CONNECTIONA Publication for Members ofWINTER 2026 CUSoCalMAKEA MORE REWARDING YEAR!PICK BETWEEN 6 OR 12 MONTHSEARN 4%APY1 ON NEW FUNDSLIMITED TIME CERTIFICATEPICK YOUR TERM!RATES AS LOW AS 5.09%APR2FOR 60 MONTHSAUTO LOAN
SAVE BIG. DRIVE EASY.Dave Gunderson President/CEOMAKE 2026 A MORE REWARDING YEAR 1. APY = Annual Percentage Yield. APY assumes dividends remain on deposit until maturity; early withdrawals will reduce earnings. The minimum certificate opening deposit is $1,000 new funds (defined as money not currently on deposit with CU SoCal); and funds must be received by March 26, 2026. New Member online deposits must originate from an external (non-CU SoCal) account. Promotional certificate deposits via CU SoCal ACH transfers must remain on balance in account for a minimum of 60 days or additional penalties will apply. We may impose a penalty if you withdraw the principal from your certificate account before the maturity date. The penalty will be 60 days of dividends on the amount withdrawn. If the amount withdrawn reduces the principal balance below the stated minimum, you will be assessed a penalty on the entire principal balance and we will close the certificate account and transfer any remaining balance to your Regular Savings Account. Certificate automatically renews to a 6 or 12 -month term at maturity based on your original account selection provided at account opening. Renewal APY will be based on your CU SoCal relationship at the time of renewal and at the then-current APY. Visit CUSoCal.org/Rates for details. Offer subject to change without notice.2. The Annual Percentage Rate=APR disclosed reflect CU SoCal's best available rate and includes a 0.50% discount when you have at least $750 monthly direct deposit to CU SoCal and an additional 0.25% discount as a Rewards+ Loyalty Program Member. Your APR may vary based on your creditworthiness, loan amount, and loan term. If discount requirements are not met or are discontinued, the APR will be higher. Financing is available up to 120% of Kelley Blue Book retail value, inclusive of tax, license, and optional CU SoCal GAP and Mechanical Repair Coverage, subject to credit approval and underwriting guidelines. Vehicles less than two years old with up to 10,000 miles are classified as new; vehicles less than ten years old with up to 120,000 miles are classified as preowned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. Payment factor is based on maximum term and calculated per $1,000 financed. Direct deposit discount is applied at the time of loan funding. Rewards+ discount applied within 30 days of verification of applicant meeting qualification requirements. Discounts remain in effect for the life of the loan unless qualifying conditions are discontinued. Additional terms and conditions may apply; consult a CU SoCal representative for details. Rate subject to change without notice. PICK BETWEEN 6 OR 12 MONTHSEARN 4%APY1 ON NEW FUNDSLIMITED TIME CERTIFICATEPICK YOUR TERM!RATES AS LOW ASAUTO LOANOpen a share certificate or apply for an auto loan using Quick Apply in Digital Banking, visit any CU SoCal branch, or call 866.287.6225.Offer Valid January 14-March 18, 20265.09%APR2 FOR 60 MONTHSAs we begin a new year, I want to express my sincere appreciation for your continued trust and Membership with Credit Union of Southern California (CU SoCal). Your partnership enables us to fulfill our mission of building better lives through exceptional Member experiences, and we are deeply grateful for the opportunity to serve you.This year we’re rolling out additional Member benefits designed specifically to give you even more ways to save, earn, and get rewarded. From competitive certificate specials and auto loan discounts to enhanced Rewards Checking features, each is built to support your financial well-being. I invite you to explore this newsletter to discover how you can start 2026 with even more value from your credit union.We’re also excited to share an important milestone in CU SoCal’s history: we have officially converted to a federal charter. While this change broadens our ability to grow and expand access to our financial services, nothing changes about how you bank with us—your accounts, access, and trusted service all remain the same. This step strengthens our long-term commitment to serving you and supporting our communities for years to come. Thank you for being part of this exciting next chapter.This quarter also represents an important transition in how we communicate with you. This will be the final printed edition of our Member newsletter. Beginning in April, CU Connection will be available exclusively online. A digital format enables faster access to information, increases convenience for Members, and allows for timely updates when new or important information becomes available.To access future editions of CU Connection, please visit CUSoCal.org, select “More,” then locate “Resources,” and click “CU Connection Newsletter.” You'll also receive the latest newsletter via email.Thank you for your continued loyalty and for choosing CU SoCal as your trusted financial partner. We look forward to serving you in the year ahead and to making 2026 your most rewarding year yet.
Earn more with higher savings rates on Soar Money Market and Share Certificate accountsSave with an auto loan rate discountKeep more with select fee waiversGet rewarded with an annual Dream Points® bonusLearn how to become a Rewards+ Loyalty Member:CUSoCal.org/RewardsPlus“Right out of high school, this credit union gave me the start I needed to build my financial life. I established my credit history with a Credit Builder Loan, leveled up to a credit card, and now I’ve got direct deposit and a share certificate. I use the Mobile Banking App for everything, including sending money with Zelle®. Thank you for having my back!” — Marcus T., Member since 2021QUESTIONHi Value-Seeker in Villa Park—great question! Here are a few CU SoCal favorites that our Members tell us make their financial lives easier, more convenient, and more rewarding:1. Direct Deposit If you like things fast and hassle-free, direct deposit is a game changer. Your paycheck goes straight into your account—no checks to track, no branch visits—and you can even get paid up to two days early. Learn more: CUSoCal.org/Direct-Deposit2. Credit Score and More Keeping an eye on your credit doesn’t have to be stressful. With this free tool in Online and Mobile Banking, you can check your real-time score anytime, understand what’s helping (or hurting) it, and even dispute errors right from your phone or laptop. Learn more: CUSoCal.org/Credit-Score-and-More3. Mobile Banking App Whether you're paying bills, transferring money, or sending cash with Zelle®, our Mobile Banking App makes managing your money quick and easy. With more than 43,000 reviews and a 4.85-star rating, it’s a Member favorite for staying on top of everyday finances. Learn more: CUSoCal.org/Mobile-Banking4. Credit Builder LoanWorking on building or rebuilding your credit? This loan is designed to help you establish positive payment history with manageable monthly payments. Many Members see improvements to their credit score once they’ve completed payments. Learn more: CUSoCal.org/Credit-BuilderWhether you’re managing day-to-day finances, tracking your credit, or reaching new financial goals, we’re here to help every step of the way!What are some of CU SoCal’s most useful products?— Value-Seeker in Villa ParkThe best way to reap the benefits of your Membership is by becoming a Rewards+ Loyalty Member! Our Rewards+ Loyalty Program1 gives significant financial benefits just for being an engaged Member. As a Rewards+ Loyalty Member, you can:Track your progress with the Rewards+ Loyalty widget (under “Accounts”) in Online or Mobile Banking and see how rewarding your CU SoCal Membership can be!MAKE THIS YEAR EVEN MORE REWARDING WITH REWARDS+ LOYALTY PROGRAM1. The monthly Rewards Checking fee will be waived for any month in which the account qualifies for Rewards+ Loyalty Program benefits. The auto loan discount begins the month you qualify for Rewards+ Loyalty Program benefits. If you qualify at the time of funding, the discount will be applied on the following business day. Rates cannot fall below the current floor rate. The higher dividend rate for the Soar Money Market Account applies only during months you qualify as an active Rewards+ Member. The higher dividend rate for Share Certificates is available only for new certificates opened while you are an active Rewards+ Member. Once a certificate is opened, the rate is fixed for the term, regardless of changes to your Rewards+ Loyalty Program status. Upon maturity, renewal rate options will be based on your Rewards+ Loyalty Program Membership status at that time. To qualify, required Signature and/or POS-based transactions must post to the account by the last day of the month; ATM transactions are excluded. Bonus Dream Points for qualifying months will be credited annually within 60 days following the account-opening anniversary date. To receive annual bonus points, Members must maintain a Rewards Checking Debit Card or a Platinum Rewards Visa® Credit Card. Members must be in good standing to qualify for Rewards+ Loyalty Program benefits. Program terms are subject to change without notice.
Refer today at CUSoCal.org/CareToShare Members 12 years and older are invited to join us for light refreshments while hearing credit union highlights from our President/CEO.Tuesday | March 24 | 4 p.m.Brea Community Center, 695 E. Madison WayRSVP by March 17 To RSVP, visit CUSoCal.org/AnnualMeeting, email [email protected], or call 866.287.6225.ANNUAL MEETINGSHARE THE REWARDS—EARN $50 WHEN YOU REFER A FRIEND!You’ve experienced the benefits of CU SoCal Membership—why not share them? When you refer a friend or family member who becomes a new Member, opens a qualified Rewards or Classic Checking Account, and sets up a minimum monthly direct deposit of $750, you’ll each receive $50.1SEMINARS & WEBINARSHOMEBUYINGFINANCIALBecome an Informed Homebuyer—Jan.17 & 24Saving with a Purpose—Jan. 13Ten Steps to Improve Financial Wellness—Jan. 6Saving with a Purpose—Feb. 21On the Road to Riches—Feb. 3Drive Away Happy—Mar. 10SEMINARSEMINARSEMINARWEBINARWEBINARWEBINARWE AREGOING DIGITALScan For MoreInformationScan For MoreInformationFederally insured by NCUAContact UsGALLUP EXCEPTIONAL WORKPLACE AWARDMember Care Center 866 CU SoCal (866.287.6225)Monday-Friday 9 a.m.–6 p.m.Saturday 9 a.m.–1 p.m.Visit CUSoCal.org to use Cali, our 24/7 chat featureLocations/Appointments CUSoCal.orgEmail [email protected] ATMs Text zip code to 91989HOLIDAY CLOSURESMartin Luther King Day .........................January 19Presidents' Day .................................. February 16GROWING TO SERVE YOU BETTERMembers.....................................................184,171 Loans..............................................$2,084,626,197Assets.............................................$3,820,846,157FINANCIAL HIGHLIGHTS as of November 30, 2025.Starting in Q2 2026, our newsletter is going digital! That means you can look forward to the same great quarterly content—delivered straight to your inbox. Make sure your email is current: log in to Digital Banking or call our Member Care Center.1. Offer is subject to change without notice. Referrer must be a Havasu Community Credit Union or CU SoCal Member. Valid only with new Members. New Members are defined as a person 18 and older who has never been an owner of an account at Havasu Community Credit Union or CU SoCal. All new accounts will be verified by ChexSystems® and are subject to approval and Membership eligibility. Both referred and referring Member will receive a $25 cash bonus when referred Member opens a qualified checking account with the required minimum deposit of $100 at account opening. Qualified checking accounts are defined as Rewards Checking and Classic Checking. Both referred and referring Member will receive an additional $25 cash bonus when the referred Member receives a minimum monthly direct deposit of $750 within 90 days from establishing Membership. Maximum cash bonus referrer can earn is up to $50. Cash bonuses will be credited to Member’s Havasu Community or CU SoCal deposit account within 60 days from the date the referred Member meets the requirements. Offer cannot be combined with other promotional offers. Cash bonus may be subject to tax reporting.