Catch the wave of savings with 3.50% APY1
Take advantage of a limited-time 3.50% APY 10-Month Flex Certificate¹. Whether you’re new to Credit Union of Southern California (CU SoCal) or an existing Member, scroll down to learn how to open your account. But don’t wait – this special offer ends July 31.
Earn 3.50% APY on a 10-month Certificate¹
- 3.50% APY for a 10-month term
- $500 minimum deposit (with no maximum)
- One additional deposit allowed (up to 50% of original deposit; must be new money)
- One penalty-free withdrawal allowed (up to 50% of original deposit)
- Additional withdrawals may incur penalties
- No additional deposits after the one-time extra deposit
- Multiple certificates allowed per Member
- New funds only
- Offer expires July 31, 2026
New to CU SoCal?
- Open your account online, or
- Visit a CU SoCal branch (schedule an appointment)
Already a Member?
Open a 3.50% APY flex certificate using Quick Apply, visit a CU SoCal branch (schedule an appointment), or call 866.287.6225 to open your Rewards Checking and promotional certificate.
Why choose a CU SoCal Certificate?
High-yield, fixed rate for guaranteed growth
Your rate is locked in from day one—no market risk, just reliable, short-term returns.
Federally insured for peace of mind
Your savings are safe with CU SoCal. All certificates are federally insured by the NCUA for up to $250,000, giving you the confidence to invest securely.
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Online and mobile account management
Manage your Share Certificate anywhere life takes you through Online Banking or the Mobile App. Watch your savings grow and see your progress.
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Qualify for Rewards+ Loyalty Program
Having a $25,000 average daily balance brings you one step closer to qualifying for Rewards+, our Member Loyalty Program.
Learn More-
Certificates can often be referred to as CDs, share certificates, non-liquid accounts, or time deposits. A CU SoCal Certificate gives you an even better interest rate on your money than you would get in a savings account because we know that the money won’t be withdrawn for an extended period. If you have an extra $500 or more that you won’t need to use soon, a certificate may offer you greater savings returns.
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This promotional “flex” certificate allows Members to make an additional, one-time, new funds deposit up to 50% of the opening deposit amount, and one-time withdrawal up to 50% of the opening deposit amount. No additional deposits can be made after your one-time additional deposit. No additional withdrawals after your one-time withdrawawl from the principal of your certificate account can be made before the maturity date without incurring a penalty fee. See promo terms and conditions
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We may impose a 60-day dividends penalty if you make additional withdrawals from the principal of your certificate account before the maturity date. The penalty imposed shall be based on the amount withdrawn and may reduce your principal balance. If the amount withdrawn reduces the principal balance below the stated minimum during the term, you will be assessed a penalty fee on the entire principal balance, and we will close the certificate account and transfer any remaining balance to your Regular Savings Account. See promo terms and conditions
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A certificate is a very safe investment. Even if you need to withdraw the money before you expect, you won’t lose the principal that you invested.
Check out our summer offers
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
- Offer valid May 5-July 31, 2026, and is available to new and existing Members. All accounts will be verified by ChexSystems® and are subject to approval and Membership eligibility. Offers and rates are subject to change without notice. The Annual Percentage Yield (APY) assumes that dividends will remain on deposit until maturity. If you make a withdrawal from your account, your earnings will be reduced. Minimum initial deposit to open is $500. Promotional rate is 3.50% APY with dividend rate of 3.45%. Dividends compounded daily and credited monthly. New funds only—deposits cannot originate from a CU SoCal account. This promotional “flex” certificate allows Member to make an additional, one-time, new funds deposit up to 50% of the opening deposit amount, and one-time withdrawal up to 50% of the opening deposit amount. We may impose a 60-day dividends penalty if you make additional withdrawals from the principal of your certificate account before the maturity date. The penalty imposed shall be based on the amount withdrawn and may reduce your principal balance. If the amount withdrawn reduces the principal balance below the stated minimum during the term, 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. Deposits made to the promotional certificate through electronic transfers (ACH) originating from outside of CU SoCal will not be available for withdrawal for 60 days from the date of deposit. Your 10-month term will automatically renew at maturity to a 12-month term at the prevailing rate (please refer to the Rate Schedule) unless you withdraw all the funds in your account at maturity or within a grace period of 7 days after maturity. The maturity date will be stated on the certificate or receipt provided to you at the time of opening your account.
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