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How to Save for Your Financial Future Right Now

  1. Open a 4.5% APY Share Certificate for 3, 6, or 12 months. Learn More.
  2. For a limited time, you’ll earn a chance to win $250 cash with every $25 deposit you make. Learn More.
  3. Set up Direct Deposit and put your savings on auto pilot with recurring deposits. See the “Setup Direct Deposit” widget in Digital Banking.

more than

8 253,900
donated to local charities in 2023

Earn $50 When You Refer a New Member.

Earn $50 when you refer a new Member who opens a qualified checking account or loan.1

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more than

new Members have been referred to CU SoCal by family and friends since March 2021. Click here to refer a Member.

Open Your CU SoCal Account Today!

Our Members enjoy great rates, low fees, and exceptional service. Membership at Credit Union of Southern California (CU SoCal) is available to anyone who lives, works, or attends school or religious services in Orange, Los Angeles, Riverside, or San Bernardino Counties. Our online application is fast and easy, or you can open your account in any branch location. Experience the CU SoCal difference!

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Accounts for Children Up To 18

Please be advised you must be at least 18 years of age to open a CU SoCal account through our website. CU SoCal offers UTMA accounts for children up to 12, and a minor account can be opened for children aged 13-17. In both cases, the account must be opened in person, as a parent or guardian must be present. Please note children up to 13 cannot have a checking or debit card. For more information on accounts for minors, please call 866.287.6225 or visit your local CU SoCal branch.

Get 24/7 Online Access To Your Account

We offer some of the best Online Banking services in the industry, both through desktop and mobile app.

To get started, visit our Online Banking page to register and access your account from your desktop. Visit Mobile Banking to download our Mobile Banking app to access your accounts from your phone or other mobile device.

You can make transfers, pay bills, deposit checks, locate nearby branches, and much more, all from the convenience of your desktop computer or mobile device.

Make it happen at the speed you need.

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Online and Mobile Access

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Mobile Check Deposit

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Find branch hours, services, directions, and more.

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Nationwide Branch Access
and more ATMs than Chase, BofA, and Wells.

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Creating exceptional Member experiences is at the forefront of our mission.

- Excellent service is something that we expect when we go places or when we do something, but an exceptional experience is something that just wows us.

- I would describe creating an exceptional member experience as an experience that you provide a member with something that they were not expecting. You blew it out of the ballpark, and you gave 'em an experience and a memory that they won't forget.

- I would define exceptional experience as creating a feeling for that member. Did I make them feel valued? Did I satisfy their needs and also, you know, have them leave with a sense of "They made me feel like I'm family, I'm not just another customer or member."

- When it comes to ensuring that I'm creating an exceptional experience, not being an order taker, but being a consultant. So, what is it that they're actually needing? Because I'm the specialist. They don't necessarily know what they need when they walk in, right? We're trained. We know what we're supposed to look for. We know that we're supposed to read between the lines. But what are we doing to look beyond what they think they need, to actually create an exceptional experience that's tailored just to that member in that moment?

- I know most of my members. I've been there 13 years and I remember their family members. I remember when they bought their dog or their daughter got married. I take my job really to heart, so I might be having the worst morning, but as soon as I walk through that door, I leave that at the door because our members come for, they pay my check, they helped me buy my home, they helped me buy a couple cars. So I owe them that.

- No matter what's going on with the member, I always try to find out what I can do to make it better. No matter what it is. If the member seems like you can't turn it around, no there's a way I can turn this around. What can I do? And I smile just like this and I let the member know, like I'm here to help you. You know, like what's going on? This is a personal relationship. It's not like I work at a big bank. I work at a credit union. I know you.

- We're not there to just do the transaction for them, but we're their counselor, their you know comforter, we're a financial planner. We want the best for them. They're our friend.

- The experience to me, I take it so personal and it makes me feel like, wow I really made a difference, you know? And that member, how they feel, makes me feel so good. And then at night, I just wanna share that with my family.

- When I provide exceptional member experience, I feel amazing. I feel like when I walk through those doors and I'm coming to a company that I really like to work for and that has a culture that allows me to be myself, I feel amazing.

- Knowing that that member was taken care of, it goes a long ways. I'm with an organization that really cares about the members, Makes you wanna go to work every single day.

- I actually had a recent member that, he was going through some hard times. He was on disability, money was tight, he lent his vehicle to one of his friends, and he, you know unfortunately he totaled his vehicle. So he came in, we had a preapproval for him, and it was amazing because he literally looked at me, he goes, "People like me don't get approved." And I looked him, "No," I was like, "well you're preapproved for 20,000 Mr. Coleman." And we sat him down, we submitted an application. Two days later he came back and he goes, "Come outside, I wanna show you my vehicle." And he was so happy to show me his vehicle and we gave him an extra $50 gas card to fill up his tank too. So he was, he comes in all the time, he goes, "I love my credit union." So I think those are the moments that really, I find satisfaction in because we truly do care for our members here. So I think that's where I get the motivation to continue delivering that exceptional service for the members.

- We're gonna read some of the feedback from our members. "I always feel respected no matter the amount of savings I have and that's one thing I love about CU SoCal." Someone told us the other day, "Oh you see that we're one of the poorer members." And I said, "We don't see who you are by your account, we see who you are as a person."

- "I'm an elderly person that doesn't know the new technology of today. I call whenever I get stuck with the computer and I know someone is there to help me. Thank you for all the training you have given your personnel. I can tell that they're helping me with love and devotion to their job. " This right here is just a stamp of approval of what we're doing. That's really gratifying to me.

- "CU SoCal is very friendly and very helpful. They don't just treat you nice, they treat you like family." Aw, that how I feel.

- It makes me feel like we are really helping the community. We do this for them, so it's a happy feeling . It's a very happy feeling.

- Because we create experiences like this for our members, it enables me to and encourages me to wanna come to work and give my best everyday. I hope that I'm truly able to pay that forward and that I share that with my members.

- I am CU SoCal.

- I am CU SoCal.

- I am CU SoCal.

- I am CU SoCal.

- I am CU SoCal.

- We are all CU SoCal.

Hear from others like you who made it happen.

I am so glad I switched to CU SoCal. I don't have to pay all of the fees my other bank charged me and CU SoCal helped me pay off my debt too!
Ryan, Member since 2016
CU SoCal's mobile app is really easy to use. It's nice to know we can quickly deposit checks, pay bills, and transfer money anytime.
Carol and Michael, Members since 1989
When we fell in love with our first home, CU SoCal's mortgage team emailed us our pre-approval letter while we were still viewing the property. We got approved for a great low rate, and the team worked hard to ensure everything closed on time.
Paul and Rebecca, Members since 2010
My experience with CU SoCal has been wonderful. CU SoCal saved me money on my home and car loans. Online Banking is convenient and allows me to pay my bills easily. But most of all, I love that the staff recognizes me and calls me by name.
Jo Ann, Member since 1980

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Make it happen.

If you live, work, worship or attend school in Los Angeles County, Orange County, Riverside County, or San Bernardino County we can make your plans a reality.

Frequently Asked Questions (FAQs) for Credit Unions

Credit unions, including the Credit Union of Southern California (CU SoCal), are not for profit organizations that are financial cooperatives owned by their Members. Typically the offer lower fees and better rates than banks, because their goal is to provide affordable credit and financial services to their Members, not create profit for shareholders.
Learn more about credit unions and how they work.
Banks operate for profit and anyone can conduct business with them. Credit unions, including CU SoCal, are not for profit and offer their services only to their Member-owners. While some credit unions serve certain groups (such as teachers, union workers or employees of a certain company), CU SoCal has broader criteria for new Members, which means anyone who lives, works, attends school or religious services in Los Angeles, Orange, Riverside or San Bernardino County can apply for Membership. Here are some other ways that credit unions and banks are different.
Just like banks, credit unions are federally insured. Banks are insured by the Federal Deposit Insurance Corporation (FDIC) and credit unions are federally insured by the National Credit Union Administration (NCUA), making them just as safe as traditional banks. The National Credit Union Insurance Fund (NCUSIF) is assigned to provide insurance of up to $250,000 per account to any credit union.
The National Credit Union Administration (NCUA) is an independent agency created by the U.S. government to regulate and protect credit unions and their owners. Just like the FDIC, the NCUA insures up to $250,000 to all credit union members and provides protection in the event of a credit union failure. The NCUA is presided over by a three-member board, appointed by the United States President and confirmed by the Senate. The selected members belong to different political parties, and each member serves for a term of six years.
Yes, credit unions are not for profit organizations owned and controlled by the Members who use their services. Credit unions operate to promote the well-being of their Members. Profits made by credit unions are returned back to Members in the form of reduced fees, higher savings rates, and lower loan rates.
There are many advantages to banking at a credit union. Higher returns, better savings rates, low or no fee loans, low interest on loans, and a sense of community, are just a few of the benefits of Membership at CU SoCal. Our Members also have access to 30,000+ free ATMs through the CO-OP Network.
CU SoCal can help individuals build and fix their credit score. Because credit unions are not for profit, we can offer member benefits that can directly and indirectly build an individual’s credit score. For example, CU SoCal offers a Credit Builder Loan created to help Members raise their credit score.
For over 60 years CU SoCal, has been providing financial services, including many types of loans such as mortgages, Home Equity Loans, HELOCs, car loans, personal loans, investment property loans, credit builder loans, and other banking products, to those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County.
Give us a call today at 866.287.6225 today to schedule a no obligation consultation with one of our loan specialists.
Because CU SoCal is a not for profit establishment, we set aside some of the earnings to cover operational costs, and the rest is used to create low interest loans for our Members. We also offer long payback periods, lower fees, and discounts when installments are paid on time, all of which makes it cheaper to borrow money from CU SoCal. Read more about the benefits of CU SoCal loans.
Anyone who lives, works, attends school or religious services in Los Angeles, Orange, San Bernardino or Riverside County can join Credit Union of Southern California. Join now online
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Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.


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