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Advertiser Disclosure
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 South Bay Credit Union Rates & Review October 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 10, 2026
South Bay Credit Union's top rates as of October 10, 2026 are 4.00% APY on its 13 Month IRA CD, 0.65% APY on savings, 3.00% APY on money market accounts, 0.10% APY on checking, 5.50% on its 5/1 Jumbo / High-Balance Adjustable-Rate Mortgage (Arm), and personal loans from 12.50% APR, according to rates verified by MonitorBankRates. Other South Bay Credit Union CD rates include 13 Month CD at 4.00%, 9 Month IRA CD at 3.80%, and 9 Month CD at 3.80%. Other South Bay Credit Union mortgage rates include Jumbo 5/1 ARM at 5.69%, 5/1 Conforming Adjustable-Rate Mortgage (Arm) at 5.50%, and Conforming 5/1 ARM at 5.69%. 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 10/10/2026. 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
There are no reviews for South Bay Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for South Bay Credit Union
Frequently Asked Questions About South Bay Credit UnionHow 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. Current South Bay Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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