Credit Union Products and Services Disclosures (2024)

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Refer a new Member who opens a qualified checking account with direct deposit and you both earn a cash bonus.

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New CU SoCal HELOC or refinance your existing HELOC from an outside lender for as low as 8.50% APR.

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Each quarter, we are pleased to bring you a series of seminars to help you accomplish your 2024 financial goals. All of our classes are free and open to the community.

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Visa Purchase Alerts

Know where your money is going. Get a text or email whenever you pay with your CU SoCal Visa Credit or Debit Cards.

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Terms and Conditions

Credit Union Products and Services Disclosures (10)

We want to make sure you have the information you need to make the right financial decisions.

Listed below are disclosures available for your reference. If you have questions, please contact us at 866.287.6225 and a representative from our Member Support Team will be happy to assist you.


To view some of our disclosures, you must have Adobe Acrobat Reader installed on your computer. If you do not have it installed, click the “Get Adobe Reader” icon for a free version.

Credit Union Products and Services Disclosures (11)

Fee Schedule & Account Disclosures

  • Schedule of Fees
  • Truth in Savings Disclosure
  • Visa Credit Card Agreement
  • Visa Classic Credit Card Agreement
  • Visa Platinum Rewards and CU SoCal Topaz Credit Card Disclosure
  • Visa Debit Card Agreement and Disclosure
  • Visa Benefit Guide- Platinum Rewards- Topaz
  • Visa Benefit Guide- Classic
  • Courtesy Pay Brochure
  • Courtesy Pay Change in Terms
  • IRA Withholding Notice Disclosure
  • Identity Monitoring and RestorationSummary of Benefits
  • Identity Monitoring and Restoration Evidence of Coverage
  • Identity Monitoring and Restoration Terms and Conditions
  • Binding Arbitration Agreement

Privacy Policy & Choices

  • Federal Privacy Policy
  • California State Privacy Policy
  • CU SoCal Website Privacy Policy
  • CU SoCal Website Protection
  • CCPA Privacy Policy

eServices Disclosures

  • CU SoCal ESIGN Agreement and Electronic Banking Disclosure
  • Zelle Network® Terms and Conditions

NCUA Disclosure

Your Insured Deposits are Secure

CU SoCal Member deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA.) The NCUA is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.

It’s important to note that not one penny of insured savings has ever been lost by a Member of a federally insured credit union. But, rest assured, CU SoCal is a financially sound, well-capitalized credit union with a 5-star rating from Bauer Financial, an independent firm which rates banks and credit unions on financial stability, which means we have substantial funds set aside in reserves as an additional protection for our Members.

Please feel free to call us at 562.698.8326 if you have additional questions or would like to review your accounts. For more information, read our NCUA brochure.

NCUA Share Insurance Estimator

Patriot Act

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.


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Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County,and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offerscompetitive rates and flexible terms onauto loans, mortgages, andVISAcredit cards—turning wishing and waiting into achieving and doing.

562.698.8326 | 866 CU SoCal Se Habla Español

Credit Union Products and Services Disclosures (12)

External Links Disclaimer

If you click 'Continue' an external website that is owned and operated by a third-party will be opened in a new browser window. CU SoCal provides links to external web sites for the convenience of its members. These external web sites may not be affiliated with or endorsed by the credit union. Use of these sites are used at the user's risk. These sites are not under the control of CU SoCal and CU SoCal makes no representation or warranty, express or implied, to the user concerning:

  1. the information, content, presentation, accuracy or opinions of these sites, or
  2. the quality, safety or suitability of any software found on these sites.

You are continuing to a credit union branded third-party website administered by our service provider. We are not responsible for the third-party’s data privacy practices, services, or overall content on the third-party site. Please review the service provider’s privacy policy for more information about its data privacy practices.

Using a hyperlink may identify you as a CU SoCal Member to the operator of the external site.

CU SoCal does not provide and is not responsible for the product, service or overall website content available at these sites. The privacy policies of CU SoCal do not apply to linked websites and you should consult the privacy disclosures on these sites for further information.

If you click 'Cancel' you will be returned to the CU SoCal website.


Credit Union Products and Services Disclosures (2024)
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