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iAdvertiser Disclosure
Advertiser Disclosure
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 South Bay Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
South Bay Credit Union's 13 Month CD rates are at 4.00%, 9 Month CD rates are at 3.80%, 48 Month CD rates are at 3.70%, 60 Month CD rates are at 3.70%, 24 Month CD rates are at 3.65%. South Bay Credit Union's savings rates are at 0.65%. South Bay Credit Union's money market rates are at 3.00%. South Bay Credit Union's checking rates are as high as 0.10%. South Bay Credit Union's 5/1 Jumbo / High-Balance Adjustable-Rate Mortgage (Arm) rates are at 5.50%, 5/1 Conforming Adjustable-Rate Mortgage (Arm) rates are at 5.50%, Conforming 30-Year Fixed rates are at 6.75%, Jumbo / High-Balance 30-Year Fixed rates are at 6.99%. South Bay Credit Union's Personal Loan Rates are as low as 12.50%. South Bay Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of South Bay Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.71%. Rates last updated and verified on 10/30/2026. South Bay Credit Union 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 South Bay Credit Union? Share your experience about South Bay Credit Union by leaving a review below, or read customer reviews before you decide to use South Bay Credit Union. South Bay Credit Union
Redondo Beach 312 N Pacific Coast Hwy
https://southbaycu.com Redondo Beach, CA 90277-2837 Privately insuredNot NCUA Customer Reviews
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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. South Bay Credit Union CD Rates
South Bay Credit Union Savings Rates
South Bay Credit Union Money Market Rates
South Bay Credit Union Checking Rates
South Bay Credit Union Mortgage Rates
South Bay Credit Union Home Equity & HELOC
South Bay Credit Union Auto Loan Rates
South Bay Credit Union Personal Loan Rates
South Bay Credit Union Other Rates
Financial Health HistorySouth Bay Credit Union’s Texas Ratio stayed near 3.73% in Q3 2023 to 3.71% in Q2 2026, so its financial health has stayed very strong over the past 12 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for South Bay Credit Union 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 South Bay Credit Union 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 South Bay Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
South Bay Credit Union
Website
https://southbaycu.com
Address
312 N Pacific Coast Hwy,
Redondo Beach, CA 90277-2837
Phone
310-374-3436
Fax
President
CHRIS OTEY
CEO
PARIS CHEVALIER-BOOCHEE
Full-Time Employees
28
Part-Time Employees
0
Branch Locations
3
ATM Locations
3
NCUA Insured
No, not federally insured
Private Share Insurance
Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.71%
Return on Assets (ROA)
0.0524%
Return on Equity (ROE)
0.5632%
Non-Performing Loans Ratio (NPL)
0.48%
Total Assets
160,574,104
Total Amount of Shares and Deposits
144,139,400
Total Shares and Deposits < 1 Year
140,787,063
Total Shares and Deposits 1 3 Years
2,954,255
Total Shares and Deposits > 3 Years
398,082
Total Interest Expense (Sum of items 6 8)
879,774
Share Certificates
863
Number of Accounts for Share Drafts
7,555
IRA KEOGH Accounts
179
Number of Accounts for Regular Shares
11,140
Money Market Shares
314
Net Income (unless the amount is already included in Undivided Earnings)
84,133
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)
11,603,380
Total Liabilities
146,017,543
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for South Bay Credit Union
Frequently Asked Questions About South Bay Credit UnionDoes South Bay Credit Union offer CDs?Yes. South Bay Credit Union current CD rates include its 13 Month CD at 4.00% APY, its 9 Month CD at 3.80% APY and its 48 Month CD at 3.70% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from South Bay Credit Union NCUA insured?No. South Bay Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account. What is the highest CD rate at South Bay Credit Union?The highest South Bay Credit Union CD rate is its 13 Month CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does South Bay Credit Union offer?South Bay Credit Union CD rates are 3.80% APY for a 9 month CD, 3.60% APY for a 12 month CD, 4.00% APY for a 13 month CD, 3.65% APY for a 2 year CD, 3.70% APY for a 4 year CD and 3.70% 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 South Bay Credit Union for its full lineup. What is the highest savings rate at South Bay Credit Union?The highest South Bay Credit Union savings rate is its High-Yield Savings at 0.65% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at South Bay Credit Union?The highest South Bay Credit Union money market rate is its Premier Money Market at 3.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at South Bay Credit Union?The highest South Bay Credit Union checking rate is its Plus Checking Accounts at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest 30 year fixed mortgage rate at South Bay Credit Union?The lowest South Bay Credit Union 30 year fixed mortgage rate is its Conforming 30-Year Fixed at 6.75%, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at South Bay Credit Union?The lowest South Bay Credit Union auto loan rate is its New Low-Speed Vehicle Loan at 5.24% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at South Bay Credit Union?The lowest South Bay Credit Union personal loan rate is its Personal Line of Credit at 12.50% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does South Bay Credit Union operate?South Bay Credit Union 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 South Bay Credit Union?Yes, to access services at South Bay Credit Union, 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, South Bay Credit Union 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, South Bay Credit Union provides members with tools to manage their accounts and build a solid financial history. Does South Bay Credit Union offer online and mobile banking?Most modern institutions like South Bay Credit Union 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://southbaycu.com. 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 South Bay Credit Union rates compare?South Bay Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. South Bay Credit Union's top rates are its 13 Month CD at 4.00% APY, its High-Yield Savings at 0.65% APY, its Premier Money Market at 3.00% APY, its Plus Checking Accounts at 0.10% APY, its 5/1 Jumbo / High-Balance Adjustable-Rate Mortgage (Arm) at 5.50% and its Personal Line of Credit at 12.50% APR, verified by MonitorBankRates on October 30, 2026. Current South Bay Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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