7.49%	up to 84 months
Details Min APR 7.49% to Max APR 11.49%; Financing up to 90% of retail/MSRP value; Minimum payment on all vehicle loans is $100 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Motor Home / Trailer - New Loan	-	8.24%	up to 180 months
Details Min APR 8.24% - Max APR 12.24%; Financing up to 90% of retail/MSRP value; Rates effective as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Boat Loan	-	8.24%	up to 180 months
Details Max APR: 12.24% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
RV/Trailer Loan - New	-	8.24%	up to 180 months
Details Min APR 8.24% to Max APR 12.24%; Financing up to 90% of retail/MSRP value; Minimum payment on all vehicle loans is $100 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Motor Home / Trailer - Pre-owned Loan	-	8.49%	up to 180 months
Details Min APR 8.49% - Max APR 12.49%; Financing up to 90% of retail/MSRP value; Rates effective as of October 19, 2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Boat Loan	-	8.49%	up to 180 months
Details Max APR: 12.49% Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
RV/Trailer Loan - Pre-owned	-	8.49%	up to 180 months
Details Min APR 8.49% to Max APR 12.49%; Financing up to 90% of retail/MSRP value; Minimum payment on all vehicle loans is $100 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Personal Watercraft Loan	7.24%	11.24%	Up to 84 months
Details Min APR 7.24%; Max APR 11.24% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 11.24% ▲ 4.00 pts · high 11.24% / low 7.24% Oct 26, 202611.24%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Credit Union of Southern California Credit Card Rates

Product	Rate	APR
CU SoCal Topaz Visa Credit Card	-	10.65%
Details APR range: 10.65% - 17.65%; Maximum loan amount: $50,000; Aggregate maximum unsecured loan limit $50,000; No annual fee; 25-day grace period; 2% balance transfer fee; APR based on creditworthiness at account opening and varies with Prime Rate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 10.40% → 10.65% ▲ 0.25 pts · high 10.65% / low 10.40% Oct 10, 202610.65%▲ from 10.40% Sep 14, 202610.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
CU SoCal Platinum Rewards Visa	-	12.65%
Details APR range: 12.65% - 17.90%; Maximum loan amount: $50,000; Aggregate maximum unsecured loan limit $50,000; No annual fee; 25-day grace period; 2% balance transfer fee; APR varies with Prime Rate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.40% → 12.65% ▲ 0.25 pts · high 12.65% / low 12.40% Oct 10, 202612.65%▲ from 12.40% Sep 14, 202612.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Credit Union of Southern California Personal Loan Rates

Product	APR	Term
New Personal Watercraft Loan	7.24%	Up to 84 months
Details Max APR: 11.24%; Min APR shown; Type: New Personal Watercraft; Payment factor based on maximum term Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Personal Watercraft Loan	7.24%
Details As Low As; Recreational loan terms from 84 to 180 months; financing up to 90% MSRP Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Personal Watercraft Loan	11.24%	Up to 84 months
Details Min APR 7.24%; Max APR 11.24% Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 11.24% ▲ 4.00 pts · high 11.24% / low 7.24% Oct 26, 202611.24%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Personal Loan - Signature Loan	11.49%	24 months
Details Min APR; Max APR: 17.49%; Maximum loan amount: $30,000; See Disclosure; includes .50% discount for direct payroll deposit of $750 monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Signature Loan	11.49%	24 months
Details Min APR: 11.49%; Max APR: 17.49%; Maximum loan amount: $30,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Personal Loan - Signature Loan	11.99%	48 months
Details Min APR; Max APR: 17.49%; Maximum loan amount: $30,000; See Disclosure; includes .50% discount for direct payroll deposit of $750 monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Signature Loan	11.99%	48 months
Details Min APR: 11.99%; Max APR: 17.49%; Maximum loan amount: $30,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Personal Loan - Signature Loan	12.49%	60 Months
Details Min APR; Max APR: 17.49%; Maximum loan amount: $30,000; See Disclosure; includes .50% discount for direct payroll deposit of $750 monthly Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 12.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Signature Loan	12.49%	60 Months
Details Min APR: 12.49%; Max APR: 17.49%; Maximum loan amount: $30,000 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Credit Union of Southern California Other Rates

Product	Rate	Points	APY/APR	Term	View More
Deferred Compensation	0.45%	-	0.45%
Min Deposit $10 Min Balance $1 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Credit Union of Southern California’s Texas Ratio stayed near 2.33% in Q4 2025 to 2.65% in Q2 2026, so its financial health has stayed very strong over the past 3 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.0B	2.65%	5.0	A+
March 31, 2026	$3.9B	2.13%	5.0	A+
December 31, 2025	$3.8B	2.33%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Credit Union of Southern California is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Credit Union of Southern California rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Credit Union of Southern California's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union of Southern California

Website https://www.cusocal.org

Address 8101 E Kaiser Blvd, Anaheim, CA 92808-2243

Phone 562-698-8326

Fax 714-671-2762

President Elizabeth Camp

CEO Dave Gunderson

Full-Time Employees 464

Part-Time Employees 27

Branch Locations 25

ATM Locations 20

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.65%

Return on Assets (ROA)

0.5819%

Return on Equity (ROE)

5.1483%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

4,006,096,229

Total Amount of Shares and Deposits

3,062,543,841

Total Shares and Deposits < 1 Year

2,974,374,875

Total Shares and Deposits 1 3 Years

65,317,688

Total Shares and Deposits > 3 Years

22,851,278

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

184,041,505

Total Uninsured Shares and Deposits > $250K (F+J)

184,041,505

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,878,502,336

Total Interest Expense (Sum of items 6 8)

33,024,626

Share Certificates

29,232

Number of Accounts for Share Drafts

124,442

IRA KEOGH Accounts

4,873

Number of Accounts for Regular Shares

230,299

All other shares

Money Market Shares

15,808

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

163,682,092

Total Liabilities

3,721,286,795

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Credit Union of Southern California earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Credit Union of Southern California

Does Credit Union of Southern California offer CDs?

Yes. Credit Union of Southern California current CD rates include its 24 Month CD - Rewards+ Loyalty Program at 4.50% APY, its 36 Month CD - Rewards+ Loyalty Program at 4.50% APY and its 48 Month CD - Rewards+ Loyalty Program at 4.50% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Credit Union of Southern California NCUA insured?

Yes. Credit Union of Southern California is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Credit Union of Southern California?

The highest Credit Union of Southern California CD rate is its 24 Month CD - Rewards+ Loyalty Program at 4.50% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Credit Union of Southern California offer?

Credit Union of Southern California CD rates are 4.25% APY for a 12 month CD, 3.00% APY for an 18 month CD, 4.50% APY for a 2 year CD, 4.50% APY for a 3 year CD, 4.50% APY for a 4 year CD and 4.50% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Credit Union of Southern California for its full lineup.

What is the highest savings rate at Credit Union of Southern California?

The highest Credit Union of Southern California savings rate is its Regular Savings at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Credit Union of Southern California?

The highest Credit Union of Southern California money market rate is its Money Market Account at 0.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Credit Union of Southern California?

The highest Credit Union of Southern California checking rate is its Rewards Checking at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Credit Union of Southern California?

The lowest Credit Union of Southern California 30 year fixed mortgage rate is its Jumbo Fixed Rate - 30-Year Fixed at 7.125%, verified by MonitorBankRates as of October 30, 2026. Credit Union of Southern California mortgage rates are 7.125% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.50% for a 15 year mortgage, 6.375% for a 10 year mortgage, 6.75% for a 7 year mortgage, 6.375% for a 5 year mortgage, 6.00% for a 5/1 ARM and 6.125% for a 5/5 ARM.

What is the lowest auto loan rate at Credit Union of Southern California?

The lowest Credit Union of Southern California auto loan rate is its New Auto Loan at 4.64% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Credit Union of Southern California?

The lowest Credit Union of Southern California personal loan rate is its New Personal Watercraft Loan at 7.24% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Credit Union of Southern California?

The lowest Credit Union of Southern California credit card APR is its CU SoCal Topaz Visa Credit Card at 10.65% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Credit Union of Southern California operate?

Credit Union of Southern California currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Credit Union of Southern California?

Yes, to access services at Credit Union of Southern California, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Credit Union of Southern California does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Credit Union of Southern California provides members with tools to manage their accounts and build a solid financial history.

Does Credit Union of Southern California offer online and mobile banking?

Most modern institutions like Credit Union of Southern California provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cusocal.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Credit Union of Southern California rates compare?

Credit Union of Southern California's CD rates are 56% higher than the MonitorBankRates national average, and it has an A+ health rating. Credit Union of Southern California's top rates are its 24 Month CD - Rewards+ Loyalty Program at 4.50% APY, its Regular Savings at 0.10% APY, its Money Market Account at 0.50% APY, its Rewards Checking at 0.10% APY, its Jumbo 5/1 ARM at 5.875%, its New Personal Watercraft Loan at 7.24% APR and its CU SoCal Topaz Visa Credit Card at 10.65% APR, verified by MonitorBankRates on October 30, 2026.

Current Credit Union of Southern California Rates

12-Month CD3.10%
18-Month CD3.00%
24-Month CD2.85%
60-Month CD3.00%
Savings0.10%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

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Credit Union of Southern California Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Credit Union of Southern California Texas Ratio

Credit Union of Southern California Health Trend

Credit Union of Southern California CD Rates

Credit Union of Southern California Savings Rates

Credit Union of Southern California Money Market Rates

Credit Union of Southern California Checking Rates

Credit Union of Southern California Mortgage Rates

Credit Union of Southern California Home Equity & HELOC

Credit Union of Southern California Auto Loan Rates

Credit Union of Southern California RV, Boat and Powersport Loan Rates

Credit Union of Southern California Credit Card Rates

Credit Union of Southern California Personal Loan Rates

Credit Union of Southern California Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Credit Union of Southern California earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Credit Union of Southern California

Does Credit Union of Southern California offer CDs?

Are CDs from Credit Union of Southern California NCUA insured?

What is the highest CD rate at Credit Union of Southern California?

What CD terms does Credit Union of Southern California offer?

What is the highest savings rate at Credit Union of Southern California?

What is the highest money market rate at Credit Union of Southern California?

What is the highest checking rate at Credit Union of Southern California?

What is the lowest 30 year fixed mortgage rate at Credit Union of Southern California?

What is the lowest auto loan rate at Credit Union of Southern California?

What is the lowest personal loan rate at Credit Union of Southern California?

What is the lowest credit card APR at Credit Union of Southern California?

How many branches does Credit Union of Southern California operate?

Is a member application needed to join Credit Union of Southern California?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Credit Union of Southern California offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Credit Union of Southern California rates compare?

Current Credit Union of Southern California Rates

Compare to Other Credit Unions