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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 South Bay Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
South Bay Credit Union's CD Accounts and IRA CDs 5 month rates are at 3.50%, CD Accounts and IRA CDs 60 month rates are at 3.50%, CD Accounts and IRA CDs 48 month rates are at 3.30%, CD Accounts and IRA CDs 36 month rates are at 3.20%, CD Accounts and IRA CDs 24 month rates are at 3.10%. South Bay Credit Union's savings rates are at 0.05%. South Bay Credit Union's money market rates are at 0.20%. South Bay Credit Union's Personal Loan Rates are at 4.75%. MonitorBankRates evaluates the financial stability of South Bay Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.09%. Rates were last updated on 04/19/2026. South Bay Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at South Bay Credit Union? Share your experience about South Bay Credit Union by leaving a review below, or read customer reviews before you decide to use South Bay Credit Union. South Bay Credit Union
Redondo Beach 312 N Pacific Coast Hwy
https://southbaycu.com Redondo Beach, CA 90277 2837 
South Bay Credit Union CD Rates
South Bay Credit Union Savings Rates
South Bay Credit Union Money Market Rates
South Bay Credit Union Checking Rates
South Bay Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for South Bay Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather South Bay Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with South Bay Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
South Bay Credit Union
Website
https://southbaycu.com
Address
312 N Pacific Coast Hwy,
Redondo Beach, CA 90277 2837
Phone
310-374-3436
Fax
President
CHRIS OTEY
CEO
PARIS CHEVALIER BOOCHEE
Full-Time Employees
26
Part-Time Employees
0
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.09%
Return on Assets (ROA)
0.2383%
Return on Equity (ROE)
2.5146%
Non-Performing Loans Ratio (NPL)
0.49%
Total Assets
153,120,332
Total Amount of Shares and Deposits
137,212,789
Total Shares and Deposits < 1 Year
136,794,979
Total Shares and Deposits 1 3 Years
247,336
Total Shares and Deposits > 3 Years
170,474
Total Interest Expense (Sum of items 6 8)
1,187,219
Share Certificates
961
Number of Accounts for Share Drafts
7,379
IRA KEOGH Accounts
180
Number of Accounts for Regular Shares
10,919
Money Market Shares
278
Net Income (unless the amount is already included in Undivided Earnings)
364,927
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,367,886
Total Liabilities
139,172,808
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About South Bay Credit UnionIs South Bay Credit Union a safe place to deposit money?Yes, South Bay Credit Union is considered a safe financial institution. With a Texas Ratio of 4.0898939861541%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does South Bay Credit Union operate?South Bay Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join South Bay Credit Union?Yes, to access services at South Bay Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, South Bay Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, South Bay Credit Union provides members with tools to manage their accounts and build a solid financial history. Does South Bay Credit Union offer online and mobile banking?Most modern institutions like South Bay Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://southbaycu.com. Current South Bay Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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