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Southland Credit Union Rates & Review October 2026

Q: 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: 2.30%, MMA: 0.85%

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 26, 2026

Southland Credit Union's 5 Year Jumbo Term CD rates are at 3.75%, 5 Year Term CD rates are at 3.65%, 4 Year Jumbo Term CD rates are at 3.50%, Pick Your Term 18-Month CD rates are at 3.50%, Pick Your Term 9-Month CD rates are at 3.50%. Southland Credit Union's savings rates are at 2.30%. Southland Credit Union's money market rates are at 0.85%. Southland Credit Union's checking rates are as high as 1.80%. Southland Credit Union's First Mortgage Adjustable Rate Mortgage (ARM) Conforming - 10/6 Mo ARM rates are at 6.00%, First Mortgage Adjustable Rate Mortgage (ARM) Conforming High-Balance Area - 10/6 Mo ARM rates are at 6.00%, First Mortgage Fixed Conforming High-Balance Area - 15 Yr Fixed rates are at 6.38%, First Mortgage Fixed Conforming Jumbo - 10 Yr Fixed rates are at 6.62%, First Mortgage Fixed Conforming Jumbo - 15 Yr Fixed rates are at 6.62%. Southland Credit Union's RV, Boat and Powersport Loan Rates are as low as 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 10.49%. Rates last updated and verified on 10/26/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.49%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Southland Credit Union
Los Alamitos Branch

10701 Los Alamitos Blvd
Los Alamitos, CA 90720

https://www.southlandcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Southland Credit Union CD Rates

Product	Rate	APY	Term
5 Year Jumbo Term Share Certificate	3.688%	3.75%	5 Year
Min Deposit $100,000 Min Balance $100,000 Details Rates effective 04/27/2026; IRA Share Certificates also listed; dividends paid monthly; penalty for early withdrawal Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
5 Year Term Share Certificate	3.591%	3.65%	5 Year
Min Deposit $1,000 Min Balance $1,000 Details Rates effective 04/27/2026; IRA Share Certificates also listed; dividends paid monthly; penalty for early withdrawal Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
4 Year Jumbo Term Share Certificate	3.446%	3.50%	4 Year
Min Deposit $100,000 Min Balance $100,000 Details Rates effective 04/27/2026; IRA Share Certificates also listed; dividends paid monthly; penalty for early withdrawal Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Pick Your Term 18-Month Certificate	3.445%	3.50%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Limited Time Only; Rates effective 04/27/2026; IRA Certificates available; auto-rolls to 12-month certificate; dividends paid monthly Last Updated 10/26/2026 Rate History No change since Sep 27, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Pick Your Term 9-Month Certificate	3.445%	3.50%	9 months
Min Deposit $1,000 Min Balance $1,000 Details Limited Time Only; Rates effective 04/27/2026; IRA Certificates available; auto-rolls to 6-month certificate; dividends paid monthly Last Updated 10/26/2026 Rate History No change since Sep 27, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
4 Year Term Share Certificate	3.349%	3.40%	4 Year
Min Deposit $1,000 Min Balance $1,000 Details Rates effective 04/27/2026; IRA Share Certificates also listed; dividends paid monthly; penalty for early withdrawal Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
3 Year Jumbo Term Share Certificate	3.203%	3.25%	3 Year
Min Deposit $100,000 Min Balance $100,000 Details Rates effective 04/27/2026; IRA Share Certificates also listed; dividends paid monthly; penalty for early withdrawal Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
3 Year Term Share Certificate	3.106%	3.15%	3 Year
Min Deposit $1,000 Min Balance $1,000 Details Rates effective 04/27/2026; IRA Share Certificates also listed; dividends paid monthly; penalty for early withdrawal Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
2 Year Jumbo Term Share Certificate	3.009%	3.05%	2 Year
Min Deposit $100,000 Min Balance $100,000 Details Rates effective 04/27/2026; IRA Share Certificates also listed; dividends paid monthly; penalty for early withdrawal Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
2 Year Term Share Certificate	2.911%	2.95%	2 Year
Min Deposit $1,000 Min Balance $1,000 Details Rates effective 04/27/2026; IRA Share Certificates also listed; dividends paid monthly; penalty for early withdrawal Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
1 Year Jumbo Term Share Certificate	2.863%	2.90%	1 Year
Min Deposit $100,000 Min Balance $100,000 Details Rates effective 04/27/2026; IRA Share Certificates also listed; dividends paid monthly; penalty for early withdrawal Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
1 Year Term Share Certificate	2.765%	2.80%	1 Year
Min Deposit $1,000 Min Balance $1,000 Details Rates effective 04/27/2026; IRA Share Certificates also listed; dividends paid monthly; penalty for early withdrawal Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
6 Month Jumbo Term Share Certificate	2.765%	2.80%	6 Month
Min Deposit $100,000 Min Balance $100,000 Details Rates effective 04/27/2026; IRA Share Certificates also listed; dividends paid monthly; penalty for early withdrawal Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
6 Month Term Share Certificate	2.668%	2.70%	6 Month
Min Deposit $1,000 Min Balance $1,000 Details Rates effective 04/27/2026; IRA Share Certificates also listed; dividends paid monthly; penalty for early withdrawal Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	2.277%	2.30%
Min Deposit $10,000 Min Balance $10,000 Details Rates effective 10/01/2026; minimum balance to earn standard rate is $10,000; balances under $10,000 earn Primary Savings share rate; requires new money to Southland transferred from another financial institution Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 2.05% → 2.30% ▲ 0.25 pts · high 2.30% / low 2.05% Oct 10, 20262.30%▲ from 2.05% Sep 14, 20262.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Health Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Rates effective 10/01/2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Holiday Club	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Rates effective 10/01/2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
IRA Savings	0.10%	0.10%
Min Deposit $0 Min Balance $0 Details Rates effective 10/01/2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Primary Savings	0.10%	0.10%
Min Deposit $25 Min Balance $25 Details Rates effective 10/01/2026; minimum deposit and minimum balance waived for new Members opting to pay a Membership Entrance fee Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	0.847%	0.85%
Min Deposit $150,000 Min Balance $150,000 Details Tier 6; Rates effective 04/27/2026; tiered rates based on account balance Last Updated 10/26/2026 Rate History No change since Oct 14, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Money Market Account	0.798%	0.80%
Min Deposit $100,000 Min Balance $100,000 Details Tier 5; Rates effective 04/27/2026; tiered rates based on account balance Last Updated 10/26/2026 Rate History No change since Oct 14, 2026 · 0.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Money Market Account	0.748%	0.75%
Min Deposit $10,000 Min Balance $10,000 Details Tier 3; Rates effective 04/27/2026; tiered rates based on account balance Last Updated 10/26/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Money Market Account	0.748%	0.75%
Min Deposit $50,000 Min Balance $50,000 Details Tier 4; Rates effective 04/27/2026; tiered rates based on account balance Last Updated 10/26/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Money Market Account	0.698%	0.70%
Min Deposit $2,500 Min Balance $2,500 Details Tier 2; Rates effective 04/27/2026; tiered rates based on account balance Last Updated 10/26/2026 Rate History No change since Oct 14, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Money Market Account	0.45%	0.45%
Min Deposit $0 Min Balance $0 Details Tier 1; Rates effective 04/27/2026; tiered rates based on account balance Last Updated 10/26/2026 Rate History No change since Oct 14, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Checking Rates

Product	Rate	APY
Interest Checking Account	1.786%	1.80%
Min Deposit $0 Min Balance $0 Details Tier 1; Balance: $0.00 - $10,000.00; Rates effective 10/01/2026; rates tiered based on balances Last Updated 10/26/2026 Rate History 1 change since Oct 1, 2026 · 1.55% → 1.80% ▲ 0.25 pts · high 1.80% / low 1.55% Oct 10, 20261.80%▲ from 1.55% Oct 1, 20261.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Interest Checking Account	0.10%	0.10%
Min Deposit $10,001 Min Balance $10,001 Details Tier 2; Balance: $10,001.00 and over; Rates effective 10/01/2026; rates tiered based on balances Last Updated 10/26/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Rates effective 04/27/2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
First Mortgage Adjustable Rate Mortgage (ARM) Conforming - 10/6 Mo ARM	6.00%	0.000	6.125%	120 Months
Details Start rate; Rate: 6.000% / 6.980%; Index: 1-Year SOFR; Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.13% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Adjustable Rate Mortgage (ARM) Conforming High-Balance Area - 10/6 Mo ARM	6.00%	0.000	6.125%	120 Months
Details Start rate; Rate: 6.000% / 6.980%; Index: 1-Year SOFR; Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.13% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming High-Balance Area - 15 Yr Fixed	6.375%	0.000	6.599%	15 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 6.72% → 6.60% ▼ 0.13 pts · high 6.72% / low 6.60% Oct 26, 20266.60%▼ from 6.72% Oct 19, 20266.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming High-Balance Area - 15 Yr Fixed	6.50%	-0.250	6.668%	15 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 6.79% → 6.67% ▼ 0.13 pts · high 6.79% / low 6.67% Oct 26, 20266.67%▼ from 6.79% Oct 19, 20266.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming Jumbo - 10 Yr Fixed	6.625%	0.000	6.668%	10 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 6.79% → 6.67% ▼ 0.13 pts · high 6.79% / low 6.67% Oct 26, 20266.67%▼ from 6.79% Oct 19, 20266.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming Jumbo - 15 Yr Fixed	6.625%	0.000	6.668%	15 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 6.79% → 6.67% ▼ 0.13 pts · high 6.79% / low 6.67% Oct 26, 20266.67%▼ from 6.79% Oct 19, 20266.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming - 10 Yr Fixed	6.50%	0.000	6.724%	10 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 6.85% → 6.72% ▼ 0.13 pts · high 6.85% / low 6.72% Oct 26, 20266.72%▼ from 6.85% Oct 19, 20266.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming Jumbo - 10 Yr Fixed	6.75%	-0.250	6.753%	10 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming Jumbo - 15 Yr Fixed	6.75%	-0.250	6.753%	15 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming - 15 Yr Fixed	6.625%	0.000	6.786%	15 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 6.91% → 6.79% ▼ 0.12 pts · high 6.91% / low 6.79% Oct 26, 20266.79%▼ from 6.91% Oct 19, 20266.91%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming - 10 Yr Fixed	6.625%	-0.250	6.794%	10 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming - 15 Yr Fixed	6.75%	-0.250	6.871%	15 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 6.87% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming - 20 Yr Fixed	6.875%	0.000	7.004%	20 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 7.13% → 7.00% ▼ 0.13 pts · high 7.13% / low 7.00% Oct 26, 20267.00%▼ from 7.13% Oct 19, 20267.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming - 20 Yr Fixed	7.00%	-0.375	7.081%	20 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 7.08% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
30 Year Fixed High-Balance	-	-	7.099%	30 Year
Details As Low As; APR* as low as 7.099%; Mortgage loan Last Updated 10/26/2026 Rate History 6 changes since Sep 14, 2026 · 6.97% → 7.10% ▲ 0.13 pts · high 7.48% / low 6.97% Oct 26, 20267.10%▼ from 7.23% Oct 19, 20267.23%▼ from 7.35% Oct 14, 20267.35%▼ from 7.48% Oct 2, 20267.48%▲ from 7.35% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming High-Balance Area - 30 Yr Fixed	7.00%	0.000	7.099%	30 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 7.23% → 7.10% ▼ 0.13 pts · high 7.23% / low 7.10% Oct 26, 20267.10%▼ from 7.23% Oct 19, 20267.23%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming High-Balance Area - 30 Yr Fixed	7.125%	-0.500	7.175%	30 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 7.30% → 7.18% ▼ 0.13 pts · high 7.30% / low 7.18% Oct 26, 20267.18%▼ from 7.30% Oct 19, 20267.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming Jumbo - 20 Yr Fixed	7.25%	0.000	7.276%	20 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 7.40% → 7.28% ▼ 0.13 pts · high 7.40% / low 7.28% Oct 26, 20267.28%▼ from 7.40% Oct 19, 20267.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming Jumbo - 30 Yr Fixed	7.25%	0.000	7.276%	30 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 7.40% → 7.28% ▼ 0.13 pts · high 7.40% / low 7.28% Oct 26, 20267.28%▼ from 7.40% Oct 19, 20267.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming - 30 Yr Fixed	7.25%	0.000	7.352%	30 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 7.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming Jumbo - 20 Yr Fixed	7.351%	-0.500	7.375%	20 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 7.50% → 7.38% ▼ 0.13 pts · high 7.50% / low 7.38% Oct 26, 20267.38%▼ from 7.50% Oct 19, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming Jumbo - 30 Yr Fixed	7.351%	-0.500	7.375%	30 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History 1 change since Oct 19, 2026 · 7.50% → 7.38% ▼ 0.13 pts · high 7.50% / low 7.38% Oct 26, 20267.38%▼ from 7.50% Oct 19, 20267.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
First Mortgage Fixed Conforming - 30 Yr Fixed	7.375%	-0.500	7.426%	30 years
Details Rates Effective 10/23/2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 7.43% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit (HELOC Advantage) - HELOC	7.00%	-	7.00%
Details 5-Year Fixed Rate; Prime + 0% Variable Rate (Prime Variable Index); Up to 70.00% LTV/CLTV advance policy; $500,000 maximum loan amount; $50 annual fee waived with minimum $10,000 outstanding balance; Closing costs waived (subject to change); Non-owner occupied add 1.25% with max LTV/CLTV of 70%; Rates Effective 09/17/2026 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Home Equity Line of Credit (HELOC Advantage) - HELOC B	7.25%	-	7.25%
Details 5-Year Fixed Rate; Prime + 0.25% Variable Rate (Prime Variable Index); 70.01-80.00% LTV/CLTV advance policy; $500,000 maximum loan amount; $50 annual fee waived with minimum $10,000 outstanding balance; Closing costs waived (subject to change); Non-owner occupied add 1.25% with max LTV/CLTV of 70%; Rates Effective 09/17/2026 Last Updated 10/26/2026 Rate History No change since Oct 26, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan - 36 Months	-	-	4.74%	36 Months
Details With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loan - 48 Months	-	-	4.74%	48 Months
Details With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loan - 60-66 Months	-	-	4.74%	60-66 months
Details With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loan - 36 Months	-	-	4.99%	36 Months
Details Without Autopay; 130% MSRP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 19, 20264.99%▲ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loan - 48 Months	-	-	4.99%	48 Months
Details Without Autopay; 130% MSRP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 19, 20264.99%▲ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loan - 60-66 Months	-	-	4.99%	60-66 months
Details Without Autopay; 130% MSRP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 19, 20264.99%▲ from 4.74% Sep 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loan - 72-78 Months	-	-	5.24%	72-78 months
Details With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loan - 36 Months	-	-	5.24%	36 Months
Details With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loan - 48 Months	-	-	5.24%	48 Months
Details With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loan - 60-66 Months	-	-	5.24%	60-66 months
Details With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loan - 72-78 Months	-	-	5.49%	72-78 months
Details Without Autopay; 130% MSRP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loan - 36 Months	-	-	5.49%	36 Months
Details Without Autopay; 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 19, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loan - 48 Months	-	-	5.49%	48 Months
Details Without Autopay; 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 19, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loan - 60-66 Months	-	-	5.49%	60-66 months
Details Without Autopay; 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 19, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loan - 72-78 Months	-	-	5.49%	72-78 months
Details With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 19, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loan - 84 Months	-	-	5.74%	84 Months
Details With Autopay (0.25% discount from qualified Southland checking account); 130% MSRP Advance Policy; Vehicles valued over $20,000 financed up to 84 months; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loan - 72-78 Months	-	-	5.74%	72-78 months
Details Without Autopay; 130% RKBB/JDP Advance Policy; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24% Oct 19, 20265.74%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Vehicle Loan - 84 Months	-	-	5.99%	84 Months
Details Without Autopay; 130% MSRP Advance Policy; Vehicles valued over $20,000 financed up to 84 months; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loan - 84 Months	-	-	5.99%	84 Months
Details With Autopay (0.25% discount from qualified Southland checking account); 130% RKBB/JDP Advance Policy; Vehicles valued over $20,000 financed up to 84 months; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Vehicle Loan - 84 Months	-	-	6.24%	84 Months
Details Without Autopay; 130% RKBB/JDP Advance Policy; Vehicles valued over $20,000 financed up to 84 months; Rates Effective 09/28/2026 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 6.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boat, Motorhome & Travel Trailer Loan	-	8.75%	120 months
Details With Autopay (.25% discount from qualified Southland checking account); 90% MSRP Maximum Terms; 180 Months Payment/$1,000 is a payment column (not a rate); Rates Effective 01/02/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Boat, Motorhome & Travel Trailer Loan	-	9.00%	120 months
Details Without Autopay; 90% MSRP Maximum Terms; Rates Effective 01/02/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Boat, Motorhome & Travel Trailer Loan	-	9.00%	120 months
Details With Autopay (.25% discount from qualified Southland checking account); 90% Wholesale Maximum Terms; Rates Effective 01/02/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Boat, Motorhome & Travel Trailer Loan	-	9.25%	120 months
Details Without Autopay; 90% Wholesale Maximum Terms; Rates Effective 01/02/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 9.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Motorcycle & Personal Watercraft Loan	-	9.49%	Up to 84 months
Details With Autopay (.25% discount from qualified Southland checking account); 110% MSRP Maximum Terms; 84 Months Payment/$1,000 is a payment column (not a rate); Rates Effective 03/05/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Motorcycle & Personal Watercraft Loan	-	9.74%	Up to 84 months
Details Without Autopay; 110% MSRP Maximum Terms; Rates Effective 03/05/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Motorcycle & Personal Watercraft Loan	-	9.74%	Up to 84 months
Details With Autopay (.25% discount from qualified Southland checking account); 110% Wholesale Maximum Terms; Rates Effective 03/05/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Motorcycle & Personal Watercraft Loan	-	9.99%	Up to 84 months
Details Without Autopay; 110% Wholesale Maximum Terms; Rates Effective 03/05/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

Southland Credit Union Personal Loan Rates

Product	APR	Term
New Motorcycle & Personal Watercraft Loan	9.49%	Up to 84 months
Details With Autopay (.25% discount from qualified Southland checking account); 110% MSRP Maximum Terms; 84 Months Payment/$1,000 is a payment column (not a rate); Rates Effective 03/05/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 9.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
New Motorcycle & Personal Watercraft Loan	9.74%	Up to 84 months
Details Without Autopay; 110% MSRP Maximum Terms; Rates Effective 03/05/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Motorcycle & Personal Watercraft Loan	9.74%	Up to 84 months
Details With Autopay (.25% discount from qualified Southland checking account); 110% Wholesale Maximum Terms; Rates Effective 03/05/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Used Motorcycle & Personal Watercraft Loan	9.99%	Up to 84 months
Details Without Autopay; 110% Wholesale Maximum Terms; Rates Effective 03/05/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Personal Line of Credit	11.74%
Details Revolving Maximum Term; Rates Effective 01/02/2025 Last Updated 10/26/2026 Rate History No change since Oct 19, 2026 · 11.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%
Signature Loan	11.74%	60 Months
Details 60 Months Maximum Term; Minimum advance for closed end signature loans is $1,000; Rates Effective 01/02/2025 Last Updated 10/26/2026 Rate History No change since Oct 14, 2026 · 11.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.49%

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.

Financial Health History

Southland Credit Union’s Texas Ratio rose from 4.43% in Q3 2023 to 10.49% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	10.49%	5.0	A
March 31, 2026	$1.3B	3.71%	5.0	A+
December 31, 2025	$1.3B	6.03%	5.0	A
September 30, 2025	$1.3B	7.10%	5.0	A
June 30, 2025	$1.3B	8.89%	5.0	A
March 31, 2025	$1.3B	4.36%	5.0	A+
December 31, 2024	$1.3B	4.40%	5.0	A+
September 30, 2024	$1.2B	3.87%	5.0	A+
June 30, 2024	$1.2B	4.15%	5.0	A+
March 31, 2024	$1.2B	3.55%	5.0	A+
December 31, 2023	$1.2B	3.61%	5.0	A+
September 30, 2023	$1.1B	4.43%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 Walter Finnigan

CEO Deena Otto

Full-Time Employees 164

Part-Time Employees 11

Branch Locations 9

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.49%

Return on Assets (ROA)

0.1611%

Return on Equity (ROE)

1.8932%

Non-Performing Loans Ratio (NPL)

1.48%

Total Assets

1,308,174,025

Total Amount of Shares and Deposits

1,051,515,739

Total Shares and Deposits < 1 Year

980,266,175

Total Shares and Deposits 1 3 Years

58,908,744

Total Shares and Deposits > 3 Years

12,340,821

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

84,474,273

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

84,474,273

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

967,041,466

Total Interest Expense (Sum of items 6 8)

10,180,373

Share Certificates

6,336

Number of Accounts for Share Drafts

48,824

IRA KEOGH Accounts

1,439

Number of Accounts for Regular Shares

81,591

All other shares

Non Member Deposits

Money Market Shares

2,880

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

153,171,739

Total Liabilities

1,219,986,034

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Southland Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Southland Credit Union

Does Southland Credit Union offer CDs?

Yes. Southland Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 26, 2026 include 3.75% APY on its 5 Year Jumbo Term CD, 3.65% APY on its 5 Year Term CD and 3.50% APY on its 4 Year Jumbo Term CD.

Are CDs from Southland Credit Union NCUA insured?

Yes. Southland Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Southland Credit Union?

The highest CD rate MonitorBankRates has verified for Southland Credit Union is 3.75% APY on its 5 Year Jumbo Term CD, as of October 26, 2026.

What CD terms does Southland Credit Union offer?

The Southland Credit Union CD terms MonitorBankRates tracks include 9 month, 12 month, 18 month, 2 year, 4 year and 5 year terms, with rates from 3.50% to 3.75% APY. The institution may offer other terms or specials that are not listed here, so check with Southland Credit Union for its full lineup.

What is the highest savings rate at Southland Credit Union?

The highest savings rate MonitorBankRates has verified for Southland Credit Union is 2.30% APY on its High Yield Savings, as of October 26, 2026.

What is the highest money market rate at Southland Credit Union?

The highest money market rate MonitorBankRates has verified for Southland Credit Union is 0.85% APY on its Money Market Account, as of October 26, 2026.

What is the highest checking rate at Southland Credit Union?

The highest checking rate MonitorBankRates has verified for Southland Credit Union is 1.80% APY on its Interest Checking Account, as of October 26, 2026.

What is the lowest 30 year fixed mortgage rate at Southland Credit Union?

The lowest 30 year fixed mortgage rate MonitorBankRates has verified for Southland Credit Union is 7.00% rate on its First Mortgage Fixed Conforming High-Balance Area - 30 Yr Fixed, as of October 26, 2026.

What is the lowest auto loan rate at Southland Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Southland Credit Union is 4.74% APR on its New Vehicle Loan - 36 Months, as of October 26, 2026.

What is the lowest personal loan rate at Southland Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Southland Credit Union is 9.49% APR on its New Motorcycle & Personal Watercraft Loan, as of October 26, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Southland Credit Union rates compare?

Southland Credit Union's top rates are 3.75% APY on its 5 Year Jumbo Term CD, 2.30% APY on its High Yield Savings, 0.85% APY on its Money Market Account, 1.80% APY on its Interest Checking Account, 6.00% on its First Mortgage Adjustable Rate Mortgage (ARM) Conforming - 10/6 Mo ARM and 9.49% APR on its New Motorcycle & Personal Watercraft Loan, verified by MonitorBankRates on October 26, 2026.

Current Southland Credit Union Rates

12-Month CD2.80%
18-Month CD3.50%
24-Month CD2.95%
60-Month CD3.65%
Savings2.30%
MMA0.85%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Southland Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Southland Credit Union Texas Ratio

Southland Credit Union Health Trend

Southland Credit Union CD Rates

Southland Credit Union Savings Rates

Southland Credit Union Money Market Rates

Southland Credit Union Checking Rates

Southland Credit Union Business Checking Rates

Southland Credit Union Mortgage Rates

Southland Credit Union Home Equity & HELOC

Southland Credit Union Auto Loan Rates

Southland Credit Union RV, Boat and Powersport Loan Rates

Southland Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Southland Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Southland Credit Union

Does Southland Credit Union offer CDs?

Are CDs from Southland Credit Union NCUA insured?

What is the highest CD rate at Southland Credit Union?

What CD terms does Southland Credit Union offer?

What is the highest savings rate at Southland Credit Union?

What is the highest money market rate at Southland Credit Union?

What is the highest checking rate at Southland Credit Union?

What is the lowest 30 year fixed mortgage rate at Southland Credit Union?

What is the lowest auto loan rate at Southland Credit Union?

What is the lowest personal loan rate at Southland Credit Union?

How many branches does Southland Credit Union operate?

Is a member application needed to join Southland Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Southland Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Southland Credit Union rates compare?

Current Southland Credit Union Rates

Compare to Other Credit Unions