Credit union · NCUA insured
CU SoCal Savings Rates
Top CarrotCU SoCal’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How CU SoCal’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where CU SoCal has the most branches. $10,000, best rate first.
This credit union’s best
CU SoCal
0.25%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $25
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
CU SoCal savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where CU SoCal ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Soar Money Market Account
Up to 1.00%APY
Requires new funds (not currently on deposit at CU SoCal) with a $15,000 minimum opening deposit. Rates are variable, subject to change without notice, and are anticipated rates and APYs for the current dividend period.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $2,500 – $14,999Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. · $15,000 to open | 1.00% | $15,000 | $100 | Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. |
| $2,500 – $14,999Non-Rewards+ Loyalty Program rate. · $15,000 to open | 0.75% | $15,000 | $75 | Non-Rewards+ Loyalty Program rate. |
| $15,000 – $49,999Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. · $15,000 to open | 1.25% | $15,000 | — | Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. |
| $15,000 – $49,999Non-Rewards+ Loyalty Program rate. · $15,000 to open | 1.00% | $15,000 | — | Non-Rewards+ Loyalty Program rate. |
| $50,000 – $99,999Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. · $50,000 to open | 1.65% | $50,000 | — | Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. |
| $50,000 – $99,999Non-Rewards+ Loyalty Program rate. · $50,000 to open | 1.15% | $50,000 | — | Non-Rewards+ Loyalty Program rate. |
| $100,000 – $149,999Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. · $100,000 to open | 2.50% | $100,000 | — | Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. |
| $100,000 – $149,999Non-Rewards+ Loyalty Program rate. · $100,000 to open | 1.75% | $100,000 | — | Non-Rewards+ Loyalty Program rate. |
| $150,000 – $249,999Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. · $150,000 to open | 3.00% | $150,000 | — | Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. |
| $150,000 – $249,999Non-Rewards+ Loyalty Program rate. · $150,000 to open | 2.00% | $150,000 | — | Non-Rewards+ Loyalty Program rate. |
| $250,000 – $499,999Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. · $250,000 to open | 3.25% | $250,000 | — | Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. |
| $250,000 – $499,999Non-Rewards+ Loyalty Program rate. · $250,000 to open | 2.25% | $250,000 | — | Non-Rewards+ Loyalty Program rate. |
| $500,000 and upRewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. · $500,000 to open | 3.50% | $500,000 | — | Rewards+ Loyalty Program rate. Members automatically earn this rate during months they are active Rewards+ Loyalty Program members. |
| $500,000 and upNon-Rewards+ Loyalty Program rate. · $500,000 to open | 2.50% | $500,000 | — | Non-Rewards+ Loyalty Program rate. |
Sources (2)
All captured Oct 6, 2026
Money Market Account
0.25%APY
Rates are variable, subject to change without notice, and are anticipated rates and APYs for the current dividend period. No monthly fees.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $2,500 – $14,999$2,500 to open | 0.25% | $2,500 | $25 |
| $15,000 – $24,999$15,000 to open | 0.30% | $15,000 | — |
| $25,000 – $49,999$15,000 to open | 0.35% | $15,000 | — |
| $50,000 – $99,999$50,000 to open | 0.45% | $50,000 | — |
| $100,000 and up$100,000 to open | 0.50% | $100,000 | — |
Sources (2)
All captured Oct 6, 2026
Summer Saver
0.30%APY
No monthly service fees. Penalty-free withdrawals between June and September ($25 fee per withdrawal made from October 1 to May 31).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upPenalty-free withdrawals during summer (between June and September / accessible May 31st); $25 fee per withdrawal made from October 1-May 31.$1 and up | 0.30% | $30 | Penalty-free withdrawals during summer (between June and September / accessible May 31st); $25 fee per withdrawal made from October 1-May 31. |
Special-purpose accounts
Deferred Compensation
0.45%APY
Restricted by law to school district employees. Requires monthly automatic deposits of at least $10.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upRestricted by law to school district employees. Set up monthly automatic deposits of at least $10 to earn on balances over $1.$1 and up | 0.45% | $45 | Restricted by law to school district employees. Set up monthly automatic deposits of at least $10 to earn on balances over $1. |
Sources (2)
- cusocal.org/accounts/savings-a…ensation-savings-account
- cusocal.org/accounts/savings-accounts/regular-savings
All captured Oct 6, 2026
Holiday Saver
0.30%APY
No monthly service fees. Penalty-free withdrawals between November and February ($25 fee per withdrawal made from March 1 to October 31). $10 minimum monthly automatic deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upWithdraw penalty-free between November and February; $25 fee per withdrawal made from March 1-October 31. Requires $10 minimum monthly automatic deposit.$1 and up | 0.30% | $30 | Withdraw penalty-free between November and February; $25 fee per withdrawal made from March 1-October 31. Requires $10 minimum monthly automatic deposit. |
IRA Savings
0.10%APY
Includes Traditional, Roth, & Coverdell Education IRA. For minors, the minimum to earn dividends is $1.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upFor minors, the minimum to earn dividends is $1.00. IRA savings include Traditional, Roth, & Coverdell Education IRA.$500 and up | 0.10% | $10 | For minors, the minimum to earn dividends is $1.00. IRA savings include Traditional, Roth, & Coverdell Education IRA. |
Regular Savings
0.10%APY
Traditional savings account required for CU SoCal Membership. For minors, the minimum to earn dividends is $1.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upFor minors, the minimum to earn dividends is $1.00.$500 and up | 0.10% | $10 | For minors, the minimum to earn dividends is $1.00. |
Sources (2)
- cusocal.org/accounts/savings-a…nts/all-savings-accounts
- cusocal.org/accounts/savings-accounts/regular-savings
All captured Oct 6, 2026
Sub-Savings
0.10%APY
For minors, the minimum to earn dividends is $1.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upFor minors, the minimum to earn dividends is $1.00.$500 and up | 0.10% | $10 | For minors, the minimum to earn dividends is $1.00. |
Sources (1)
- cusocal.org/accounts/savings-accounts/regular-savings · captured Oct 6, 2026
Youth Savings Account
0.10%APY
Available for Members under the age of 18. Must be opened in person by a parent or legal guardian at a branch. All fees are waived. Minimum to earn dividends is $1.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upAvailable for Members under the age of 18. Must be opened in person by a parent or legal guardian at a branch. All fees waived. Minimum to earn dividends for minors is $1.00.$1 and up | 0.10% | $10 | Available for Members under the age of 18. Must be opened in person by a parent or legal guardian at a branch. All fees waived. Minimum to earn dividends for minors is $1.00. |
Who can join CU SoCal
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.