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 Credit Union of Southern California Rates & Review September 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: September 22, 2026
Credit Union of Southern California's 12-month CD rates are at 4.25%, 24 Month CD rates are at 4.25%, 36 Month CD rates are at 4.25%, 48 Month CD rates are at 4.25%, 60 Month CD rates are at 4.25%. Credit Union of Southern California's savings rates are at 0.10%. Credit Union of Southern California's Jumbo Adjustable Rate Mortgage (ARM) Rate - 5/1 ARM rates are at 6.12%, 5/1 ARM rates are at 6.12%, Adjustable-rate mortgage rates - 5/1 ARM rates are at 6.12%, Jumbo Adjustable Rate Mortgage (ARM) Rate - 5/5 ARM rates are at 6.25%, 5/5 ARM rates are at 6.25%. Credit Union of Southern California's RV, Boat and Powersport Loan Rates are as low as 7.24%. Credit Union of Southern California's Credit Card Rates are at 10.40%. 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 2.43%. Rates last updated and verified on 09/22/2026. 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. Credit Union of Southern California
Corporate Office 8101 E Kaiser Blvd
https://www.cusocal.org Anaheim, CA 92808 2243 
Credit Union of Southern California CD Rates
Credit Union of Southern California Savings Rates
Credit Union of Southern California Checking Rates
Credit Union of Southern California Mortgage Rates
Credit Union of Southern California Home Equity & HELOC
Credit Union of Southern California Auto Loan Rates
Credit Union of Southern California RV, Boat and Powersport Loan Rates
Credit Union of Southern California Credit Card Rates
Credit Union of Southern California Personal Loan Rates
Credit Union of Southern California Other Rates
Financial Health HistoryCredit Union of Southern California’s Texas Ratio stayed near 2.31% in Q2 2023 to 2.43% in Q3 2025, so its financial health has stayed very strong over the past 10 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 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
Chris George
CEO
Dave Gunderson
Full-Time Employees
471
Part-Time Employees
32
Branch Locations
25
ATM Locations
18
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.43%
Return on Assets (ROA)
0.6956%
Return on Equity (ROE)
5.9839%
Non-Performing Loans Ratio (NPL)
0.53%
Total Assets
3,645,329,468
Total Amount of Shares and Deposits
2,978,683,154
Total Shares and Deposits < 1 Year
2,889,705,188
Total Shares and Deposits 1 3 Years
61,799,365
Total Shares and Deposits > 3 Years
27,178,601
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
183,593,927
Total Uninsured Shares and Deposits > $250K (F+J)
183,593,927
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,795,089,227
Total Interest Expense (Sum of items 6 8)
42,868,248
Share Certificates
23,760
Number of Accounts for Share Drafts
121,409
IRA KEOGH Accounts
5,015
Number of Accounts for Regular Shares
226,174
All other shares
8
Non Member Deposits
16
Money Market Shares
15,603
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)
180,601,645
Total Liabilities
3,395,587,578
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
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Frequently Asked Questions About Credit Union of Southern CaliforniaHow 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
Retrieved from our database of financial products. Rates subject to change.
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