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 Southland Credit Union Rates & Review September 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.
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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 and Verified: September 3, 2026
Southland Credit Union's Jumbo Term CDs & IRA CDs 5 Year rates are at 3.75%, Term CDs & IRA CDs 5 Year rates are at 3.65%, 18-Month Limited Time Only Promotional CD rates are at 3.50%, 9-Month Limited Time Only Promotional CD rates are at 3.50%, Jumbo Term CDs & IRA CDs 4 Year rates are at 3.50%. 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 3/6 Mo ARM rates are at 5.62%, 5/6 Mo ARM rates are at 5.75%, 7/6 Mo ARM rates are at 6.00%, 10/6 Mo ARM rates are at 6.12%, 5/5 Yr ARM rates are at 5.88%. 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 3.71%. Rates last updated and verified on 09/03/2026. 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. Southland Credit Union
Los Alamitos Branch 10701 Los Alamitos Blvd
https://www.southlandcu.org Los Alamitos, CA 90720 
Southland Credit Union CD Rates
Southland Credit Union Savings Rates
Southland Credit Union Money Market Rates
Southland Credit Union Checking Rates
Southland Credit Union Mortgage Rates
Southland Credit Union Home Equity & HELOC
Southland Credit Union Auto Loan Rates
Southland Credit Union Personal Loan Rates
Financial Health HistorySouthland Credit Union’s Texas Ratio fell from 5.06% in Q2 2023 to 3.71% in Q1 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under 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 threshold
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
171
Part-Time Employees
15
Branch Locations
12
ATM Locations
8
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
3.71%
Return on Assets (ROA)
0.1157%
Return on Equity (ROE)
1.3509%
Non-Performing Loans Ratio (NPL)
0.49%
Total Assets
1,292,891,510
Total Amount of Shares and Deposits
1,067,283,241
Total Shares and Deposits < 1 Year
1,002,118,043
Total Shares and Deposits 1 3 Years
51,516,813
Total Shares and Deposits > 3 Years
13,648,385
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
86,849,117
Total Uninsured Shares and Deposits > $250K (F+J)
86,849,117
Total Insured Shares and Deposits > $250K (item 17 less item K)
980,434,124
Total Interest Expense (Sum of items 6 8)
5,232,189
Share Certificates
6,122
Number of Accounts for Share Drafts
48,425
IRA KEOGH Accounts
1,485
Number of Accounts for Regular Shares
81,800
All other shares
33
Non Member Deposits
1
Money Market Shares
2,892
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)
73,342,363
Total Liabilities
1,204,470,107
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Southland Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Southland Credit UnionHow 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. Current Southland Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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