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Overview / Commentary
310-374-3436
312 N Pacific Coast Hwy
Redondo Beach, CA 90277

South Bay Credit Union is headquartered in Redondo Beach and is the 161st largest credit union in the state of California. It is also the 1,676th largest credit union in the nation. It was established in 1953 and as of December of 2016, it had grown to 13 employees and 7,294 members at 4 locations. South Bay Credit Union has an A health rating.

Field of Membership Restrictions

Membership in South Bay Credit Union is open to those who live, work, worship or attend school in the South Bay area of California: Carson, Culver City, Gardena, El Segundo, Hawthorne, Harbor City, Manhattan Beach, Marina Del Rey, Palos Verdes Peninsula, Playa Del Rey, Playa Vista, Hermosa Beach, Rancho Palos Verdes, Redondo Beach, Inglewood, San Pedro, Lawndale, Torrance, Lomita, Los Angeles (zip codes 90045,90056, 90066), Venice, Wilmington.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. South Bay Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #95052
Year Chartered1953
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD9.45%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$90.4MM$84.8MM
LoansQ4 2016vs Q4 2015$70.9MM$66.2MM
DepositsQ4 2016vs Q4 2015$79.8MM$75.2MM
Equity CapitalQ4 2016vs Q4 2015$9.7MM$9.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$527.00K$393.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$617.00K$121.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

South Bay Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2,500-Traditional IRA
0.05%$2,500-Roth IRA
0.01%$500-Primary Savings
0.01%$500-Secondary Savings
0.01%$500-Holiday Club

South Bay Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.08%*$100k*-Money Market Accounts
OTHER TIERS: 0.01% $2,500 - $10k | 0.03% $10k - $50k | 0.05% $50k - $100k

South Bay Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$2,500-Plus Checking
0.01%$2,500-E-Checking

South Bay Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%$1k-60 Month CD
1.25%$1k-48 Month CD
1.15%$1k-36 Month CD
1.00%$1k-24 Month CD
0.75%$1k-12 Month CD
0.75%$1k-18 Month CD
0.15%$1k-6 Month CD
0.05%$1k-3 Month CD

South Bay Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%$1k-60 Month IRA
1.25%$1k-48 Month IRA
1.15%$1k-36 Month IRA
1.00%$1k-24 Month IRA
0.75%$1k-12 Month IRA
0.75%$1k-18 Month IRA
0.15%$1k-6 Month IRA
0.05%$1k-3 Month IRA
Locations


South Bay Credit Union Locations
Branch Office312 N Pacific Coast HwyRedondo Beach, CA 90277-2837
Branch Office25360 Crenshaw BlvdTorrance, CA 90505
Branch Office2023 ARTESIA BLVDREDONDO BEACH, CA 90278
Branch Office1421 N MEADOWWOOD LN STE 130LIBERTY LAKE, WA 99019-7613