WELCOME
Building Better Lives begins with the belief that we are more than a place to bank. We are here to help you thrive financially. Since 1954, we’ve been fine tuning, enhancing, and expanding what we offer to our Members. Our lineup is complete with products that match today’s practical needs and tomorrow’s expectations. At Credit Union of Southern California (CU SoCal), we understand that every financial goal is personal and different, and our products and services are designed to empower you on the path to financial wellness. As a Member-focused credit union, we are on your side. We are committed to providing an exceptional Member experience, every time. As one of the fastest growing credit unions in Southern California, we believe in helping people in our community. That's why we donate hundreds of thousands of dollars to local charities every year. In the following pages you’ll find information about our products and services. You’ll learn about the powerful CU SoCal Dream Points you can earn with a Rewards Checking Visa® Debit Card and Platinum Rewards Visa® Credit Card. You’ll discover one of the largest ATM networks in the nation, along with thousands of shared branches. Our Online and Mobile Banking is user-friendly, secure, and highly-rated by our Members. We offer competitive rates, whether you are saving for tomorrow or borrowing for today. High yield savings, share certificates, and SOAR Money Market accounts offer safe places to save. Or find affordable rates for your next auto loan, personal loan, credit card, mortgage or HELOC. BUILDING BETTER LIVES Credit Union of Southern California
ANYWHERE ACCESS AT YOUR SERVICE! MOBILITY Access your accounts securely and conveniently anywhere you have internet access. To activate Online and Mobile account access, visit CUSoCal.org/Login, select "Register for Online Access," and follow the on-screen instructions. Download our free Mobile Banking App for AndroidTM and Apple® devices from your favorite app store to access your accounts and make check deposits with your device. Use CU SoCal Credit and Debit Cards with your mobile device and Apple Pay®, Google Pay™, or Samsung Pay™ for easy and secure purchases. BRANCHES CU SoCal offers full-service branch locations. Additionally, we are a part of Co-op, the nation’s second largest branch network, giving you access to more branches nationwide than the nation’s largest banks, including Bank of America and Chase. To Find A Branch: Visit: CUSoCal.org/Branches ATMS As part of the Co-op, STAR®, and Cirrus ATM networks, CU SoCal provides you with access to the largest fee-free ATM network and more ATMs nationwide than the largest banks. To Find An ATM: Visit: CUSoCal.org/ATMs Online and Mobile Banking Features: • Access monthly statements • Send money with Zelle® • Pay bills • Link external accounts • Search transactions • Redeem rewards • View identity alerts • Stop check payments • Create account alerts • Create savings goals • Set debit & credit card controls • Manage credit cards • View credit score MEMBER CARE CENTER 562.698.8326 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 our 24/7 chat feature “Cali.” PHONE BANKING 562.945.2214 or 800.249.2328 EMAIL [email protected]
Rewards+ is a loyalty program for our Members. It’s our way of saying thank you for trusting us to help you manage your money. See your status and learn more on the Rewards+ widget in Online and Mobile Banking. Unlock these valuable benefits of Rewards+ • Waived monthly Rewards Checking fee.5 • Waived non-Co-op ATM fee. • Waived overdraft transfer fee. • 10% annual bonus on debit card CU SoCal Dream Points. • .25% rate discount on newly funded auto loans. • One free box of checks per year. Qualifying for Rewards+ is easy. Simply open a Rewards Checking Account1 and maintain any combination of three of the following products or services per calendar month: • $750 in electronic deposits • 12 debit card purchases • An auto loan • $25,000 average daily balance • Any mortgage loan fifffflffififl
CHECKING With a CU SoCal Checking Account1 , you are free to bank exactly how you want. Our checking accounts offer great benefits like free Online and Mobile Banking, mobile check deposit, debit card controls, and the ability to get your Visa® Debit Card instantly at a CU SoCal branch. Learn more at CUSoCal.org/RewardsChecking. Rewards Checking Rewards Checking2 is our premium account that pays and protects. It offers all the features and benefits of Classic Checking plus pays dividends and you earn CU SoCal Dream Points3 with qualifying debit card purchases that are combined with points earned with a CU SoCal Platinum Rewards Credit Card. This account provides access to identity restoration services at no additional cost. Rewards Checking has a $5 monthly fee, which is waived when you qualify for the Rewards+ loyalty program.5 Classic Checking Enjoy the ultimate flexibility with a CU SoCal Classic Checking Account. There are no monthly maintenance fees4, no minimum opening deposit or balance requirements. To activate or report a lost or stolen debit card: 888.698.7241 1 All new accounts are verified through ChexSystems® and are subject to approval. 2 Members must be 18 years or older and in good standing to qualify. 3 Debit card purchase transactions of $1.50 or more qualify for CU SoCal Dream Points. For complete details, visit CUSoCal.org/RewardsChecking. 4 Paperless statements (eStatements) are free. Paper statements are $2. View complete Schedule of Fees and fee waivers at CUSoCal.org/disclosures for details. 5 Offer effective April 12, 2023. Monthly Rewards Checking fee will be waived the following month the account is eligible for Rewards+. Auto loan rate discount is up to .25% and applies to loans funded on or after April 12, 2023. The rate discount starts in the month you become eligible to receive Rewards+ benefits. If you are eligible for Rewards+ benefits at the time of funding, the loan discount will be reflected the following day. Rate cannot go below the current floor rate. Qualified Signature and/or POS based transactions must be posted to the account by the end of each month to qualify. ATM transactions are not included. Bonus Dream Points for qualifying months will be credited annually within 60 days of account opening anniversary date. Member must have a Rewards Checking or Platinum Rewards Visa® Credit Card to receive annual bonus points. Rewards+ Members are eligible annually for one free box of corporate image design checks. Call or visit a CU SoCal branch to place your order. Member must be in good standing to qualify. Offer subject to change. BILLS TO PAY, SAVINGS FOR A RAINY DAY. SAVINGS & CERTIFICATES A down payment for a home. College tuition. Remodeling. Retirement. Whatever your goals are, CU SoCal will help you save for the things you want and need. Our accounts offer easy access with both long term and short term savings goals. Share Savings $10 minimum to open Holiday Saver Penalty-free withdrawals November through February Summer Saver Penalty-free withdrawals June through September Money Market Accounts Higher dividends earned Certificates 1-month to 5-years. Low minimum opening amounts. IRA Certificates Terms from 12 to 60 months IRA Savings Coverdell, Traditional, and Roth Federally Insured by NCUA
MORTGAGE LOANS Whether you’re purchasing your first home, refinancing an existing loan, or buying a vacation home, we’re the place to have your dreams financed. We offer competitive rates, great terms, and fast approvals. Home Loans 10-, 15-, 20-, or 30-year terms Rate Options Fixed or adjustable rates Competitive Fees No cost options available1 Refinancing Rate/term or cash-out options available Jumbo Financing Up to $3 million Pre-Approvals In 48 hours or less2 Down Payments As low as 3%3 Special Mortgage Loan Options 5/1 Interest Only Adjustable Rate 7/1 Interest Only Adjustable Rate 5/5 Adjustable Rate 1 CU SoCal offers a No-Closing-Cost Home Loan Refinance Option for qualifying transactions. Under this option, credit is disclosed on the loan estimate to offset origination and third-party fees. Owner-occupied primary residence only. Maximum Loan-to-Value (LTV) up to 80% on cash out and up to 95% no cash out. Member must credit qualify. 2 Proper submission of your income and asset documentation is needed for pre-approval. Actual pricing will be based on credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. 3 Maximum combined loan-to-value up to 97%. Not all properties are eligible for 97% LTV. Consult a Mortgage Loan Originator for details. NMLS #454788 BUILD A BETTER LIFE. HOME EQUITY LOANS Cash into your home's equity for just about anything. Use it for home repairs, upgrades to your home, college tuition, or unexpected expenses. Home Equity Loans Tap into the value of your home's equity in one lump sum to lock into a lower monthly payment. Because a home equity loan is secured by your home, your rate is typically lower than most other consumer loans. Affordable repayment plans up to 25-year terms are available. Home Equity Lines-of-Credit Access up to 80% of your home’s available equity in a revolving line of credit that can be used again and again.
1 Amount financed may not exceed 120% retail Kelley Blue Book including tax, license, warranty, loan protection, and documentation fees. Older used vehicles may be eligible up to wholesale Kelly Blue Book value with a one percent rate adjustment. 2 With 90-day payment deferment, interest will continue to accrue as of funding date. AUTO Southern California is car country. Since 1954, we’ve been funding auto loans with competitive rates, flexible terms, and low monthly payments. So, if you’re thinking about that sporty weekend roadster, or the perfect soccer-mom SUV, think about us! You can also refinance an existing auto loan to lower your current monthly payments. And, if you have challenging or damaged credit, we may be able to get you behind the wheel with an auto loan and help you rebuild your score. Talk to us about how. Auto Loan Features: • Up to 120% financing for new and used vehicles1 • Competitive rates • No payment for 90 days2 • No application or funding fee • Extended terms up to 84 months • Financing available for pre-owned boats and motor homes 10 years or newer AFFORDABLE AUTO LOANS LOAN PROTECTION Guaranteed Asset Protection (GAP) GAP is designed to protect you against financial loss in the event your car is stolen or declared a total loss in an accident. Mechanical Repair Coverage (MRC) MRC is a high-quality, comprehensive coverage plan that safeguards you from expensive auto repairs. Payment Protection Loan Payment Protection may help safeguard you and your family in case you are injured or lose your job. healthCAR An affordable, month-to-month protection plan for vehicles with an expired manufacturer's warranty. AUTO BUYING SERVICES A personal auto-buying concierge will locate the vehicle you want, negotiate to get you the best price, completes the paperwork, searches for the highest bid for your trade-in, and delivers the car to you!
To report a lost or stolen credit card: 800.556.5678 1 Qualifying transactions of $4,000 or more made within 6 months following the account opening will earn 30,000 bonus points. Offer effective January 1, 2023 for new cardholders and is subject to change without notice. CU SoCal Platinum Rewards and Share-Secured Platinum Rewards Visa Credit Card purchases qualify with the following exceptions: cash advances; balance transfers; convenience checks; quasi-cash (purchases that are directly convertible to cash such as casino gaming chips, money orders, wire transfers, travelers checks); finance charges, fees, and credit insurance, purchase made by or for business, unauthorized/fraudulent transactions, and credit card purchases for less than $.50. Qualified credit purchases will result in one (1) point for every one (1) dollar spent, rounded to the nearest dollar. Bonus points are occasionally awarded for merchant specific and CU SoCal special promotions. All transactions and points are subject to verification. The point balance is the total of points awarded, less points that are deducted for returns and adjustments. If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point balance during the dispute period. If the transaction is reinstated, the points will be reinstated. For complete details, visit CUSoCal.org/Dream Points. 2 Aggregate maximum unsecured loan limits (credit card and personal loans, not to exceed $50,000.) LIFE IN PERFECT BALANCE. CU SoCal Topaz Visa Credit Card • Variable Annual Percentage Rate (APR) • Generous credit limits up to $50,0002 • NO annual fee, NO funding fee • Low cash advance fee of 2% • NO annual fee, NO funding fee • Low 2% balance transfer fee CU SoCal Visa Credit Cards are accepted by millions of merchants around the world. We offer competitive rates, generous credit lines, and rewards. START ENJOYING THE BENEFITS RIGHT AWAY! CU SoCal Platinum Rewards Visa® Credit Card • Get 30,000 Dream Points (redeemable for $240 cash) when you spend $4,000 in the first six months1 • CU SoCal Dream Points Rewards1 can be combined with Rewards Checking Debit Card Points and are redeemable for cash, air travel, gift cards, and merchandise • Generous credit limits up to $50,0002 • Variable Annual Percentage Rate (APR) • NO annual fee, NO funding fee • Low 2% balance transfer fee • Low cash advance fee of 2% Share-Secured Platinum Rewards Visa Credit Card • Same benefits as Platinum Rewards Visa Credit Card • Loan amounts up to 95% of the available share balance
It’s never too early or too late to start building that nest egg or to protect your future. We believe it comes down to strategic planning, flexibility, and the advice of licensed, professional financial advisors. SoCal Wealth Management Advisors offer the guidance and advice you need to help you pursue your goals. 1 Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/ SIPC). Insurance products are offered through LPL or its licensed affiliates. Credit Union of Southern California (CU SoCal) and SoCal Wealth Management are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using SoCal Wealth Management, and may also be employees of CU SoCal. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, CU SoCal or SoCal Wealth Management. Securities and insurance offered through LPL or its affiliates are: 2 Before deciding whether to retain assets in an employer-sponsored plan or rollover to an IRA, an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions, and possession on employer stock. WHAT YOU DO TODAY, CAN IMPACT TOMORROW. FINANCIAL PLANNING Through LPL Financial We Offer: • Financial Planning Services • Retirement Planning • Life Insurance • Stocks, Bonds, and Exchange-Traded Funds • Long-Term Care Insurance • Variable and Fixed Annuities • College Savings • Mutual Funds • Individual Retirement Accounts (IRAs) • 401(k), 403(b), and 457 Tax-Sheltered Accounts • Pension and Retirement Plan Transition Options2 Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value SoCal Wealth MANA GEME N T SM
866.287.6225 • CUSoCal.org • P.O. Box 76000, Anaheim, CA 92809 NMWK-003 | JULY 2023