What are the current interest rates at Southland Credit Union?

Current rates for Southland Credit Union include: 12-Month CD: 2.80%, 18-Month CD: 3.50%, 24-Month CD: 2.95%, 60-Month CD: 3.65%, Savings: 0.10%, MMA: 0.45%

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Southland Credit Union

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Southland Credit Union Rates & Review July 2026

Q: How many branches does Southland Credit Union operate?

Southland 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.

Q: Is a member application needed to join Southland Credit Union?

Yes, to access services at Southland 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.

Q: Is there a first-time homebuyer program?

Currently, Southland 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southland Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 11, 2026

Southland Credit Union's 9-Month CD rates are at 9.00%, 9-Month Limited Time Only New Member CD rates are at 9.00%, Jumbo Term CD 5 Year rates are at 3.75%, 5 Year Jumbo Term CDs & IRA CDs rates are at 3.75%, Term CD 5 Year rates are at 3.65%. Southland Credit Union's savings rates are at 0.10%. Southland Credit Union's money market rates are at 0.45%. Southland Credit Union's 5/6 Mo ARM rates are at 5.50%, 3/6 Mo ARM rates are at 5.38%, 7/6 Mo ARM rates are at 5.75%, 10/6 Mo ARM rates are at 5.75%, 5/5 Yr ARM rates are at 5.62%. Southland Credit Union's Personal Loan Rates are at 9.49%. MonitorBankRates evaluates the financial stability of Southland Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.10%. Rates were last updated on 07/11/2026.

Southland 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 Southland Credit Union? Share your experience about Southland Credit Union by leaving a review below, or read customer reviews before you decide to use Southland Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.10%

Excellent Higher than avg

Southland Credit Union
Los Alamitos Branch

10701 Los Alamitos Blvd
Los Alamitos, CA 90720

https://www.southlandcu.org

Southland Credit Union CD Rates

Product	Rate	APY	Term
9-Month Certificate	-	9.00%	9 months
Details $1,000 maximum deposit. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
9-Month Limited Time Only New Member Certificate	8.65%	9.00%	9 months
Min Deposit $100 Details Limit one, new Members only. Available to new Southland Members only. Individuals with an existing Southland account under the same Social Security number, or with a closed account within the past 12 months, do not qualify. Limit one certificate per Member/Social Security number. Unless otherwise directed, the certificate will automatically roll over into a 6-month certificate upon maturity. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Jumbo Term Share Certificate 5 Year	3.69%	3.75%	5 year
Min Deposit $100,000 Min Balance $100,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
5 Year Jumbo Term Share Certificates & IRA Share Certificates	3.69%	3.75%	5 Year
Min Deposit $100,000 Min Balance $100,000 Details Rates Effective 04/27/2026. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Term Share Certificate 5 Year	3.59%	3.65%	5 year
Min Deposit $1,000 Min Balance $1,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
5 Year Term Share Certificates & IRA Share Certificates	3.59%	3.65%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Rates Effective 04/27/2026. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
18-Month Certificate	-	3.50%	18 months
Details For a limited time only, pick your certificate term! Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
18-Month Limited Time Only Promotional Certificate	3.45%	3.50%	18 months
Min Deposit $1,000 Min Balance $1,000 Details IRA Certificates are available. Unless otherwise directed, the certificate will automatically roll over into a 12-month certificate upon maturity. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
9-Month Certificate	-	3.50%	9 months
Details For a limited time only, pick your certificate term! Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
9-Month Limited Time Only Promotional Certificate	3.45%	3.50%	9 months
Min Deposit $1,000 Min Balance $1,000 Details IRA Certificates are available. Unless otherwise directed, the certificate will automatically roll over into a 6-month certificate upon maturity. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Jumbo Term Share Certificate 4 Year	3.45%	3.50%	4 year
Min Deposit $100,000 Min Balance $100,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
4 Year Jumbo Term Share Certificates & IRA Share Certificates	3.45%	3.50%	4 Year
Min Deposit $100,000 Min Balance $100,000 Details Rates Effective 04/27/2026. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Term Share Certificate 4 Year	3.35%	3.40%	4 year
Min Deposit $1,000 Min Balance $1,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
4 Year Term Share Certificates & IRA Share Certificates	3.35%	3.40%	4 Year
Min Deposit $1,000 Min Balance $1,000 Details Rates Effective 04/27/2026. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Jumbo Term Share Certificate 3 Year	3.20%	3.25%	3 year
Min Deposit $100,000 Min Balance $100,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
3 Year Jumbo Term Share Certificates & IRA Share Certificates	3.20%	3.25%	3 Year
Min Deposit $100,000 Min Balance $100,000 Details Rates Effective 04/27/2026. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Term Share Certificate 3 Year	3.11%	3.15%	3 year
Min Deposit $1,000 Min Balance $1,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
3 Year Term Share Certificates & IRA Share Certificates	3.11%	3.15%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details Rates Effective 04/27/2026. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Jumbo Term Share Certificate 2 Year	3.01%	3.05%	2 year
Min Deposit $100,000 Min Balance $100,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
2 Year Jumbo Term Share Certificates & IRA Share Certificates	3.01%	3.05%	2 Year
Min Deposit $100,000 Min Balance $100,000 Details Rates Effective 04/27/2026. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Term Share Certificate 2 Year	2.91%	2.95%	2 year
Min Deposit $1,000 Min Balance $1,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
2 Year Term Share Certificates & IRA Share Certificates	2.91%	2.95%	2 Year
Min Deposit $1,000 Min Balance $1,000 Details Rates Effective 04/27/2026. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Jumbo Term Share Certificate 1 Year	2.86%	2.90%	1 year
Min Deposit $100,000 Min Balance $100,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
1 Year Jumbo Term Share Certificates & IRA Share Certificates	2.86%	2.90%	1 Year
Min Deposit $100,000 Min Balance $100,000 Details Rates Effective 04/27/2026. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Term Share Certificate 1 Year	2.77%	2.80%	1 year
Min Deposit $1,000 Min Balance $1,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
1 Year Term Share Certificates & IRA Share Certificates	2.77%	2.80%	1 Year
Min Deposit $1,000 Min Balance $1,000 Details Rates Effective 04/27/2026. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Term Share Certificate 6 Month	2.67%	2.70%	6 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
6 Month Term Share Certificates & IRA Share Certificates	2.67%	2.70%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details Rates Effective 04/27/2026. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%

Southland Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	2.03%	2.05%
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to earn promotional rate is $10,000. Balances under $10,000 will earn the regular share savings rate. To qualify, deposit must be new money to Southland transferred from another financial institution. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Health Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Holiday Club	0.10%	0.10%
Min Deposit $0 Min Balance $0 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
IRA Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Primary Savings	0.10%	0.10%
Min Deposit $25 Min Balance $25 Details Minimum Deposit and Minimum Balance requirements for Primary Savings Account waived for NEW Members opting to pay a Membership Entrance fee. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%

Southland Credit Union Money Market Rates

Product	Rate	APY
Money Market Account Tier 6	0.85%	0.85%
Min Deposit $150,000 Min Balance $150,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Money Market Account Tier 5	0.80%	0.80%
Min Deposit $100,000 Min Balance $100,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Money Market Account Tier 3	0.75%	0.75%
Min Deposit $10,000 Min Balance $10,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Money Market Account Tier 4	0.75%	0.75%
Min Deposit $50,000 Min Balance $50,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Money Market Account Tier 2	0.70%	0.70%
Min Deposit $2,500 Min Balance $2,500 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Money Market Account Tier 1	0.45%	0.45%
Min Deposit $0 Min Balance $0 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%

Southland Credit Union Checking Rates

Product	Rate	APY
Interest Checking Account Tier 1	1.54%	1.55%
Min Deposit $0 Min Balance $0 Details Maximum Balance $10,000 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Interest Checking Account Tier 2	0.10%	0.10%
Min Deposit $10,001 Min Balance $10,001 Details Maximum Balance $0 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Business Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Super Checking Qualified Rate	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Super Checking account is no longer available. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Super Checking Non-Qualified Rate	0.03%	0.03%
Min Deposit $0 Min Balance $0 Details Super Checking account is no longer available. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%

Southland Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/6 Mo ARM	5.50%	0.000%	5.81%	60 / 300 Months
Details Rate: 5.500% / 6.650%; The current index is the 1-Year Secured Overnight Financing Rate (SOFR) as published in The Wall Street Journal. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
3/6 Mo ARM	5.38%	0.000%	5.83%	36 / 324 Months
Details Rate: 5.375% / 6.650%; The current index is the 1-Year Secured Overnight Financing Rate (SOFR) as published in The Wall Street Journal. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
7/6 Mo ARM	5.75%	0.000%	5.88%	84 / 276 Months
Details Rate: 5.750% / 6.650%; The current index is the 1-Year Secured Overnight Financing Rate (SOFR) as published in The Wall Street Journal. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
10/6 Mo ARM	5.75%	0.000%	5.89%	120 / 240 Months
Details Rate: 5.750% / 6.650%; The current index is the 1-Year Secured Overnight Financing Rate (SOFR) as published in The Wall Street Journal. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
5/5 Yr ARM	5.63%	0.000%	6.24%	60 / 300 Months
Details Rate: 5.625% / 7.050%; The 5 year Constant Maturity Treasury (CMT) is used as the index for the 5/5 Year ARM product. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
30 Year Fixed High-Balance	-	-	6.47%	30 Year
Details As Low As; APR* Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%

Southland Credit Union Personal Loan Rates

Product	Rate	APR
Motorcycle & Personal Watercraft Loans	-	9.49%
Details Autopay must be from a qualified Southland checking account to receive the deduction (.25%). All APRs shown are calculated at a $10,000 loan amount. Vehicles valued over $20,000 financed up to 84 months (on approved credit); otherwise, maximum term is 72 months. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Motorcycle & Personal Watercraft Loans	-	9.74%
Details Autopay must be from a qualified Southland checking account to receive the deduction (.25%). All APRs shown are calculated at a $10,000 loan amount. Vehicles valued over $20,000 financed up to 84 months (on approved credit); otherwise, maximum term is 72 months. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Motorcycle & Personal Watercraft Loans	-	9.99%
Details Autopay must be from a qualified Southland checking account to receive the deduction (.25%). All APRs shown are calculated at a $10,000 loan amount. Vehicles valued over $20,000 financed up to 84 months (on approved credit); otherwise, maximum term is 72 months. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Personal Loans - Line of Credit	-	11.74%
Details Loans are subject to credit qualification, other fees and conditions may apply. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%
Personal Loans - Signature Loan	-	11.74%
Details Minimum advance for closed end signature loans is $1,000. Loans are subject to credit qualification, other fees and conditions may apply. Last Updated 07/11/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.10%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Southland 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 Southland 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 Southland Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Southland Credit Union

Website https://www.southlandcu.org

Address 10701 Los Alamitos Blvd, Los Alamitos, CA 90720

Phone 562-862-6831

Fax 866-602-5980

President Thomas Willingham

CEO Thomas Lent

Full-Time Employees 168

Part-Time Employees 14

Branch Locations 12

ATM Locations 9

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.10%

Return on Assets (ROA)

0.1224%

Return on Equity (ROE)

1.4320%

Non-Performing Loans Ratio (NPL)

0.95%

Total Assets

1,282,588,721

Total Amount of Shares and Deposits

1,110,037,260

Total Shares and Deposits < 1 Year

1,075,742,676

Total Shares and Deposits 1 3 Years

21,720,663

Total Shares and Deposits > 3 Years

12,573,921

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

93,246,874

Total Uninsured Shares and Deposits > $250K (F+J)

93,246,874

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,016,790,386

Total Interest Expense (Sum of items 6 8)

15,976,710

Share Certificates

7,201

Number of Accounts for Share Drafts

50,257

IRA KEOGH Accounts

1,596

Number of Accounts for Regular Shares

82,100

All other shares

Non Member Deposits

Money Market Shares

3,017

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

96,091,447

Total Liabilities

1,198,314,680

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Southland Credit Union

How many branches does Southland Credit Union operate?

Southland 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 Southland Credit Union?

Yes, to access services at Southland 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, Southland 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, Southland Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Southland Credit Union offer online and mobile banking?

Most modern institutions like Southland 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://www.southlandcu.org.