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Credit Union of Southern California Credit Union Rates & Review April 2026

Credit Union of Southern California Credit Union's 4-Month CD rates are at 7.00%, 1 Month CD rates are at 3.50%, 1 Month CD Rewards+ Loyalty Program rates are at 3.50%, 12 Month CD rates are at 3.50%, 12 Month CD Rewards+ Loyalty Program rates are at 3.50%. Credit Union of Southern California Credit Union's savings rates are at 0.10%. Credit Union of Southern California Credit Union's Jumbo Adjustable Rate Mortgage (ARM) Rate 5/1 ARM rates are at 5.50%, 5/1 ARM rates are at 5.50%, 10-Year Fixed rates are at 5.50%, Jumbo Adjustable Rate Mortgage (ARM) Rate 5/5 ARM rates are at 5.62%, 5/5 ARM rates are at 5.62%. Credit Union of Southern California Credit Union's Personal Loan Rates are at 7.24%. MonitorBankRates evaluates the financial stability of Credit Union of Southern California Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.57%. Rates were last updated on 04/09/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.57%
Excellent Lower than avg
Credit Union of Southern California Credit Union
Corporate Office
8101 E Kaiser Blvd
Anaheim, CA 92808 2243
https://www.cusocal.org
Member NCUA

Credit Union of Southern California Credit Union CD Rates

Product Rate APY Term View More
4-Month Share Certificate - 7.00% 4
Min Deposit $500
Details Offer available to CU SoCal Members over the age of 18 with a Rewards Checking Account; Promotional rate of 7.00% APY for 4 months valid April 1 - April 30, 2026.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
1 Month Certificate 3.45% 3.50% 1
Min Deposit $7,500
Min Balance $7,500
Details Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
1 Month Certificate Rewards+ Loyalty Program 3.45% 3.50% 1
Min Deposit $7,500
Min Balance $7,500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
12 Month Certificate 3.45% 3.50% 12
Min Deposit $500
Min Balance $500
Details Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
12 Month Certificate Rewards+ Loyalty Program 3.45% 3.50% 12
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
18 Month Certificate 3.45% 3.50% 18
Min Deposit $500
Min Balance $500
Details Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
18 Month Certificate Rewards+ Loyalty Program 3.45% 3.50% 18
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
24 Month Certificate 3.45% 3.50% 24
Min Deposit $500
Min Balance $500
Details Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
24 Month Certificate Rewards+ Loyalty Program 3.45% 3.50% 24
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
36 Month Certificate 3.45% 3.50% 36
Min Deposit $500
Min Balance $500
Details Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
36 Month Certificate Rewards+ Loyalty Program 3.45% 3.50% 36
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
48 Month Certificate 3.45% 3.50% 48
Min Deposit $500
Min Balance $500
Details Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
48 Month Certificate Rewards+ Loyalty Program 3.45% 3.50% 48
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
60 Month Certificate 3.45% 3.50% 60
Min Deposit $500
Min Balance $500
Details Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
60 Month Certificate Rewards+ Loyalty Program 3.45% 3.50% 60
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
3 Month Certificate 3.20% 3.25% 3
Min Deposit $500
Min Balance $500
Details Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
3 Month Certificate Rewards+ Loyalty Program 3.20% 3.25% 3
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
6 Month Certificate 3.20% 3.25% 6
Min Deposit $500
Min Balance $500
Details Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
6 Month Certificate Rewards+ Loyalty Program 3.20% 3.25% 6
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
12 Month Certificate 3.06% 3.10% 12
Min Deposit $500
Min Balance $500
Details Non-Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
12 Month Certificate Non-Rewards+ Loyalty Program 3.06% 3.10% 12
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
18 Month Certificate 3.06% 3.10% 18
Min Deposit $500
Min Balance $500
Details Non-Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
18 Month Certificate Non-Rewards+ Loyalty Program 3.06% 3.10% 18
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
6 Month Certificate 2.96% 3.00% 6
Min Deposit $500
Min Balance $500
Details Non-Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
6 Month Certificate Non-Rewards+ Loyalty Program 2.96% 3.00% 6
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
60 Month Certificate 2.96% 3.00% 60
Min Deposit $500
Min Balance $500
Details Non-Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
60 Month Certificate Non-Rewards+ Loyalty Program 2.96% 3.00% 60
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
24 Month Certificate 2.81% 2.85% 24
Min Deposit $500
Min Balance $500
Details Non-Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
24 Month Certificate Non-Rewards+ Loyalty Program 2.81% 2.85% 24
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
36 Month Certificate 2.81% 2.85% 36
Min Deposit $500
Min Balance $500
Details Non-Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
36 Month Certificate Non-Rewards+ Loyalty Program 2.81% 2.85% 36
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
48 Month Certificate 2.81% 2.85% 48
Min Deposit $500
Min Balance $500
Details Non-Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
48 Month Certificate Non-Rewards+ Loyalty Program 2.81% 2.85% 48
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
3 Month Certificate 2.57% 2.60% 3
Min Deposit $500
Min Balance $500
Details Non-Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
3 Month Certificate Non-Rewards+ Loyalty Program 2.57% 2.60% 3
Min Deposit $500
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
1 Month Certificate 0.10% 0.10% 1
Min Deposit $7,500
Min Balance $7,500
Details Non-Rewards+ Loyalty Program
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
1 Month Certificate Non-Rewards+ Loyalty Program 0.10% 0.10% 1
Min Deposit $7,500
Min Balance $7,500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%

Credit Union of Southern California Credit Union Savings Rates

Product Rate APY View More
Holiday Saver 0.30% 0.30%
Min Balance $1
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Summer Saver 0.30% 0.30%
Min Balance $1
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Regular Savings 0.10% 0.10%
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Sub-Savings/IRA Savings 0.10% 0.10%
Min Balance $500
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%

Credit Union of Southern California Credit Union Checking Rates

Product Rate APY View More
Rewards Checking 0.10% 0.10%
Min Balance $0
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%

Credit Union of Southern California Credit Union Mortgage Rates

Product Rate Points APR Term View More
Jumbo Adjustable Rate Mortgage (ARM) Rate 5/1 ARM 5.50% 0 5.52%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
5/1 ARM 5.50% 0 5.54%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
10-Year Fixed 5.50% 0 5.61%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Jumbo Adjustable Rate Mortgage (ARM) Rate 5/5 ARM 5.63% 0 5.65%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
5/5 ARM 5.63% 0 5.67%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Jumbo Adjustable Rate Mortgage (ARM) Rate 7/1 ARM 5.75% 0 5.77%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
15-Year Fixed 5.75% 0 5.79%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Jumbo Fixed Rate 15-Year Fixed 5.75% 0 5.79%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
7/1 ARM 5.75% 0 5.80%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
15-Year Fixed 5.75% 0 5.83%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
20-Year Fixed 6.00% 0 6.06%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
30-Year Fixed 6.38% 0 6.40%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Jumbo Fixed Rate 30-Year Fixed 6.38% 0 6.40%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
30-Year Fixed 6.38% 0 6.42%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
15-Year Fixed High Balance 6.38% 0 6.43%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
30-Year Fixed High Balance 7.00% 0 7.03%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%

Credit Union of Southern California Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC - - 3.99%
Details Intro rate expires: 12 months; Regular APR: as low as 4.036%; APR is a variable rate. This HELOC has a 10 year draw period with interest only payments and your principal balance will not decrease. After this period, payments will include both principal and interest and may be higher.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Home Equity Line of Credit - - 3.99%
Details Intro rate expires: 12 mos.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Home equity line of credit - - 6.76%
Details As Low As; Up to $500,000, Max CLTV 70%
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Home equity line of credit - - 6.76%
Details As Low As; Up to $250,000, Max CLTV 80%
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Home equity loan 7.50% 0 7.63% Up to 15 Years
Details Up to $250,000; Max CLTV 80%
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Home equity loan 7.75% 0 7.86% Up to 20 Years
Details Up to $250,000; Max CLTV 80%
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%

Credit Union of Southern California Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - - 2.00%
Details As Low As; Lower your auto loan rate up to 2% APR
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Auto Loan - - 4.74%
Details As Low As
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%

Credit Union of Southern California Credit Union Credit Card Rates

Product Rate APR View More
CU SoCal Topaz Visa Credit Card - 10.40%
Details Regular APR: 10.40% - 17.40%
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
CU SoCal Platinum Rewards Visa - 12.40%
Details Regular APR: 12.40% - 17.90%
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Share Secured Visa Platinum Rewards - 17.90%
Details Regular APR: 17.90%
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%

Credit Union of Southern California Credit Union Personal Loan Rates

Product Rate APR View More
New Personal Watercraft - 7.24%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
New Personal Watercraft - 11.24%
No additional details.
Last Updated 04/09/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Credit Union of Southern California 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 Credit Union of Southern California 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 Credit Union of Southern California Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union of Southern California Credit Union
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 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
2.57%
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
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

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Frequently Asked Questions About Credit Union of Southern California Credit Union

Is Credit Union of Southern California Credit Union a safe place to deposit money?

Yes, Credit Union of Southern California Credit Union is considered a safe financial institution. With a Texas Ratio of 2.5741981098043%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Credit Union of Southern California Credit Union operate?

Credit Union of Southern California 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 Credit Union of Southern California Credit Union?

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

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

Most modern institutions like Credit Union of Southern California 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.cusocal.org.

Current Credit Union of Southern California Credit Union Rates

  • 12-Month CD3.10%
  • 18-Month CD3.10%
  • 24-Month CD2.85%
  • 60-Month CD3.00%
  • Savings0.10%
Retrieved from our database of financial products. Rates subject to change.