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

Current rates for Credit Union of Southern California include: 12-Month CD: 4.25%, 18-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 0.10%, MMA: 0.50%

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Credit Union of Southern California

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Credit Union of Southern California Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Credit Union of Southern California's top rates as of October 10, 2026 are 4.25% APY on its 12 Month Minor CD, 0.10% APY on savings, 0.50% APY on money market accounts, 0.10% APY on checking, 6.12% on its Jumbo Adjustable Rate Mortgage (ARM) - 5/1 ARM, rv, boat and powersport loans from 7.24% APR, and credit cards from 10.65% APR, according to rates verified by MonitorBankRates. Other Credit Union of Southern California CD rates include 12-Month CD at 4.25%, 18 Month CD at 3.00%, and 60 Month CD at 3.00%. Other Credit Union of Southern California mortgage rates include 5/1 ARM at 6.12%, Adjustable-rate mortgage - 5/1 ARM at 6.12%, and Jumbo Adjustable Rate Mortgage (ARM) - 5/5 ARM at 6.25%. 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 10/10/2026.

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 Q2 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
12 Month Minor Certificate	-	4.25%	12 months
Min Deposit $500 Min Balance $500 Details For minors, minimum term is 12 months; minimum opening balance and minimum to earn dividends is $500. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
12-Month Certificate	-	4.25%	12 months
Min Deposit $1,000 Min Balance $1,000 Details New Funds Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 2 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 2 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 2 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 2 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 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Credit Union of Southern California Checking Rates

Product	Rate	APY
Rewards Checking	0.10%	0.10%
Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Rewards Checking	-	0.05%
Details Qualifications Required: 12 signature-based and/or PIN based debit card purchases each monthly statement cycle; 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. Variable rate, subject to change without notice. Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 3.00% / low 0.05% Oct 10, 20260.05%▼ from 3.00% Oct 1, 20263.00%▲ from 0.05% Sep 27, 20260.05%first recorded 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 Adjustable Rate Mortgage (ARM) - 5/1 ARM	6.125%	0	6.149%
Details Margin: 2.500%; Caps: 2/2/6 Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 6.27% → 6.15% ▼ 0.13 pts · high 6.27% / low 6.02% Oct 10, 20266.15%▲ from 6.02% Oct 1, 20266.02%▼ from 6.27% Sep 27, 20266.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
5/1 ARM	6.125%	0	6.171%
Details Margin: 2.500%; Caps: 2/2/6 Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.05% → 6.17% ▲ 0.13 pts · high 6.30% / low 6.05% Oct 10, 20266.17%▲ from 6.05% Oct 1, 20266.05%▼ from 6.30% Sep 27, 20266.30%▲ from 6.17% Sep 18, 20266.17%▲ from 6.05% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Adjustable-rate mortgage - 5/1 ARM	6.125%	0	6.171%
Details Margin: 2.500%; Caps: 2/2/6 Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 6.30% → 6.17% ▼ 0.13 pts · high 6.30% / low 6.05% 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%
Jumbo Adjustable Rate Mortgage (ARM) - 5/5 ARM	6.25%	0	6.274%
Details Margin: 2.375%; Caps: 2/2/5 Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 6.40% → 6.27% ▼ 0.13 pts · high 6.40% / low 6.15% Oct 10, 20266.27%▲ from 6.15% Oct 1, 20266.15%▼ from 6.40% Sep 27, 20266.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
5/5 ARM	6.25%	0	6.296%
Details Margin: 2.375%; Caps: 2/2/5 Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.17% → 6.30% ▲ 0.13 pts · high 6.40% / low 6.17% Oct 10, 20266.30%▲ from 6.17% Oct 1, 20266.17%▼ from 6.40% Sep 27, 20266.40%▲ from 6.30% Sep 18, 20266.30%▲ from 6.17% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Adjustable-rate mortgage - 5/5 ARM	6.25%	0	6.296%
Details Margin: 2.375%; Caps: 2/2/5 Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 6.40% → 6.30% ▼ 0.10 pts · high 6.40% / low 6.17% 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 Adjustable Rate Mortgage (ARM) - 7/1 ARM	6.375%	0	6.399%
Details Margin: 2.500%; Caps: 2/2/6 Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 6.52% → 6.40% ▼ 0.13 pts · high 6.52% / low 6.27% Oct 10, 20266.40%▲ from 6.27% Oct 1, 20266.27%▼ from 6.52% Sep 27, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
7/1 ARM	6.375%	0	6.421%
Details Margin: 2.500%; Caps: 2/2/6 Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.30% → 6.42% ▲ 0.13 pts · high 6.55% / low 6.30% Oct 10, 20266.42%▲ from 6.30% Oct 1, 20266.30%▼ from 6.55% Sep 27, 20266.55%▲ from 6.42% Sep 18, 20266.42%▲ from 6.30% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Adjustable-rate mortgage - 7/1 ARM	6.375%	0	6.421%
Details Margin: 2.500%; Caps: 2/2/6 Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 6.55% → 6.42% ▼ 0.13 pts · high 6.55% / low 6.30% 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%
15-Year Fixed	6.75%	0	6.79%	15 years
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.45% → 6.79% ▲ 0.34 pts · high 6.95% / low 6.45% Oct 10, 20266.79%▼ from 6.95% Oct 2, 20266.95%▲ from 6.83% Sep 27, 20266.83%▲ from 6.58% Sep 18, 20266.58%▲ from 6.45% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
15-Year Fixed	6.75%	0	6.827%	15-Year
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.45% → 6.83% ▲ 0.38 pts · high 6.95% / low 6.45% Oct 10, 20266.83%▼ from 6.95% Oct 2, 20266.95%▲ from 6.83% Sep 27, 20266.83%▲ from 6.58% Sep 18, 20266.58%▲ from 6.45% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
10-Year Fixed	6.75%	0	6.859%	10-Year
No additional details. Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 6.36% → 6.86% ▲ 0.50 pts · high 6.98% / low 6.36% Oct 10, 20266.86%▼ from 6.98% Oct 2, 20266.98%▲ from 6.86% Sep 27, 20266.86%▲ from 6.61% Sep 22, 20266.61%▲ from 6.48% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
20-Year Fixed	7.125%	0	7.188%	20-Year
No additional details. Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.69% → 7.19% ▲ 0.50 pts · high 7.44% / low 6.69% Oct 10, 20267.19%▼ from 7.44% Oct 2, 20267.44%▲ from 7.31% Sep 27, 20267.31%▲ from 6.94% Sep 18, 20266.94%▲ from 6.69% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
15-Year Fixed High Balance Mortgage	7.25%	0	7.304%	15 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
30-Year Fixed	7.375%	0	7.40%	30 years
No additional details. Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 7.05% → 7.40% ▲ 0.35 pts · high 7.55% / low 7.05% Oct 10, 20267.40%▼ from 7.55% Oct 2, 20267.55%▲ from 7.42% Oct 1, 20267.42%▲ from 7.30% Sep 27, 20267.30%▲ from 7.17% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
30-Year Fixed	7.375%	0	7.424%	30-Year
No additional details. Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 7.05% → 7.42% ▲ 0.38 pts · high 7.55% / low 7.05% Oct 10, 20267.42%▼ from 7.55% Oct 2, 20267.55%▲ from 7.42% Oct 1, 20267.42%▲ from 7.30% Sep 27, 20267.30%▲ from 7.17% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
30-Year Fixed High Balance Mortgage	8.625%	0	8.662%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.66% APR 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 Amount: Up to $500,000; Max CLTV: 70% Last Updated 10/10/2026 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 Amount: Up to $250,000; Max CLTV: 80% Last Updated 10/10/2026 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	7.50%	0	7.631%	Up to 15 Years
Details Amount: Up to $250,000; Max CLTV: 80% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.63% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Home equity loan	7.75%	0	7.857%	Up to 20 Years
Details Amount: Up to $250,000; Max CLTV: 80% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.86% APR · checked 7 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
Auto Loan	-	-	3.99%	up to 36 months
Details As low as 3.99% APR up to 36 months. The Annual Percentage Rate=APR disclosed reflect CU SoCal's best available rate and includes a 0.50% discount when you have at least $750 monthly direct deposit to your CU SoCal Checking Account and an additional 0.25% discount as a Rewards+ Loyalty Program Member. Your APR may vary based on applicant's creditworthiness, loan amount, and loan term. If discount requirements are not met or are discontinued, the APR will be higher. Financing is available up to 120% of Kelley Blue Book retail value, inclusive of tax, license, and optional CU SoCal GAP and Mechanical Repair Coverage, subject to credit approval and underwriting guidelines. Vehicles less than two years old with up to 10,000 miles are classified as new; vehicles less than ten years old with up to 120,000 miles are classified as preowned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. Payment factor is based on maximum term and calculated per $1,000 financed. Direct deposit discount is applied once at time of loan funding. Rewards+ discount applied within 30 days of verification of applicant meeting qualification requirements. Discounts remain in effect for the life of the loan unless qualifying conditions are discontinued. For loans with a 90-day payment deferment, interest accrues from the funding date. Not all applicants will qualify. Additional terms and conditions may apply; consult a CU SoCal representative for details. Rate subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Auto	-	-	4.64%	Up to 60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.64% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Auto	-	-	4.64%	Up to 60 months
No additional details. Last Updated 10/10/2026 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	-	-	4.89%	Up to 72 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.89% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Auto	-	-	4.89%	Up to 72 months
No additional details. Last Updated 10/10/2026 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	-	-	5.29%	Up to 84 months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Auto	-	-	5.29%	Up to 84 months
No additional details. Last Updated 10/10/2026 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; 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. The above discounts are one time, and only apply at time of origination. The rates and terms above are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Motor Home / Trailer Loan	-	7.24%
Details As low as; 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 Member Care Center at 866.287.6225. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The rates and terms above are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Boat Loan	-	7.24%	up to 84 months
Details Published APR range: 7.24% - 11.24%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Motorcycle Loan	-	7.24%	Up to 84 months
Details Published APR range: 7.24% - 11.24%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 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 Published APR range: 7.24% - 11.24%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 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 Published APR range: 7.24% - 11.24%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Recreational vehicle loans	-	7.24%	up to 84 months
Details Max APR: 11.24% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New RV/trailer loan	-	7.24%	up to 84 months
Details Published APR range: 7.24% - 11.24%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Personal Watercraft Loan	-	7.24%
Details As low as; 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 Member Care Center at 866.287.6225. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. The rates and terms above are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 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; 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 Member Care Center at 866.287.6225. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. Rate may adjust if you discontinue direct deposit/payroll or payment transfer. The rates and terms above are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 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 Published APR range: 7.49% - 11.49%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Recreational vehicle loans	-	7.49%	up to 84 months
Details Max APR: 11.49% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned RV/trailer loan	-	7.49%	up to 84 months
Details Published APR range: 7.49% - 11.49%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Boat Loan	-	8.24%	up to 180 months
Details Published APR range: 8.24% - 12.24%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New Recreational vehicle loans	-	8.24%	up to 180 months
Details Max APR: 12.24% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
New RV/trailer loan	-	8.24%	up to 180 months
Details Published APR range: 8.24% - 12.24%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Recreational vehicle loans	-	8.49%	up to 180 months
Details Max APR: 12.49% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned RV/trailer loan	-	8.49%	up to 180 months
Details Published APR range: 8.49% - 12.49%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 6 times 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 Published APR range: 10.65% - 17.65%. Regular APR: 10.65% - 17.65% Last Updated 10/10/2026 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 Published APR range: 12.65% - 17.90%. Regular APR: 12.65% - 17.90% Last Updated 10/10/2026 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 Published APR range: 7.24% - 11.24%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Personal Watercraft Loan	7.24%
Details As low as; 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 Member Care Center at 866.287.6225. Payment factor based on maximum term. Minimum payment on all vehicle loans is $100. The rates and terms above are subject to change without notice. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Signature loan	11.49%	24 months
Details See Disclosure Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Signature loan	11.99%	48 months
Details See Disclosure Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Signature loan	12.49%	60 Months
Details See Disclosure Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 5 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
5yr / 1yr Loan	6.625%	0	6.672%
Details Margin: 2.750%; Caps: 2/2/5 Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.55% → 6.67% ▲ 0.13 pts · high 6.80% / low 6.55% Oct 10, 20266.67%▲ from 6.55% Oct 1, 20266.55%▼ from 6.80% Sep 27, 20266.80%▲ from 6.67% Sep 18, 20266.67%▲ from 6.55% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
7yr / 1yr Loan	6.875%	0	6.923%
Details Margin: 2.750%; Caps: 2/2/5 Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.80% → 6.92% ▲ 0.13 pts · high 7.05% / low 6.80% Oct 10, 20266.92%▲ from 6.80% Oct 1, 20266.80%▼ from 7.05% Sep 27, 20267.05%▲ from 6.92% Sep 18, 20266.92%▲ from 6.80% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Credit Builder loan	-	-	5.00%	Maturity
Details See Disclosure Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Line of credit	-	-	12.49%
Details Overdraft Protection; See Disclosure Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 12.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Loan	-	-	7.49%	up to 84 months
Details Published APR range: 7.49% - 11.49%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Pre-owned Loan	-	-	8.49%	up to 180 months
Details Published APR range: 8.49% - 12.49%. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
12-Month IRA Certificate	-	-	4.25%	12 months
Min Deposit $25 Min Balance $25 Details For Traditional and Roth IRAs, the minimum term is 12 months. Coverdell Education IRAs are only available in 12-month terms. Fixed account. Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 3.10% → 4.25% ▲ 1.15 pts · high 4.25% / low 3.10% Oct 10, 20264.25%▲ from 3.10% Sep 22, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Deferred Compensation	0.45%	-	0.45%
Min Deposit $10 Min Balance $1 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 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.
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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

Q2 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 Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Credit Union of Southern California

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.

Current Credit Union of Southern California Rates

12-Month CD4.25%
18-Month CD3.00%
60-Month CD3.00%
Savings0.10%
MMA0.50%

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

Compare to Other Credit Unions

Credit Union of Southern California Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Credit Union of Southern California Texas Ratio

Credit Union of Southern California Health Trend

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Credit Union of Southern California Savings Rates

Credit Union of Southern California Money Market Rates

Credit Union of Southern California Checking Rates

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Credit Union of Southern California Home Equity & HELOC

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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

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?

Current Credit Union of Southern California Rates

Compare to Other Credit Unions