What are the current interest rates at Southland Credit Union?

Current rates for Southland Credit Union include: 12-Month CD: 2.80%, 18-Month CD: 3.50%, 24-Month CD: 2.95%, 60-Month CD: 3.65%, Savings: 2.30%, MMA: 0.85%

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Southland Credit Union

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Southland Credit Union Rates & Review October 2026

Q: How many branches does Southland Credit Union operate?

Southland 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.

Q: Is a member application needed to join Southland Credit Union?

Yes, to access services at Southland 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.

Q: Is there a first-time homebuyer program?

Currently, Southland 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southland Credit Union 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

Southland Credit Union's top rates as of October 10, 2026 are 3.75% APY on its Jumbo Term CDs 5 Year CD, 2.30% APY on savings, 0.85% APY on money market accounts, 1.80% APY on checking, 5.75% on its 3/6 Mo ARM mortgage, and rv, boat and powersport loans from 9.49% APR, according to rates verified by MonitorBankRates. Other Southland Credit Union CD rates include Term CDs 5 Year at 3.65%, 18-Month New Member CD at 3.50%, and 9-Month New Member CD at 3.50%. Other Southland Credit Union mortgage rates include 5/6 Mo ARM at 5.88%, 7/6 Mo ARM at 6.25%, and 10/6 Mo ARM at 6.75%. MonitorBankRates evaluates the financial stability of Southland Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.49%. Rates last updated and verified on 10/10/2026.

Southland 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 Southland Credit Union? Share your experience about Southland Credit Union by leaving a review below, or read customer reviews before you decide to use Southland Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.49%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Southland Credit Union
Los Alamitos Branch

10701 Los Alamitos Blvd
Los Alamitos, CA 90720

https://www.southlandcu.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.

Southland Credit Union CD Rates

Product	Rate	APY	Term
Jumbo Term Share Certificates 5 Year	3.688%	3.75%	5 Year
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Term Share Certificates 5 Year	3.591%	3.65%	5 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
18-Month New Member Certificate	3.445%	3.50%	18-Month
Min Deposit $1,000 Min Balance $1,000 Details Available to new Southland Members only. Individuals with an existing Southland account under the same Social Security number, or with a closed account within the past 12 months, do not qualify. Limit one certificate per Member/Social Security number. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity. IRA Certificates are available. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
9-Month New Member Certificate	3.445%	3.50%	9-Month
Min Deposit $1,000 Min Balance $1,000 Details Available to new Southland Members only. Individuals with an existing Southland account under the same Social Security number, or with a closed account within the past 12 months, do not qualify. Limit one certificate per Member/Social Security number. Unless otherwise directed, the certificate will automatically roll over into a 6-month certificate upon maturity. IRA Certificates are available. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Jumbo Term Share Certificates 4 Year	3.446%	3.50%	4 Year
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Term Share Certificates 4 Year	3.349%	3.40%	4 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Jumbo Term Share Certificates 3 Year	3.203%	3.25%	3 Year
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Term Share Certificates 3 Year	3.106%	3.15%	3 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Jumbo Term Share Certificates 2 Year	3.009%	3.05%	2 Year
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Term Share Certificates 2 Year	2.911%	2.95%	2 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Jumbo Term Share Certificates 1 Year	2.863%	2.90%	1 Year
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Jumbo Term Share Certificates 6 Month	2.765%	2.80%	6 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Term Share Certificates 1 Year	2.765%	2.80%	1 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Term Share Certificates 6 Month	2.668%	2.70%	6 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	2.277%	2.30%
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to earn standard rate is $10,000. Balances under $10,000 will earn the Primary Savings share rate. To qualify, deposit must be new money to Southland transferred from another financial institution. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 2.05% → 2.30% ▲ 0.25 pts · high 2.30% / low 2.05% Oct 10, 20262.30%▲ from 2.05% Sep 14, 20262.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Health Savings	0.10%	0.10%
Min Deposit $0 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: 10.49%
Holiday Club	0.10%	0.10%
Min Deposit $0 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: 10.49%
IRA Savings	0.10%	0.10%
Min Deposit $0 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: 10.49%
Primary Savings	0.10%	0.10%
Min Deposit $25 Min Balance $25 Details Minimum Deposit and Minimum Balance requirements for Primary Savings Account waived for NEW Members opting to pay a Membership Entrance fee. 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: 10.49%

Southland Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	0.847%	0.85%
Min Deposit $150,000 Min Balance $150,000 Details Tiered Rates earned are based on account balance. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Money Market Accounts	0.798%	0.80%
Min Deposit $100,000 Min Balance $100,000 Details Tiered Rates earned are based on account balance. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Money Market Accounts	0.748%	0.75%
Min Deposit $10,000 Min Balance $10,000 Details Tiered Rates earned are based on account balance. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Money Market Accounts	0.748%	0.75%
Min Deposit $50,000 Min Balance $50,000 Details Tiered Rates earned are based on account balance. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Money Market Accounts	0.698%	0.70%
Min Deposit $2,500 Min Balance $2,500 Details Tiered Rates earned are based on account balance. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 0.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Money Market Accounts	0.45%	0.45%
Min Deposit $0 Min Balance $0 Details Tiered Rates earned are based on account balance. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Checking Rates

Product	Rate	APY
Interest Checking Account	1.786%	1.80%
Min Deposit $0 Min Balance $0 Details Rates are tiered based on balances. Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 1.55% → 1.80% ▲ 0.25 pts · high 1.80% / low 1.55% Oct 10, 20261.80%▲ from 1.55% Oct 1, 20261.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Interest Checking Account	0.10%	0.10%
Min Deposit $10,001 Min Balance $10,001 Details Rates are tiered based on balances. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/6 Mo ARM	5.875%	0.000%	6.109%	60 / 300 Months
Details 5.875% / 6.950% Rate; $5.92 / $6.54 Payment/$1,000 Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 6.00% → 6.11% ▲ 0.11 pts · high 6.25% / low 6.00% Oct 10, 20266.11%▼ from 6.25% Oct 2, 20266.25%▲ from 6.14% Sep 27, 20266.14%▲ from 6.02% Sep 22, 20266.02%▼ from 6.13% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
3/6 Mo ARM	5.75%	0.000%	6.113%	36 / 324 Months
Details 5.750% / 6.950% Rate; $5.84 / $6.57 Payment/$1,000 Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 5.95% → 6.11% ▲ 0.17 pts · high 6.13% / low 5.95% Oct 10, 20266.11%▼ from 6.13% Oct 2, 20266.13%▲ from 6.09% Sep 27, 20266.09%▲ from 5.97% Sep 22, 20265.97%▼ from 6.00% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
7/6 Mo ARM	6.25%	0.000%	6.26%	84 / 276 Months
Details 6.250% / 6.950% Rate; $6.16 / $6.54 Payment/$1,000 Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.13% → 6.26% ▲ 0.13 pts · high 6.63% / low 6.13% Oct 10, 20266.26%▼ from 6.63% Oct 2, 20266.63%▲ from 6.50% Sep 27, 20266.50%▲ from 6.25% Sep 18, 20266.25%▲ from 6.13% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
10/6 Mo ARM	6.75%	0.000%	6.615%	120 / 240 Months
Details 6.750% / 6.950% Rate; $6.49 / $6.59 Payment/$1,000 Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.38% → 6.62% ▲ 0.24 pts · high 6.88% / low 6.38% Oct 10, 20266.62%▼ from 6.88% Oct 2, 20266.88%▲ from 6.75% Sep 27, 20266.75%▲ from 6.50% Sep 18, 20266.50%▲ from 6.38% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
5/5 Yr ARM	6.375%	0.000%	6.982%	60 / 300 Months
Details #VALUE! Rate; #VALUE! Payment/$1,000 Last Updated 10/10/2026 Rate History 5 changes since Sep 14, 2026 · 6.57% → 6.98% ▲ 0.41 pts · high 6.98% / low 6.57% Oct 10, 20266.98%▲ from 6.92% Oct 2, 20266.92%▲ from 6.87% Sep 27, 20266.87%▲ from 6.67% Sep 22, 20266.67%▼ from 6.70% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
30 Year Fixed High-Balance	-	-	7.478%	30 years
Details As low as Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.97% → 7.48% ▲ 0.50 pts · high 7.48% / low 6.97% Oct 2, 20267.48%▲ from 7.35% Oct 1, 20267.35%▲ from 7.10% Sep 18, 20267.10%▲ from 6.97% Sep 14, 20266.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC Advantage	7.00%	-	7.00%	5-Year Fixed Rate
Details Prime + 0% Variable Rate; $50/Waived Annual Fee; Prime Variable Index; Waived Closing Cost; Up to 70.00% LTV/CLTV Advance Policy; $500,000 Maximum Loan Amount Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Home Equity HELOC Advantage	7.25%	-	7.25%	5-Year Fixed Rate
Details Prime + 0.25% Variable Rate; $50/Waived Annual Fee; Prime Variable Index; Waived Closing Cost; 70.01-80.00% LTV/CLTV Advance Policy; $500,000 Maximum Loan Amount Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 18, 20267.25%▲ from 7.00% Sep 14, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loans	-	-	4.74%	36 Months
Details Autopay; 130% MSRP Advance Policy Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49% Sep 27, 20264.74%▲ from 4.49% Sep 18, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loans	-	-	4.74%	48 Months
Details Autopay; 130% MSRP Advance Policy Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49% Sep 27, 20264.74%▲ from 4.49% Sep 18, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loans	-	-	4.74%	60-66 Months
Details Autopay; 130% MSRP Advance Policy Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49% Sep 27, 20264.74%▲ from 4.49% Sep 18, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loans	-	-	4.99%	36 Months
Details without Autopay; 130% MSRP Advance Policy Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49% Oct 10, 20264.99%▲ from 4.74% Sep 27, 20264.74%▲ from 4.49% Sep 18, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loans	-	-	4.99%	48 Months
Details without Autopay; 130% MSRP Advance Policy Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49% Oct 10, 20264.99%▲ from 4.74% Sep 27, 20264.74%▲ from 4.49% Sep 18, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loans	-	-	4.99%	60-66 Months
Details without Autopay; 130% MSRP Advance Policy Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49% Oct 10, 20264.99%▲ from 4.74% Sep 27, 20264.74%▲ from 4.49% Sep 18, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loans	-	-	5.24%	72-78 Months
Details Autopay; 130% MSRP Advance Policy Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.49% Sep 27, 20265.24%▲ from 4.49% Sep 22, 20264.49%▼ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loans	-	-	5.24%	36 Months
Details Autopay; 130% RKBB/JDP Advance Policy Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Sep 27, 20265.24%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loans	-	-	5.24%	60-66 Months
Details Autopay; 130% RKBB/JDP Advance Policy Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Sep 27, 20265.24%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loans	-	-	5.49%	72-78 Months
Details without Autopay; 130% MSRP Advance Policy Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.49% Oct 10, 20265.49%▲ from 5.24% Sep 27, 20265.24%▲ from 4.49% Sep 22, 20264.49%▼ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loans	-	-	5.49%	36 Months
Details without Autopay; 130% RKBB/JDP Advance Policy Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 10, 20265.49%▲ from 5.24% Sep 27, 20265.24%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loans	-	-	5.49%	60-66 Months
Details without Autopay; 130% RKBB/JDP Advance Policy Last Updated 10/10/2026 Rate History 2 changes since Sep 18, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99% Oct 10, 20265.49%▲ from 5.24% Sep 27, 20265.24%▲ from 4.99% Sep 18, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loans	-	-	5.49%	72-78 Months
Details Autopay; 130% RKBB/JDP Advance Policy Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.49% → 5.49% ▼ 0.00 pts · high 5.49% / low 5.24% Sep 27, 20265.49%▲ from 5.24% Sep 18, 20265.24%▼ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loans	-	-	5.74%	84 Months
Details Autopay; 130% MSRP Advance Policy Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49% Sep 27, 20265.74%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loans	-	-	5.74%	72-78 Months
Details without Autopay; 130% RKBB/JDP Advance Policy Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.24% Oct 10, 20265.74%▲ from 5.49% Sep 27, 20265.49%▲ from 5.24% Sep 18, 20265.24%▼ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loans	-	-	5.99%	84 Months
Details without Autopay; 130% MSRP Advance Policy Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 10, 20265.99%▲ from 5.74% Sep 27, 20265.74%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loans	-	-	5.99%	84 Months
Details Autopay; 130% RKBB/JDP Advance Policy Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Sep 27, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loans	-	-	6.24%	84 Months
Details without Autopay; 130% RKBB/JDP Advance Policy Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74% Oct 10, 20266.24%▲ from 5.99% Sep 27, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat, Motorhome & Travel Trailer - New Loan	-	8.75%	180 Months
Details Autopay; 90% MSRP Maximum Terms (120 month loans) Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 9.00% → 8.75% ▼ 0.25 pts · high 9.00% / low 8.75% Oct 1, 20268.75%▼ from 9.00% Sep 27, 20269.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Boat, Motorhome & Travel Trailer - New Loan	-	9.00%	180 Months
Details without Autopay; 90% MSRP Maximum Terms (120 month loans) Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 9.00% → 9.00% ▼ 0.00 pts · high 9.00% / low 8.75% Oct 10, 20269.00%▲ from 8.75% Oct 1, 20268.75%▼ from 9.00% Sep 27, 20269.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Boat, Motorhome & Travel Trailer - Used Loan	-	9.00%	180 Months
Details Autopay; 90% Wholesale Maximum Terms (120 month loans) Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 9.25% → 9.00% ▼ 0.25 pts · high 9.25% / low 9.00% Oct 1, 20269.00%▼ from 9.25% Sep 27, 20269.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Boat, Motorhome & Travel Trailer - Used Loan	-	9.25%	180 Months
Details without Autopay; 90% Wholesale Maximum Terms (120 month loans) Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 9.25% → 9.25% ▼ 0.00 pts · high 9.25% / low 9.00% Oct 10, 20269.25%▲ from 9.00% Oct 1, 20269.00%▼ from 9.25% Sep 27, 20269.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorcycle & Personal Watercraft - New Loan	-	9.49%	84 Months
Details Autopay; 110% MSRP Maximum Terms Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 9.74% → 9.49% ▼ 0.25 pts · high 9.74% / low 9.49% Oct 1, 20269.49%▼ from 9.74% Sep 27, 20269.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorcycle & Personal Watercraft - New Loan	-	9.74%	84 Months
Details without Autopay; 110% MSRP Maximum Terms Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 9.74% → 9.74% ▼ 0.00 pts · high 9.74% / low 9.49% Oct 10, 20269.74%▲ from 9.49% Oct 1, 20269.49%▼ from 9.74% Sep 27, 20269.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorcycle & Personal Watercraft - Used Loan	-	9.74%	84 Months
Details Autopay; 110% Wholesale Maximum Terms Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 9.99% → 9.74% ▼ 0.25 pts · high 9.99% / low 9.74% Oct 1, 20269.74%▼ from 9.99% Sep 27, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorcycle & Personal Watercraft - Used Loan	-	9.99%	84 Months
Details without Autopay; 110% Wholesale Maximum Terms Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 9.99% → 9.99% ▼ 0.00 pts · high 9.99% / low 9.74% Oct 10, 20269.99%▲ from 9.74% Oct 1, 20269.74%▼ from 9.99% Sep 27, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Personal Loan Rates

Product	APR	Term
Motorcycle & Personal Watercraft - New Loan	9.49%	84 Months
Details Autopay; 110% MSRP Maximum Terms Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 9.74% → 9.49% ▼ 0.25 pts · high 9.74% / low 9.49% Oct 1, 20269.49%▼ from 9.74% Sep 27, 20269.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorcycle & Personal Watercraft - New Loan	9.74%	84 Months
Details without Autopay; 110% MSRP Maximum Terms Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 9.74% → 9.74% ▼ 0.00 pts · high 9.74% / low 9.49% Oct 10, 20269.74%▲ from 9.49% Oct 1, 20269.49%▼ from 9.74% Sep 27, 20269.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorcycle & Personal Watercraft - Used Loan	9.74%	84 Months
Details Autopay; 110% Wholesale Maximum Terms Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 9.99% → 9.74% ▼ 0.25 pts · high 9.99% / low 9.74% Oct 1, 20269.74%▼ from 9.99% Sep 27, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Motorcycle & Personal Watercraft - Used Loan	9.99%	84 Months
Details without Autopay; 110% Wholesale Maximum Terms Last Updated 10/10/2026 Rate History 2 changes since Sep 27, 2026 · 9.99% → 9.99% ▼ 0.00 pts · high 9.99% / low 9.74% Oct 10, 20269.99%▲ from 9.74% Oct 1, 20269.74%▼ from 9.99% Sep 27, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Personal Loans - Line of Credit	11.74%	Revolving Maximum Te
Details Term: Revolving Maximum Term Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 11.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Personal Loans - Signature Loan	11.74%	60 Months
Details Minimum advance for closed end signature loans is $1,000. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10 Yr Fixed	6.875%	0.000%	6.918%	10 years
Details Additional APR listed for this product: 7.101%. $11.55 Payment/$1,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.54% → 6.92% ▲ 0.38 pts · high 6.92% / low 6.54% Sep 27, 20266.92%▲ from 6.75% Sep 18, 20266.75%▲ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
10 Yr Fixed	7.00%	-0.250%	7.002%	10 years
Details Additional APR listed for this product: 7.169%. $11.61 Payment/$1,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.54% → 7.00% ▲ 0.46 pts · high 7.00% / low 6.54% Sep 27, 20267.00%▲ from 6.75% Sep 18, 20266.75%▲ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
15 Yr Fixed	6.625%	0.000%	6.85%	15 years
Details $11.42 Payment/$1,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.60% → 6.85% ▲ 0.25 pts · high 6.85% / low 6.60% Sep 27, 20266.85%▲ from 6.75% Sep 18, 20266.75%▲ from 6.60% Sep 14, 20266.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
15 Yr Fixed	6.75%	-0.375%	6.89%	15 years
Details $11.48 Payment/$1,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.60% → 6.89% ▲ 0.29 pts · high 6.89% / low 6.60% Sep 27, 20266.89%▲ from 6.75% Sep 18, 20266.75%▲ from 6.60% Sep 14, 20266.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
15 Yr Fixed	6.875%	0.000%	6.918%	15 years
Details Additional APR listed for this product: 7.036%. $8.92 Payment/$1,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.60% → 6.92% ▲ 0.32 pts · high 6.92% / low 6.60% Sep 27, 20266.92%▲ from 6.75% Sep 18, 20266.75%▲ from 6.60% Sep 14, 20266.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
15 Yr Fixed	7.00%	-0.250%	7.002%	15 years
Details Additional APR listed for this product: 7.101%. $8.99 Payment/$1,000 Last Updated 10/10/2026 Rate History 2 changes since Sep 14, 2026 · 6.60% → 7.00% ▲ 0.40 pts · high 7.00% / low 6.60% Sep 27, 20267.00%▲ from 6.75% Sep 18, 20266.75%▲ from 6.60% Sep 14, 20266.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
20 Yr Fixed	7.125%	0.000%	7.256%	20 years
Details $7.83 Payment/$1,000 Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 7.25% → 7.26% ▲ 0.01 pts · high 7.53% / low 7.25% Oct 10, 20267.26%▼ from 7.51% Oct 2, 20267.51%▼ from 7.53% Sep 27, 20267.53%▲ from 7.38% Sep 18, 20267.38%▲ from 7.25% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
20 Yr Fixed	7.25%	-0.125%	7.365%	20 years
Details $7.90 Payment/$1,000 Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 7.25% → 7.37% ▲ 0.12 pts · high 7.53% / low 7.25% Oct 10, 20267.37%▼ from 7.51% Oct 2, 20267.51%▼ from 7.53% Sep 27, 20267.53%▲ from 7.28% Sep 18, 20267.28%▲ from 7.25% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
20 Yr Fixed	7.625%	0.000%	7.652%	20 years
Details $8.13 Payment/$1,000 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 7.25% → 7.65% ▲ 0.40 pts · high 7.65% / low 7.25% Oct 2, 20267.65%▲ from 7.63% Sep 27, 20267.63%▲ from 7.38% Sep 18, 20267.38%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
20 Yr Fixed	7.725%	-0.500%	7.75%	20 years
Details $8.21 Payment/$1,000 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 7.25% → 7.75% ▲ 0.50 pts · high 7.75% / low 7.25% Oct 2, 20267.75%▲ from 7.63% Sep 27, 20267.63%▲ from 7.38% Sep 18, 20267.38%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
30 Yr Fixed	7.375%	0.000%	7.478%	30 years
Details $6.91 Payment/$1,000 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 7.25% → 7.48% ▲ 0.23 pts · high 7.53% / low 7.25% Oct 2, 20267.48%▼ from 7.53% Sep 27, 20267.53%▲ from 7.38% Sep 18, 20267.38%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
30 Yr Fixed	7.50%	-0.500%	7.552%	30 years
Details $6.99 Payment/$1,000 Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 7.25% → 7.55% ▲ 0.30 pts · high 7.56% / low 7.25% Oct 10, 20267.55%▼ from 7.56% Oct 2, 20267.56%▲ from 7.53% Sep 27, 20267.53%▲ from 7.38% Sep 18, 20267.38%▲ from 7.25% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
30 Yr Fixed	7.625%	0.000%	7.652%	30 years
Details $7.08 Payment/$1,000 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 7.25% → 7.65% ▲ 0.40 pts · high 7.65% / low 7.25% Oct 2, 20267.65%▲ from 7.63% Sep 27, 20267.63%▲ from 7.38% Sep 18, 20267.38%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
30 Yr Fixed	7.725%	-0.500%	7.75%	30 years
Details $7.16 Payment/$1,000 Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 7.25% → 7.75% ▲ 0.50 pts · high 7.75% / low 7.25% Oct 2, 20267.75%▲ from 7.63% Sep 27, 20267.63%▲ from 7.38% Sep 18, 20267.38%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Pick Your Term	3.445%	-	3.50%	9-Month
Min Deposit $1,000 Min Balance $1,000 Details IRA Certificates are available. Unless otherwise directed, the certificate will automatically roll over into a 6-month certificate upon maturity. Rates Effective 04/27/2026. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Pick Your Term	3.445%	-	3.50%	18-Month
Min Deposit $1,000 Min Balance $1,000 Details IRA Certificates are available. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity. Rates Effective 04/27/2026. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

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

Southland Credit Union’s Texas Ratio rose from 4.43% in Q3 2023 to 10.49% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$1.3B	10.49%	5.0	A
March 31, 2026	$1.3B	3.71%	5.0	A+
December 31, 2025	$1.3B	6.03%	5.0	A
September 30, 2025	$1.3B	7.10%	5.0	A
June 30, 2025	$1.3B	8.89%	5.0	A
March 31, 2025	$1.3B	4.36%	5.0	A+
December 31, 2024	$1.3B	4.40%	5.0	A+
September 30, 2024	$1.2B	3.87%	5.0	A+
June 30, 2024	$1.2B	4.15%	5.0	A+
March 31, 2024	$1.2B	3.55%	5.0	A+
December 31, 2023	$1.2B	3.61%	5.0	A+
September 30, 2023	$1.1B	4.43%	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 Southland 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 Southland 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 Southland Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Southland Credit Union

Website https://www.southlandcu.org

Address 10701 Los Alamitos Blvd, Los Alamitos, CA 90720

Phone 562-862-6831

Fax 866-602-5980

President Walter Finnigan

CEO Deena Otto

Full-Time Employees 164

Part-Time Employees 11

Branch Locations 9

ATM Locations 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.49%

Return on Assets (ROA)

0.1611%

Return on Equity (ROE)

1.8932%

Non-Performing Loans Ratio (NPL)

1.48%

Total Assets

1,308,174,025

Total Amount of Shares and Deposits

1,051,515,739

Total Shares and Deposits < 1 Year

980,266,175

Total Shares and Deposits 1 3 Years

58,908,744

Total Shares and Deposits > 3 Years

12,340,821

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

84,474,273

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

84,474,273

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

967,041,466

Total Interest Expense (Sum of items 6 8)

10,180,373

Share Certificates

6,336

Number of Accounts for Share Drafts

48,824

IRA KEOGH Accounts

1,439

Number of Accounts for Regular Shares

81,591

All other shares

Non Member Deposits

Money Market Shares

2,880

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)

153,171,739

Total Liabilities

1,219,986,034

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Southland Credit Union 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.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Southland Credit Union

How many branches does Southland Credit Union operate?

Southland 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 Southland Credit Union?

Yes, to access services at Southland 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, Southland 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, Southland Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Southland Credit Union offer online and mobile banking?

Most modern institutions like Southland 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://www.southlandcu.org.

Current Southland Credit Union Rates

12-Month CD2.80%
18-Month CD3.50%
24-Month CD2.95%
60-Month CD3.65%
Savings2.30%
MMA0.85%

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

Compare to Other Credit Unions

Southland Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Southland Credit Union Texas Ratio

Southland Credit Union Health Trend

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Southland Credit Union Money Market Rates

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Southland Credit Union Home Equity & HELOC

Southland Credit Union Auto Loan Rates

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Southland Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Southland Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Southland Credit Union

How many branches does Southland Credit Union operate?

Is a member application needed to join Southland Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Southland Credit Union offer online and mobile banking?

Current Southland Credit Union Rates

Compare to Other Credit Unions