Best Credit Union Savings and Money Market Rates in Santa Ana, California, CA October 31, 2025

You are viewing savings rates from credit unions in Santa Ana, California

or View rates from local credit unions

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

Santa Ana, CA - October 31, 2025

Savings Account National Average Rate: 0.44% ^?

Credit Unions	APY	MIN
CHEVRON Br#5 Brea Branch Restrictions	7.00%	$25	Learn More Add Review
FINANCIAL PARTNERS Financial Partners Branch Restrictions	4.01% 1.00%	$0 $1,000	Learn More Add Review
NUVISION Nuvision Branch Restrictions	4.00% 2.00% 1.60% 1.00% 0.95% 0.75% 0.70% 0.65% 0.55%	$0 $1,001 $50,000 $5,001 $100,000 $75,000 $25,000 $10,000 $2,500	Learn More Add Review
BAXTER Brea Branch Restrictions	4.00% 0.40% 0.30% 0.15% 0.10% 0.05%	$15,000 $500,000 $250,000 $100,000 $25,000 $1,000	Learn More Add Review
12 Month Introductory Rate
PARTNERS Partners Branch Restrictions	3.50% 3.40% 3.25% 1.55% 1.30% 1.05%	$500,000 $250,000 $100,000 $50,000 $25,000 $2,500	Learn More Add Review
CHEVRON Br#5 Brea Branch Restrictions	3.40% 3.30% 0.75%	$25,000 $2,500 $0	Learn More Add Review
Rate History: 3.75% → 4.00% → 3.60% → 3.40%
SELF-HELP El Monte Branch Restrictions	3.32%	$500	Learn More
northcape5 \| Sep 27, 2016 why have you not updated your rates Read More Reviews (1)
ALLIANT Restrictions	3.10%	$100	Learn More
Gaius Gracchus \| Mar 22, 2024 Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More Reviews (5)
NAVY FEDERAL CREDIT UNION Fountain Valley Branch Restrictions	2.15% 1.95% 1.75% 1.60% 1.45% 1.06% 1.00% 0.90%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
AMERICAN AIRLINES Aafcu - Sna Branch Restrictions	2.02%	$5	Learn More
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
BAXTER Brea Branch Restrictions	2.00% 1.50% 0.01%	$25,000 $25 $0	Learn More Add Review
Rate History: 2.50% → 2.00%
SCHOOLSFIRST Downey Branch Restrictions	1.50% 1.00% 0.75%	$100,000 $10,000 $2,000	Learn More Add Review
Rate History: 1.30% → 1.50%
ALTURA Altura Branch Restrictions	1.42% 1.22% 1.12%	$50,000 $10,000 $0	Learn More Add Review
Rate History: 1.25% → 1.30% → 1.35% → 1.40% → 1.42%
THE GOLDEN 1 Ontario Branch Restrictions	1.00%	$10,000	Learn More Add Review
WESCOM CENTRAL Signal Hill Branch Restrictions	0.85% 0.75% 0.65% 0.55% 0.45% 0.35%	$250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More Add Review
Rate History: 2.00% → 1.90% → 1.75% → 0.85%
LONG BEACH FIREMEN S Long Beach Firemen S Branch Restrictions	0.80%	$2,500	Learn More Add Review
CAPSTONE Capstone Federal Credit Union Branch	0.80%	$25,000	Learn More Add Review
CALIFORNIA Downey Branch Restrictions	0.75% 0.55%	$10,000 $2,500	Learn More Add Review
UNIFY FINANCIAL Western Branch Restrictions	0.75% 0.70% 0.65% 0.60%	$100,000 $50,000 $10,000 $2,500	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
CAPSTONE Capstone Federal Credit Union Branch	0.70%	$2,500	Learn More Add Review
ALTURA Altura Branch Restrictions	0.60% 0.10%	$10,000 $0	Learn More Add Review
SCE Sce Branch Restrictions	0.55%	$25,000	Learn More Add Review
KINECTA Nix 464 Long Beach Blvd & Compton Blvd Branch Restrictions	0.50% 0.40% 0.25% 0.20% 0.15%	$100,000 $50,000 $10,000 $2,500 $0	Learn More
BTM1st \| Apr 19, 2021 Anyone is better than dealing with these guys! It's amazing how they work. And I've had loans off and on for 30 years. Their website and support are horrible. Their ability to track and appropriatel... Read More Reviews (2)
TRUGROCER Trugrocer Branch Restrictions	0.40%	$25,000	Learn More Add Review
SCE Sce Branch Restrictions	0.35%	$2,500	Learn More Add Review
LA FINANCIAL Norwalk Branch Restrictions	0.30%	$10,000	Learn More Add Review
SELF-HELP El Monte Branch Restrictions	0.30% 0.10%	$100 $25	Learn More
northcape5 \| Sep 27, 2016 why have you not updated your rates Read More Reviews (1)
CHAFFEY Chaffey Branch Restrictions	0.30%	$10,000	Learn More Add Review
LBS FINANCIAL Lbs Financial Branch Restrictions	0.30%	$25,000	Learn More Add Review
EAGLE COMMUNITY City Of Industry Branch Restrictions	0.30%	$25,000	Learn More Add Review
PARTNERS Partners Branch Restrictions	0.30% 0.05%	$100 $0	Learn More Add Review
STAR USA Restrictions	0.25%	$50,000	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
ARROWHEAD CENTRAL Arrowhead Central Branch Restrictions	0.25%	$25,000	Learn More Add Review
NUVISION Nuvision Branch Restrictions	0.25% 0.15% 0.10% 0.05%	$100 $50 $5 $10	Learn More Add Review
EAGLE COMMUNITY City Of Industry Branch Restrictions	0.25%	$10,000	Learn More Add Review
NAVY FEDERAL CREDIT UNION Fountain Valley Branch Restrictions	0.25%	$5	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
SCE Sce Branch Restrictions	0.20%	$2,500	Learn More Add Review
TRUGROCER Trugrocer Branch Restrictions	0.20%	$2,500	Learn More Add Review
FINANCIAL PARTNERS Financial Partners Branch Restrictions	0.20% 0.15% 0.10% 0.05%	$250,000 $50,000 $100 $0	Learn More Add Review
LBS FINANCIAL Lbs Financial Branch Restrictions	0.20%	$2,500	Learn More Add Review
LOS ANGELES Los Angeles Branch Restrictions	0.20%	$25,000	Learn More Add Review
EDU Restrictions	0.20%	$0	Learn More Add Review
EAGLE COMMUNITY City Of Industry Branch Restrictions	0.20%	$2,500	Learn More Add Review
THE GOLDEN 1 Ontario Branch Restrictions	0.20% 0.10% 0.05%	$100,000 $10,000 $1	Learn More Add Review
SAN DIEGO COUNTY Branch 26 Laguna Niguel Restrictions	0.20% 0.15% 0.05%	$100,000 $50,000 $100	Learn More Add Review
CALIFORNIA AGRIBUSINESS Yamaha Buena Park Branch Restrictions	0.15%	$2,500	Learn More Add Review
ORANGE COUNTY'S Orange County's Branch Restrictions	0.15%	$25,000	Learn More Add Review
CERTIFIED Vons Employees Branch Restrictions	0.15%	$10,000	Learn More Add Review
STAR USA Restrictions	0.15%	$2,500	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
ARROWHEAD CENTRAL Arrowhead Central Branch Restrictions	0.15%	$1	Learn More Add Review
LOS ANGELES Los Angeles Branch Restrictions	0.15%	$2,500	Learn More Add Review
THE FIRST FINANCIAL Lakewood Branch	0.15%	$25,000	Learn More Add Review
LA FINANCIAL Norwalk Branch Restrictions	0.15%	$2,500	Learn More Add Review
RANCHO Rancho Branch Restrictions	0.12%	$2,500	Learn More Add Review
EL MONTE COMMUNITY El Monte City Employ Branch Restrictions	0.10%	$2,500	Learn More Add Review
SOUTHLAND Southland Branch Restrictions	0.10%	$10,000	Learn More Add Review
AMERICAN FIRST Buena Park Branch Restrictions	0.10%	$2,500	Learn More Add Review
ORANGE COUNTY'S Orange County's Branch Restrictions	0.10%	$2,500	Learn More Add Review
THE FIRST FINANCIAL Lakewood Branch	0.10%	$10,000	Learn More Add Review
ARROWHEAD CENTRAL Arrowhead Central Branch Restrictions	0.10%	$2,000	Learn More Add Review
STAR USA Restrictions	0.10%	$10	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
CERTIFIED Vons Employees Branch Restrictions	0.10%	$2,500	Learn More Add Review
LBS FINANCIAL Lbs Financial Branch Restrictions	0.10%	$2,500	Learn More Add Review
SCHOOLSFIRST Downey Branch Restrictions	0.10%	$5	Learn More Add Review
CHAFFEY Chaffey Branch Restrictions	0.10%	$2,500	Learn More Add Review
EAGLE COMMUNITY City Of Industry Branch Restrictions	0.10%	$2,500	Learn More Add Review
TRUGROCER Trugrocer Branch Restrictions	0.10%	$2,500	Learn More Add Review
UNIFY FINANCIAL Western Branch Restrictions	0.10%	$5	Learn More
dapatton@pacbell.net \| May 12, 2016 19 what, years or months Read More Reviews (1)
LOS ANGELES Los Angeles Branch Restrictions	0.10%	$2,500	Learn More Add Review
RANCHO Rancho Branch Restrictions	0.08%	$2,500	Learn More Add Review
CAPSTONE Capstone Federal Credit Union Branch	0.07%	$2,500	Learn More Add Review
CALIFORNIA AGRIBUSINESS Yamaha Buena Park Branch Restrictions	0.05%	$2,500	Learn More Add Review
SOUTHLAND Southland Branch Restrictions	0.05%	$2,500	Learn More Add Review
ORANGE COUNTY'S Orange County's Branch Restrictions	0.05%	$2,500	Learn More Add Review
CERTIFIED Vons Employees Branch Restrictions	0.05%	$2,500	Learn More Add Review
STAR USA Restrictions	0.05%	$5	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
LA FINANCIAL Norwalk Branch Restrictions	0.05%	$2,500	Learn More Add Review
CAMINO Montebello Branch Restrictions	0.05%	$2,500	Learn More Add Review
CALIFORNIA Downey Branch Restrictions	0.05%	$100	Learn More Add Review
THE FIRST FINANCIAL Lakewood Branch	0.05%	$2,500	Learn More Add Review
KINECTA Nix 464 Long Beach Blvd & Compton Blvd Branch Restrictions	0.05%	$5	Learn More
BTM1st \| Apr 19, 2021 Anyone is better than dealing with these guys! It's amazing how they work. And I've had loans off and on for 30 years. Their website and support are horrible. Their ability to track and appropriatel... Read More Reviews (2)
EL MONTE COMMUNITY El Monte City Employ Branch Restrictions	0.05%	$2,500	Learn More Add Review
CAMINO Montebello Branch Restrictions	0.03%	$2,500	Learn More Add Review
THE FIRST FINANCIAL Lakewood Branch	0.03%	$2,500	Learn More Add Review
EDU Restrictions	0.01%	$1	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Local Banks →

See rates for Online Banks →

Branches Info around Santa-ana, California

Branch	Street	City	State
CHEVRON Br#5 Brea Br#5 Brea Branch	145 S State College Blvd	Brea	CA
FINANCIAL PARTNERS Financial Partners Financial Partners Branch	7800 E. Imperial Highway	Downey	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
BAXTER Brea Brea Branch	250 S Kraemer Blvd	Brea	CA
PARTNERS Partners Partners Branch	700 W. Ball Road	Anaheim	CA
PARTNERS Partners Partners Branch	700 W. Ball Road	Anaheim	CA
CHEVRON Br#5 Brea Br#5 Brea Branch	145 S State College Blvd	Brea	CA
SELF-HELP El Monte El Monte Branch	10918 Valley Blvd	El Monte	CA
CHEVRON Br#5 Brea Br#5 Brea Branch	145 S State College Blvd	Brea	CA
PARTNERS Partners Partners Branch	700 W. Ball Road	Anaheim	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
AMERICAN AIRLINES Aafcu - Sna Aafcu - Sna Branch	18017 Sky Park Cir Ste A	Irvine	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
BAXTER Brea Brea Branch	250 S Kraemer Blvd	Brea	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
PARTNERS Partners Partners Branch	700 W. Ball Road	Anaheim	CA
BAXTER Brea Brea Branch	250 S Kraemer Blvd	Brea	CA
SCHOOLSFIRST Downey Downey Branch	9125 Imperial Hwy Ste A	Downey	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
ALTURA Altura Altura Branch	16035 Robin Way	City of Industry	CA
PARTNERS Partners Partners Branch	700 W. Ball Road	Anaheim	CA
ALTURA Altura Altura Branch	16035 Robin Way	City of Industry	CA
ALTURA Altura Altura Branch	16035 Robin Way	City of Industry	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
PARTNERS Partners Partners Branch	700 W. Ball Road	Anaheim	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
THE GOLDEN 1 Ontario Ontario Branch	2254 S Euclid Ave Ste A	Ontario	CA
FINANCIAL PARTNERS Financial Partners Financial Partners Branch	7800 E. Imperial Highway	Downey	CA
SCHOOLSFIRST Downey Downey Branch	9125 Imperial Hwy Ste A	Downey	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
WESCOM CENTRAL Signal Hill Signal Hill Branch	2600 Cherry Ave	Signal Hill	CA
LONG BEACH FIREMEN S Long Beach Firemen S Long Beach Firemen S Branch	2245 Argonne Ave	Long Beach	CA
CAPSTONE Capstone Federal Credit Union Capstone Federal Credit Union Branch	3 POLARIS WAY STE 31B	ALISO VIEJO	CA
CALIFORNIA Downey Downey Branch	9300 IMPERIAL HWY	DOWNEY	CA
WESCOM CENTRAL Signal Hill Signal Hill Branch	2600 Cherry Ave	Signal Hill	CA
UNIFY FINANCIAL Western Western Branch	7801 Edinger Ave	Huntington Beach	CA
SCHOOLSFIRST Downey Downey Branch	9125 Imperial Hwy Ste A	Downey	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
CHEVRON Br#5 Brea Br#5 Brea Branch	145 S State College Blvd	Brea	CA
CAPSTONE Capstone Federal Credit Union Capstone Federal Credit Union Branch	3 POLARIS WAY STE 31B	ALISO VIEJO	CA
UNIFY FINANCIAL Western Western Branch	7801 Edinger Ave	Huntington Beach	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
WESCOM CENTRAL Signal Hill Signal Hill Branch	2600 Cherry Ave	Signal Hill	CA
UNIFY FINANCIAL Western Western Branch	7801 Edinger Ave	Huntington Beach	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
ALTURA Altura Altura Branch	16035 Robin Way	City of Industry	CA
UNIFY FINANCIAL Western Western Branch	7801 Edinger Ave	Huntington Beach	CA
WESCOM CENTRAL Signal Hill Signal Hill Branch	2600 Cherry Ave	Signal Hill	CA
RIZE Sce Sce Branch	3200 Mulford Avenue	Lynwood	CA
CALIFORNIA Downey Downey Branch	9300 IMPERIAL HWY	DOWNEY	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
KINECTA Nix 464 Long Beach Blvd & Compton Blvd Nix 464 Long Beach Blvd & Compton Blvd Branch	121 S LONG BEACH BLVD STE B	COMPTON	CA
WESCOM CENTRAL Signal Hill Signal Hill Branch	2600 Cherry Ave	Signal Hill	CA
BAXTER Brea Brea Branch	250 S Kraemer Blvd	Brea	CA
TRUGROCER Trugrocer Trugrocer Branch	341 E. Imperial Highway	Fullerton	CA
KINECTA Nix 464 Long Beach Blvd & Compton Blvd Nix 464 Long Beach Blvd & Compton Blvd Branch	121 S LONG BEACH BLVD STE B	COMPTON	CA
RIZE Sce Sce Branch	3200 Mulford Avenue	Lynwood	CA
WESCOM CENTRAL Signal Hill Signal Hill Branch	2600 Cherry Ave	Signal Hill	CA
LA FINANCIAL Norwalk Branch Norwalk Branch	12125 Imperial Hwy Ste A1	Norwalk	CA
SELF-HELP El Monte El Monte Branch	10918 Valley Blvd	El Monte	CA
BAXTER Brea Brea Branch	250 S Kraemer Blvd	Brea	CA
CHAFFEY Chaffey Chaffey Branch	210 N First St	La Puente	CA
LBS FINANCIAL Lbs Financial Lbs Financial Branch	4436 Atlantic Ave	Long Beach	CA
EAGLE COMMUNITY City Of Industry Branch City Of Industry Branch	15421 E Gale Ave	City of Industry	CA
PARTNERS Partners Partners Branch	700 W. Ball Road	Anaheim	CA
ARROWHEAD CENTRAL Arrowhead Central Arrowhead Central Branch	12099 Central Avenue	Chino	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
KINECTA Nix 464 Long Beach Blvd & Compton Blvd Nix 464 Long Beach Blvd & Compton Blvd Branch	121 S LONG BEACH BLVD STE B	COMPTON	CA
EAGLE COMMUNITY City Of Industry Branch City Of Industry Branch	15421 E Gale Ave	City of Industry	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
RIZE Sce Sce Branch	3200 Mulford Avenue	Lynwood	CA
TRUGROCER Trugrocer Trugrocer Branch	341 E. Imperial Highway	Fullerton	CA
FINANCIAL PARTNERS Financial Partners Financial Partners Branch	7800 E. Imperial Highway	Downey	CA
LBS FINANCIAL Lbs Financial Lbs Financial Branch	4436 Atlantic Ave	Long Beach	CA
LOS ANGELES Los Angeles Los Angeles Branch	9204 Flair Drive	El Monte	CA
EAGLE COMMUNITY City Of Industry Branch City Of Industry Branch	15421 E Gale Ave	City of Industry	CA
KINECTA Nix 464 Long Beach Blvd & Compton Blvd Nix 464 Long Beach Blvd & Compton Blvd Branch	121 S LONG BEACH BLVD STE B	COMPTON	CA
THE GOLDEN 1 Ontario Ontario Branch	2254 S Euclid Ave Ste A	Ontario	CA
SAN DIEGO COUNTY Branch 26 Laguna Niguel Branch 26 Laguna Niguel	32341 Golden Lantern Ste A	Laguna Niguel	CA
CENTER CITY COMMUNITY Yamaha Buena Park Yamaha Buena Park Branch	6600 Orangethorpe Ave	Buena Park	CA
SAN DIEGO COUNTY Branch 26 Laguna Niguel Branch 26 Laguna Niguel	32341 Golden Lantern Ste A	Laguna Niguel	CA
ORANGE COUNTY'S Orange County's Orange County's Branch	1800 Ximeno Ave Ste. 101C	Long Beach	CA
BAXTER Brea Brea Branch	250 S Kraemer Blvd	Brea	CA
CERTIFIED Vons Employees Vons Employees Branch	12801 Excelsior Dr.	Santa Fe Springs	CA
ARROWHEAD CENTRAL Arrowhead Central Arrowhead Central Branch	12099 Central Avenue	Chino	CA
LOS ANGELES Los Angeles Los Angeles Branch	9204 Flair Drive	El Monte	CA
THE FIRST FINANCIAL Lakewood Branch Lakewood Branch	4018 Hardwick ST	Lakewood	CA
LA FINANCIAL Norwalk Branch Norwalk Branch	12125 Imperial Hwy Ste A1	Norwalk	CA
FINANCIAL PARTNERS Financial Partners Financial Partners Branch	7800 E. Imperial Highway	Downey	CA
KINECTA Nix 464 Long Beach Blvd & Compton Blvd Nix 464 Long Beach Blvd & Compton Blvd Branch	121 S LONG BEACH BLVD STE B	COMPTON	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
RANCHO Rancho Rancho Branch	12620 Erickson Ave Ste H	Downey	CA
EL MONTE COMMUNITY El Monte City Employ El Monte City Employ Branch	11333 Valley Blvd	El Monte	CA
BAXTER Brea Brea Branch	250 S Kraemer Blvd	Brea	CA
SOUTHLAND Southland Southland Branch	8545 Florence Ave.	Downey	CA
AMERICAN FIRST Buena Park Buena Park Branch	6011 Lincoln Ave Ste B	Buena Park	CA
ORANGE COUNTY'S Orange County's Orange County's Branch	1800 Ximeno Ave Ste. 101C	Long Beach	CA
THE FIRST FINANCIAL Lakewood Branch Lakewood Branch	4018 Hardwick ST	Lakewood	CA
ARROWHEAD CENTRAL Arrowhead Central Arrowhead Central Branch	12099 Central Avenue	Chino	CA
CERTIFIED Vons Employees Vons Employees Branch	12801 Excelsior Dr.	Santa Fe Springs	CA
ALTURA Altura Altura Branch	16035 Robin Way	City of Industry	CA
THE GOLDEN 1 Ontario Ontario Branch	2254 S Euclid Ave Ste A	Ontario	CA
LBS FINANCIAL Lbs Financial Lbs Financial Branch	4436 Atlantic Ave	Long Beach	CA
FINANCIAL PARTNERS Financial Partners Financial Partners Branch	7800 E. Imperial Highway	Downey	CA
SCHOOLSFIRST Downey Downey Branch	9125 Imperial Hwy Ste A	Downey	CA
CHAFFEY Chaffey Chaffey Branch	210 N First St	La Puente	CA
EAGLE COMMUNITY City Of Industry Branch City Of Industry Branch	15421 E Gale Ave	City of Industry	CA
TRUGROCER Trugrocer Trugrocer Branch	341 E. Imperial Highway	Fullerton	CA
UNIFY FINANCIAL Western Western Branch	7801 Edinger Ave	Huntington Beach	CA
LOS ANGELES Los Angeles Los Angeles Branch	9204 Flair Drive	El Monte	CA
SELF-HELP El Monte El Monte Branch	10918 Valley Blvd	El Monte	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
RANCHO Rancho Rancho Branch	12620 Erickson Ave Ste H	Downey	CA
CAPSTONE Capstone Federal Credit Union Capstone Federal Credit Union Branch	3 POLARIS WAY STE 31B	ALISO VIEJO	CA
BAXTER Brea Brea Branch	250 S Kraemer Blvd	Brea	CA
CENTER CITY COMMUNITY Yamaha Buena Park Yamaha Buena Park Branch	6600 Orangethorpe Ave	Buena Park	CA
SOUTHLAND Southland Southland Branch	8545 Florence Ave.	Downey	CA
ORANGE COUNTY'S Orange County's Orange County's Branch	1800 Ximeno Ave Ste. 101C	Long Beach	CA
CERTIFIED Vons Employees Vons Employees Branch	12801 Excelsior Dr.	Santa Fe Springs	CA
PARTNERS Partners Partners Branch	700 W. Ball Road	Anaheim	CA
THE GOLDEN 1 Ontario Ontario Branch	2254 S Euclid Ave Ste A	Ontario	CA
LA FINANCIAL Norwalk Branch Norwalk Branch	12125 Imperial Hwy Ste A1	Norwalk	CA
CAMINO Montebello Montebello Branch	520 N Taylor Ave	Montebello	CA
SAN DIEGO COUNTY Branch 26 Laguna Niguel Branch 26 Laguna Niguel	32341 Golden Lantern Ste A	Laguna Niguel	CA
CALIFORNIA Downey Downey Branch	9300 IMPERIAL HWY	DOWNEY	CA
THE FIRST FINANCIAL Lakewood Branch Lakewood Branch	4018 Hardwick ST	Lakewood	CA
KINECTA Nix 464 Long Beach Blvd & Compton Blvd Nix 464 Long Beach Blvd & Compton Blvd Branch	121 S LONG BEACH BLVD STE B	COMPTON	CA
FINANCIAL PARTNERS Financial Partners Financial Partners Branch	7800 E. Imperial Highway	Downey	CA
NUVISION Nuvision Nuvision Branch	2400 E. WARDLOW RD, BLDG 54	LONG BEACH	CA
EL MONTE COMMUNITY El Monte City Employ El Monte City Employ Branch	11333 Valley Blvd	El Monte	CA
CAMINO Montebello Montebello Branch	520 N Taylor Ave	Montebello	CA
THE FIRST FINANCIAL Lakewood Branch Lakewood Branch	4018 Hardwick ST	Lakewood	CA
BAXTER Brea Brea Branch	250 S Kraemer Blvd	Brea	CA

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates. You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.