Southland Credit Union

P.O. Box 7022
Downey, CA 90241-7022
866-526-5854
www.southlandcu.org

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Southland Credit Union is headquartered in DOWNEY and is the 68^th largest credit union in the state of California. It is also the 404^th largest credit union in the nation. It was established in 1944 and as of December of 2011, it had grown to 84 employees and 42,243 members. Southland Credit Union has a 4-star health rating.

Southland Credit Union Routing Number: 322078325

7.5% 5 Month CD ($1K Max) From Southland CU. Socal Only. (Forum) - 10/16/2011

7.5% 5 month CD ($1k max) from Southland CU. Socal only.

4.25% 7-Month CD at a California CU - with liquid option (Southland). - 2/4/2008

Update 3/8/08: The special CD yield has fallen again. Please check the credit union's website for the latest rate.Update 2/23/08: The 7-month CD special rate has fallen from 4.75% to 4.25% APY. The title has been modified to reflect this change.Southland...

2.00% Reward Checking Account at a California CU (Southland) - 7/17/2007

Update 6/07/09: The top yield has fallen to 2.00% APY. Refer to the bottom of the post for the rate history.Southland Credit Union is offering a reward checking account it calls Super Checking that offers 2.00% APY on balances up to $50,000 and up to...

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

Southland Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	Premium Business Checking Account

Southland Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$25	-	Primary Savings
0.10%	-	-	Holiday Club Account
0.10%	-	-	IRA Account
0.10%	-	-	Health Savings Account
0.10%	-	-	SEP IRA Account
0.10%	-	-	Roth IRA Account

Southland Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.35%	$150k	-	Money Market

Southland Credit Union CD Rates

Apy	Min	Max	Product
1.45%	$100k	-	5 Year Jumbo CD
1.30%	$1k	-	5 Year Term share CD
1.10%	$100k	-	4 Year Jumbo CD
0.95%	$1k	-	4 Year Term share CD
0.80%	$100k	-	3 Year Jumbo CD
0.65%	$1k	-	3 Year Term share CD
0.50%	$100k	-	2 Year Jumbo CD
0.40%	$100k	-	1 Year Jumbo AcceleRate CD
0.35%	$1k	-	2 Year Term share CD
0.30%	$100k	-	6 Month Jumbo AcceleRate CD
0.25%	$1k	-	1 Year AcceleRate CD
0.15%	$1k	-	6 Month AcceleRate CD

Southland Credit Union IRA Rates

Apy	Min	Max	Product
1.45%	$100k	-	5 Year Jumbo IRA
1.45%	$100k	-	5 Year Jumbo Roth IRA
1.45%	$100k	-	5 Year Jumbo SEP IRA
1.30%	$1k	-	5 Year IRA Term share
1.30%	$1k	-	5 Year Roth IRA Term share
1.30%	$1k	-	5 Year SEP IRA Term share
1.10%	$100k	-	4 Year Jumbo IRA
1.10%	$100k	-	4 Year Jumbo Roth IRA
1.10%	$100k	-	4 Year Jumbo SEP IRA
0.95%	$1k	-	4 Year IRA Term share
0.95%	$1k	-	4 Year Roth IRA Term share
0.95%	$1k	-	4 Year SEP IRA Term share
0.80%	$100k	-	3 Year Jumbo IRA
0.80%	$100k	-	3 Year Jumbo Roth IRA
0.80%	$100k	-	3 Year Jumbo SEP IRA
0.65%	$1k	-	3 Year IRA Term share
0.65%	$1k	-	3 Year Roth IRA Term share
0.65%	$1k	-	3 Year SEP IRA Term share
0.50%	$100k	-	2 Year Jumbo IRA
0.50%	$100k	-	2 Year Jumbo Roth IRA
0.50%	$100k	-	2 Year Jumbo SEP IRA
0.40%	$100k	-	1 Year Jumbo AcceleRate IRA
0.40%	$100k	-	1 Year Jumbo AcceleRate Roth IRA
0.40%	$100k	-	1 Year Jumbo AcceleRate SEP IRA
0.35%	$1k	-	2 Year IRA Term share
0.35%	$1k	-	2 Year Roth IRA Term share
0.35%	$1k	-	2 Year SEP IRA Term share
0.30%	$100k	-	6 Month Jumbo AcceleRate IRA
0.30%	$100k	-	6 Month Jumbo AcceleRate Roth IRA
0.30%	$100k	-	6 Month Jumbo AcceleRate SEP IRA
0.25%	$1k	-	1 Year AcceleRate IRA
0.25%	$1k	-	1 Year AcceleRate Roth IRA
0.25%	$1k	-	1 Year AcceleRate SEP IRA
0.15%	$1k	-	6 Month AcceleRate IRA
0.15%	$1k	-	6 Month AcceleRate Roth IRA
0.15%	$1k	-	6 Month AcceleRate SEP IRA

Rates updated: 5/13/2012

Data for Q4 2011

Institution Statistics

SOUTHLAND
NCUA #	68415
BankRate Report	View
Year Chartered	1944
Employees	84
Primary Regulator
Assets and Liabilities
Assets	$486.23 million
Loans	$345.76 million
Deposits	$391.34 million
Equity Capital	$47.68 million
Loan Loss Allowance	$8.19 million
Unbacked Noncurrent Loans	$7.69 million
Real Estate Owned	$3.05 million
Historic Data - December 2010
Assets	$476.36 million
Equity Capital	$46.08 million
Loan Loss Allowance	$8.79 million
Unbacked Noncurrent Loans	$11.26 million
Real Estate Owned	$868,000
Profit Margin - Quarterly
Net Interest Margin	5.51%
Return on Assets	0.34%
Return on Equity	3.42%
Interest Income	$20.78 million
Non-Interest Income	$4.10 million

Institution Health

Overall Score:

4 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, 2011 Southland Credit Union had $10.73 million in non-current loans and owned real-estate with $55.87 million in equity and loan loss allowances on hand to cover it. This gives Southland Credit Union a Texas Ratio of 19.21% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Southland Credit Union held steady from 22.11% as of December 31, 2010 to 19.21% as of December 31, 2011, resulting in a positive change of 13.08%.This indicates that the balance sheet and financial strength for Southland Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Southland Credit Union has increased its total deposits by $8.89 million, resulting in 2.32% 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 Southland Credit Union has shown is above average.
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. Southland Credit Union has $486.23 million in assets with $55.87 million in equity, resulting in a capitalization level of 11.49%, which is above average.