Credit Union of Southern California

Credit Union of Southern California Locations

10 Pointe Dr. Suite 330
Brea, CA 92821
562-698-8326 ext. 1102
www.cusocal.org

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Credit Union of Southern California is headquartered in Whittier and is the 53^rd largest credit union in the state of California. It is also the 310^st largest credit union in the nation. It was established in 1954 and as of December of 2012, it had grown to 142 employees and 55,274 members. Credit Union of Southern California has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Credit Union of Southern California Checking Account Rates

Apy	Min	Max	Product
0.35%	-	-	E-Z Earn Checking
0.25%	$50k	-	VALUE+ Checking

Credit Union of Southern California Savings Account Rates

Apy	Min	Max	Product
0.45%	-	-	Deferred Compensation
0.30%	-	-	Holiday Saver
0.30%	-	-	Summer Saver
0.10%	$500	-	Regular Savings
0.10%	$500	-	IRA Savings
0.10%	$500	-	Roth IRA Savings
0.10%	$500	-	Coverdell Education IRA Savings
0.10%	$500	-	Sub-Savings
0.10%	-	-	Regular Savings - Minors
0.10%	-	-	Sub-Savings - Minor

Credit Union of Southern California Money Market Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	Money Market Account

Credit Union of Southern California CD Rates

Apy	Min	Max	Product
1.26%	$1k	-	60 Month Certificate - Relationship Rate
1.26%	$250	-	60 Month Minor Certificate - Relationship Rate
1.00%	$1k	-	60 Month Certificate
1.00%	$250	-	60 Month Minor Certificate
1.00%	$1k	-	48 Month Certificate - Relationship Rate
1.00%	$250	-	48 Month Minor Certificate - Relationship Rate
0.80%	$1k	-	36 Month Certificate - Relationship Rate
0.80%	$25	-	36 Month Minor Certificate - Relationship Rate
0.75%	$1k	-	48 Month Certificate
0.75%	$250	-	48 Month Minor Certificate
0.60%	$1k	-	18 Month Certificate - Relationship Rate
0.60%	$250	-	18 Month Minor Certificate - Relationship Rate
0.60%	$1k	-	24 Month Certificate - Relationship Rate
0.60%	$250	-	24 Month Minor Certificate - Relationship Rate
0.55%	$1k	-	36 Month Certificate
0.55%	$25	-	36 Month Minor Certificate
0.55%	$1k	-	30 Month Certificate - Relationship Rate
0.55%	$250	-	30 Month Minor Certificate - Relationship Rate
0.40%	$150k	-	6 Month Access Certificate
0.40%	$1k	-	12 Month Certificate - Relationship Rate
0.40%	$250	-	12 Month Minor Certificate - Relationship Rate
0.35%	$1k	-	18 Month Certificate
0.35%	$1k	-	24 Month Certificate
0.35%	$250	-	18 Month Minor Certificate
0.35%	$250	-	24 Month Minor Certificate
0.35%	$7,500	-	1 Month Certificate - Relationship Rate
0.35%	$1k	-	3 Month Certificate - Relationship Rate
0.35%	$1k	-	6 Month Certificate - Relationship Rate
0.30%	$1k	-	30 Month Certificate
0.30%	$250	-	30 Month Minor Certificate
0.15%	$1k	-	12 Month Certificate
0.15%	$250	-	12 Month Minor Certificate
0.10%	$7,500	-	1 Month Certificate
0.10%	$1k	-	3 Month Certificate
0.10%	$1k	-	6 Month Certificate

Credit Union of Southern California IRA Rates

Apy	Min	Max	Product
1.26%	$25	-	60 Month IRA Certificate - Relationship Rate
1.26%	$25	-	60 Month Roth IRA Certificate - Relationship Rate
1.00%	$25	-	60 Month IRA Certificate
1.00%	$25	-	60 Month Roth IRA Certificate
1.00%	$25	-	48 Month IRA Certificate - Relationship Rate
1.00%	$25	-	48 Month Roth IRA Certificate - Relationship Rate
0.80%	$25	-	36 Month IRA Certificate - Relationship Rate
0.80%	$25	-	36 Month Roth IRA Certificate - Relationship Rate
0.75%	$25	-	48 Month IRA Certificate
0.75%	$25	-	48 Month Roth IRA Certificate
0.60%	$25	-	18 Month IRA Certificate - Relationship Rate
0.60%	$25	-	18 Month Roth IRA Certificate - Relationship Rate
0.60%	$25	-	24 Month IRA Certificate - Relationship Rate
0.60%	$25	-	24 Month Roth IRA Certificate - Relationship Rate
0.55%	$25	-	36 Month IRA Certificate
0.55%	$25	-	36 Month Roth IRA Certificate
0.55%	$25	-	30 Month IRA Certificate - Relationship Rate
0.55%	$25	-	30 Month Roth IRA Certificate - Relationship Rate
0.40%	$25	-	12 Month Coverdell Education IRA - Relationship Rate
0.40%	$25	-	12 Month IRA Certificate - Relationship Rate
0.40%	$25	-	12 Month Roth IRA Certificate - Relationship Rate
0.35%	$25	-	18 Month IRA Certificate
0.35%	$25	-	24 Month IRA Certificate
0.35%	$25	-	18 Month Roth IRA Certificate
0.35%	$25	-	24 Month Roth IRA Certificate
0.30%	$25	-	30 Month IRA Certificate
0.30%	$25	-	30 Month Roth IRA Certificate
0.15%	$25	-	12 Month IRA Certificate
0.15%	$25	-	12 Month Roth IRA Certificate
0.15%	$25	-	12 Month Coverdell Education IRA

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

CREDIT UNION OF SOUTHERN CALIFORNIA
NCUA #	68456
BankRate Report	View
Year Chartered	1954
Employees	142
Primary Regulator
Assets and Liabilities
Assets	$687.48 million
Loans	$280.16 million
Deposits	$584.85 million
Equity Capital	$84.39 million
Loan Loss Allowance	$8.91 million
Unbacked Noncurrent Loans	$3.98 million
Real Estate Owned	$584,000
Historic Data - December 2011
Assets	$552.23 million
Equity Capital	$71.19 million
Loan Loss Allowance	$9.71 million
Unbacked Noncurrent Loans	$5.38 million
Real Estate Owned	$277,000
Profit Margin - Quarterly
Net Interest Margin	5.47%
Return on Assets	1.32%
Return on Equity	10.72%
Interest Income	$20.35 million
Non-Interest Income	$14.52 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Credit Union of Southern California had $4.56 million in non-current loans and owned real-estate with $93.3 million in equity and loan loss allowances on hand to cover it. This gives Credit Union of Southern California a Texas Ratio of 4.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Credit Union of Southern California decreased slightly from 6.99% as of December 31, 2011 to 4.89% as of December 31, 2012, resulting in a positive change of 30.09%.This indicates that the balance sheet and financial strength for Credit Union of Southern California has improved slightly in recent periods.
Deposit Growth
In the past year, Credit Union of Southern California has increased its total deposits by $122.49 million, resulting in 26.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Credit Union of Southern California has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Credit Union of Southern California has $687.48 million in assets with $93.3 million in equity, resulting in a capitalization level of 13.57%, which is excellent.

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