Best Credit Union Savings and Money Market Rates in Torrance, California, CA November 4, 2025

You are viewing savings rates from credit unions in Torrance, California

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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.

Torrance, CA - November 4, 2025

Savings Account National Average Rate: 0.44% ^?

Credit Unions	APY	MIN
CHEVRON Br#9 El Segundo Branch Restrictions	7.00%	$25	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 Baxter Branch Restrictions	4.00% 0.30% 0.15% 0.10% 0.05%	$15,000 $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#9 El Segundo 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 Laxcu Branch 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)
L.A. HEALTHCARE St Vincents Branch	2.50%	$1,000	Learn More Add Review
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 - Lax Branch Restrictions	2.02%	$5	Learn More
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
BAXTER Baxter Branch Restrictions	2.00% 1.50% 0.01%	$25,000 $25 $0	Learn More Add Review
Rate History: 2.50% → 2.00%
SCHOOLSFIRST Schoolsfirst 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%
NORTHROP GRUMMAN Es-1 Bldg Branch Restrictions	1.40%	$2,500	Learn More Add Review
Rate History: 1.70% → 1.55% → 1.40%
THE GOLDEN 1 Los Angeles Branch Restrictions	1.00%	$10,000	Learn More Add Review
WESCOM CENTRAL Wescom Central 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
F & A F & A Branch Restrictions	0.75%	$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)
ALTURA Altura Branch Restrictions	0.60% 0.10%	$10,000 $0	Learn More Add Review
HONDA Honda Branch Restrictions	0.60%	$25,000	Learn More Add Review
SCE Sce Branch Restrictions	0.55%	$25,000	Learn More Add Review
F & A F & A Branch Restrictions	0.50%	$2,500	Learn More Add Review
HONDA Honda Branch Restrictions	0.50%	$10,000	Learn More Add Review
UNIVERSAL CITY STUDIOS Universal City Studi Branch Restrictions	0.40%	$10,000	Learn More Add Review
USC Campus Center Branch (university Park Campus) Restrictions	0.40%	$10,000	Learn More Add Review
NORTHROP GRUMMAN Es-1 Bldg Branch Restrictions	0.40%	$5	Learn More Add Review
Rate History: 0.45% → 0.40%
HONDA Honda Branch Restrictions	0.35%	$2,500	Learn More Add Review
SCE Sce Branch Restrictions	0.35%	$2,500	Learn More Add Review
CREDIT UNION OF SOUTHERN CALIFORNIA Alhambra Branch Restrictions	0.35% 0.30%	$15,000 $2,500	Learn More Add Review
GAIN Burbank City Branch Restrictions	0.30%	$10,000	Learn More Add Review
UNIVERSAL CITY STUDIOS Universal City Studi Branch Restrictions	0.30%	$2,500	Learn More Add Review
LA FINANCIAL La Financial 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
ENERGY ONE Energy One Branch Restrictions	0.30%	$25,000	Learn More Add Review
FIRST CITY Los Angeles Branch Restrictions	0.30%	$25,000	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
MEDIA CITY Media City Community Branch Restrictions	0.25%	$10,000	Learn More Add Review
GAIN Burbank City Branch Restrictions	0.25%	$2,500	Learn More Add Review
PASADENA Pasadena Branch Restrictions	0.25%	$10,000	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)
XCEED FINANCIAL Xceed Financial Branch Restrictions	0.25%	$10,000	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
FIRST CITY Los Angeles 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)
MEDIA CITY Media City Community Branch Restrictions	0.20%	$2,500	Learn More Add Review
UME Burbank Community Branch Restrictions	0.20%	$10,000	Learn More Add Review
ENERGY ONE Energy One Branch Restrictions	0.20%	$2,500	Learn More Add Review
SCE Sce Branch Restrictions	0.20%	$2,500	Learn More Add Review
SOUTH BAY South Bay Branch Restrictions	0.20%	$10,000	Learn More Add Review
LBS FINANCIAL Lbs Financial Branch Restrictions	0.20%	$2,500	Learn More Add Review
XCEED FINANCIAL Xceed Financial Branch Restrictions	0.20%	$2,500	Learn More Add Review
EDU Restrictions	0.20%	$0	Learn More Add Review
FIRST CITY Los Angeles Branch Restrictions	0.20%	$2,500	Learn More Add Review
EAGLE COMMUNITY City Of Industry Branch Restrictions	0.20%	$2,500	Learn More Add Review
JUSTICE Justice Branch Restrictions	0.20%	$25,000	Learn More Add Review
THE GOLDEN 1 Los Angeles Branch Restrictions	0.20% 0.10% 0.05%	$100,000 $10,000 $1	Learn More Add Review
UME Burbank Community Branch Restrictions	0.15%	$2,500	Learn More Add Review
CALIFORNIA AGRIBUSINESS Yamaha Buena Park Branch Restrictions	0.15%	$2,500	Learn More Add Review
PASADENA Pasadena Branch Restrictions	0.15%	$2,500	Learn More Add Review
HONDA Honda 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
JUSTICE Justice Branch Restrictions	0.15%	$2,500	Learn More Add Review
CERTIFIED Vons Employees Branch Restrictions	0.15%	$10,000	Learn More Add Review
CLEARPATH Clearpath Branch Restrictions	0.15%	$2,500	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)
UNIVERSAL CITY STUDIOS Universal City Studi Branch Restrictions	0.15%	$2,500	Learn More Add Review
USC Campus Center Branch (university Park Campus) Restrictions	0.15%	$2,500	Learn More Add Review
AIRCO Airco Fcu Branch	0.15%	$2,500	Learn More Add Review
THE FIRST FINANCIAL Torrance Branch	0.15%	$25,000	Learn More Add Review
LA FINANCIAL La Financial Branch Restrictions	0.15%	$2,500	Learn More Add Review
ENERGY ONE Energy One Branch Restrictions	0.15%	$2,500	Learn More Add Review
SOUTH BAY South Bay 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
FIRST CITY Los Angeles Branch Restrictions	0.10%	$2,500	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
CREDIT UNION OF SOUTHERN CALIFORNIA Alhambra Branch Restrictions	0.10%	$500	Learn More Add Review
UME Burbank Community Branch Restrictions	0.10%	$2,500	Learn More Add Review
THE FIRST FINANCIAL Torrance Branch	0.10%	$10,000	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)
USC Campus Center Branch (university Park Campus) Restrictions	0.10%	$2,500	Learn More Add Review
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 Schoolsfirst 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
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)
RANCHO Rancho Branch Restrictions	0.08%	$2,500	Learn More Add Review
CALIFORNIA AGRIBUSINESS Yamaha Buena Park Branch Restrictions	0.05%	$2,500	Learn More Add Review
GAIN Burbank City Branch Restrictions	0.05%	$2,500	Learn More Add Review
PASADENA Pasadena Branch Restrictions	0.05%	$2,500	Learn More Add Review
SOUTHLAND Southland Branch Restrictions	0.05%	$2,500	Learn More Add Review
MEDIA CITY Media City Community 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 La Financial Branch Restrictions	0.05%	$2,500	Learn More Add Review
CAMINO Montebello Branch Restrictions	0.05%	$2,500	Learn More Add Review
XCEED FINANCIAL Xceed Financial Branch Restrictions	0.05%	$2,500	Learn More Add Review
THE FIRST FINANCIAL Torrance Branch	0.05%	$2,500	Learn More Add Review
SOUTH BAY South Bay Branch Restrictions	0.05%	$2,500	Learn More Add Review
EL MONTE COMMUNITY El Monte City Employ Branch Restrictions	0.05%	$2,500	Learn More Add Review
JUSTICE Justice Branch Restrictions	0.05%	$2,500	Learn More Add Review
CLEARPATH Clearpath Branch Restrictions	0.04%	$2,500	Learn More Add Review
CAMINO Montebello Branch Restrictions	0.03%	$2,500	Learn More Add Review
THE FIRST FINANCIAL Torrance 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.

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Branches Info around Torrance, California

Branch	Street	City	State
CHEVRON Br#9 El Segundo Br#9 El Segundo Branch	324 W El Segundo Blvd	El Segundo	CA
NUVISION Nuvision Nuvision Branch	555 W. Fifth St., 17th Floor	Los Angeles	CA
BAXTER Baxter Baxter Branch	4501 Colorado Blvd	Los Angeles	CA
PARTNERS Partners Partners Branch	2411 W. Olive Avenue	Burbank	CA
PARTNERS Partners Partners Branch	2411 W. Olive Avenue	Burbank	CA
CHEVRON Br#9 El Segundo Br#9 El Segundo Branch	324 W El Segundo Blvd	El Segundo	CA
SELF-HELP El Monte El Monte Branch	10918 Valley Blvd	El Monte	CA
CHEVRON Br#9 El Segundo Br#9 El Segundo Branch	324 W El Segundo Blvd	El Segundo	CA
PARTNERS Partners Partners Branch	2411 W. Olive Avenue	Burbank	CA
ALLIANT Laxcu Laxcu Branch	909 N Sepulveda Blvd	El Segundo	CA
L.A. HEALTHCARE St Vincents Branch St Vincents Branch	2131 W 3rd St Ste 842	Los Angeles	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
AMERICAN AIRLINES Aafcu - Lax Aafcu - Lax Branch	400 World Way	Los Angeles	CA
NUVISION Nuvision Nuvision Branch	555 W. Fifth St., 17th Floor	Los Angeles	CA
BAXTER Baxter Baxter Branch	4501 Colorado Blvd	Los Angeles	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	555 W. Fifth St., 17th Floor	Los Angeles	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
PARTNERS Partners Partners Branch	2411 W. Olive Avenue	Burbank	CA
BAXTER Baxter Baxter Branch	4501 Colorado Blvd	Los Angeles	CA
SCHOOLSFIRST Schoolsfirst Schoolsfirst Branch	15706 Crenshaw Blvd	Gardena	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
NORTHROP GRUMMAN Es-1 Bldg Es-1 Bldg Branch	201 N Douglas St	El Segundo	CA
PARTNERS Partners Partners Branch	2411 W. Olive Avenue	Burbank	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	2411 W. Olive Avenue	Burbank	CA
NUVISION Nuvision Nuvision Branch	555 W. Fifth St., 17th Floor	Los Angeles	CA
THE GOLDEN 1 Los Angeles Los Angeles Branch	320 W 4th St Ste 123	Los Angeles	CA
SCHOOLSFIRST Schoolsfirst Schoolsfirst Branch	15706 Crenshaw Blvd	Gardena	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
NUVISION Nuvision Nuvision Branch	555 W. Fifth St., 17th Floor	Los Angeles	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
WESCOM CENTRAL Wescom Central Wescom Central Branch	5000 Van Nuys Blvd	Sherman Oaks	CA
LONG BEACH FIREMEN S Long Beach Firemen S Long Beach Firemen S Branch	2245 Argonne Ave	Long Beach	CA
F & A F & A F & A Branch	2625 CORPORATE PLACE	MONTEREY PARK	CA
WESCOM CENTRAL Wescom Central Wescom Central Branch	5000 Van Nuys Blvd	Sherman Oaks	CA
UNIFY FINANCIAL Western Western Branch	8632 S. Sepulveda Blvd	Los Angeles	CA
SCHOOLSFIRST Schoolsfirst Schoolsfirst Branch	15706 Crenshaw Blvd	Gardena	CA
NUVISION Nuvision Nuvision Branch	555 W. Fifth St., 17th Floor	Los Angeles	CA
CHEVRON Br#9 El Segundo Br#9 El Segundo Branch	324 W El Segundo Blvd	El Segundo	CA
UNIFY FINANCIAL Western Western Branch	8632 S. Sepulveda Blvd	Los Angeles	CA
NUVISION Nuvision Nuvision Branch	555 W. Fifth St., 17th Floor	Los Angeles	CA
WESCOM CENTRAL Wescom Central Wescom Central Branch	5000 Van Nuys Blvd	Sherman Oaks	CA
UNIFY FINANCIAL Western Western Branch	8632 S. Sepulveda Blvd	Los Angeles	CA
NUVISION Nuvision Nuvision Branch	555 W. Fifth St., 17th Floor	Los Angeles	CA
ALTURA Altura Altura Branch	16035 Robin Way	City of Industry	CA
HONDA Honda Honda Branch	1919 Torrance Blvd	Torrance	CA
UNIFY FINANCIAL Western Western Branch	8632 S. Sepulveda Blvd	Los Angeles	CA
WESCOM CENTRAL Wescom Central Wescom Central Branch	5000 Van Nuys Blvd	Sherman Oaks	CA
RIZE Sce Sce Branch	3200 Mulford Avenue	Lynwood	CA
NUVISION Nuvision Nuvision Branch	555 W. Fifth St., 17th Floor	Los Angeles	CA
F & A F & A F & A Branch	2625 CORPORATE PLACE	MONTEREY PARK	CA
HONDA Honda Honda Branch	1919 Torrance Blvd	Torrance	CA
WESCOM CENTRAL Wescom Central Wescom Central Branch	5000 Van Nuys Blvd	Sherman Oaks	CA
UNIVERSAL CITY STUDIOS Universal City Studi Universal City Studi Branch	90 Universal City Plaza	Universal City	CA
USC Campus Center Branch (university Park Campus) Campus Center Branch (university Park Campus)	3601 Trousdale Pkwy Ste 106	Los Angeles	CA
NORTHROP GRUMMAN Es-1 Bldg Es-1 Bldg Branch	201 N Douglas St	El Segundo	CA
HONDA Honda Honda Branch	1919 Torrance Blvd	Torrance	CA
RIZE Sce Sce Branch	3200 Mulford Avenue	Lynwood	CA
WESCOM CENTRAL Wescom Central Wescom Central Branch	5000 Van Nuys Blvd	Sherman Oaks	CA
CREDIT UNION OF SOUTHERN CALIFORNIA Alhambra Branch Alhambra Branch	900 S Fremont Ave	Alhambra	CA
GAIN Burbank City Burbank City Branch	1800 W. Magnolia Blvd	Burbank	CA
UNIVERSAL CITY STUDIOS Universal City Studi Universal City Studi Branch	90 Universal City Plaza	Universal City	CA
LA FINANCIAL La Financial La Financial Branch	1520 W Colorado Blvd	Pasadena	CA
SELF-HELP El Monte El Monte Branch	10918 Valley Blvd	El Monte	CA
BAXTER Baxter Baxter Branch	4501 Colorado Blvd	Los Angeles	CA
CREDIT UNION OF SOUTHERN CALIFORNIA Alhambra Branch Alhambra Branch	900 S Fremont Ave	Alhambra	CA
CHAFFEY Chaffey Chaffey Branch	210 N First St	La Puente	CA
ENERGY ONE Energy One Energy One Branch	10889 Wilshire Blvd, Ste 1070	Los Angeles	CA
FIRST CITY Los Angeles Los Angeles Branch	717 W Temple St	Los Angeles	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	2411 W. Olive Avenue	Burbank	CA
MEDIA CITY Media City Community Media City Community Branch	1020 West Olive Avenue	Burbank	CA
GAIN Burbank City Burbank City Branch	1800 W. Magnolia Blvd	Burbank	CA
PASADENA Pasadena Pasadena Branch	1038 South Fair Oaks Avenue	Pasadena	CA
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	460 N. Sepulveda Blvd. Suite C	El Segundo	CA
NUVISION Nuvision Nuvision Branch	555 W. Fifth St., 17th Floor	Los Angeles	CA
EAGLE COMMUNITY City Of Industry Branch City Of Industry Branch	15421 E Gale Ave	City of Industry	CA
FIRST CITY Los Angeles Los Angeles Branch	717 W Temple St	Los Angeles	CA
NAVY FEDERAL CREDIT UNION Fountain Valley Fountain Valley Branch	18709 Brookhurst St	Fountain Valley	CA
MEDIA CITY Media City Community Media City Community Branch	1020 West Olive Avenue	Burbank	CA
UME Burbank Community Burbank Community Branch	3000 W. Magnolia Blvd.	Burbank	CA
ENERGY ONE Energy One Energy One Branch	10889 Wilshire Blvd, Ste 1070	Los Angeles	CA
RIZE Sce Sce Branch	3200 Mulford Avenue	Lynwood	CA
SOUTH BAY South Bay South Bay Branch	2304 Artesia Blvd.	Redondo Beach	CA
LBS FINANCIAL Lbs Financial Lbs Financial Branch	4436 Atlantic Ave	Long Beach	CA
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	460 N. Sepulveda Blvd. Suite C	El Segundo	CA
FIRST CITY Los Angeles Los Angeles Branch	717 W Temple St	Los Angeles	CA
EAGLE COMMUNITY City Of Industry Branch City Of Industry Branch	15421 E Gale Ave	City of Industry	CA
JUSTICE Justice Justice Branch	11000 Wilshire Blvd, Suite C205	Los Angeles	CA
THE GOLDEN 1 Los Angeles Los Angeles Branch	320 W 4th St Ste 123	Los Angeles	CA
UME Burbank Community Burbank Community Branch	3000 W. Magnolia Blvd.	Burbank	CA
CENTER CITY COMMUNITY Yamaha Buena Park Yamaha Buena Park Branch	6600 Orangethorpe Ave	Buena Park	CA
PASADENA Pasadena Pasadena Branch	1038 South Fair Oaks Avenue	Pasadena	CA
HONDA Honda Honda Branch	1919 Torrance Blvd	Torrance	CA
ORANGE COUNTY'S Orange County's Orange County's Branch	1800 Ximeno Ave Ste. 101C	Long Beach	CA
BAXTER Baxter Baxter Branch	4501 Colorado Blvd	Los Angeles	CA
JUSTICE Justice Justice Branch	11000 Wilshire Blvd, Suite C205	Los Angeles	CA
CERTIFIED Vons Employees Vons Employees Branch	618 Michillinda	Arcadia	CA
CLEARPATH Clearpath Clearpath Branch	340 Arden Ave	Glendale	CA
UNIVERSAL CITY STUDIOS Universal City Studi Universal City Studi Branch	90 Universal City Plaza	Universal City	CA
USC Campus Center Branch (university Park Campus) Campus Center Branch (university Park Campus)	3601 Trousdale Pkwy Ste 106	Los Angeles	CA
AIRCO Airco Fcu Airco Fcu Branch	6265 San Fernando RD	Glendale	CA
THE FIRST FINANCIAL Torrance Branch Torrance Branch	21207 Hawthorne BLVD Unit 107-41	Torrance	CA
LA FINANCIAL La Financial La Financial Branch	1520 W Colorado Blvd	Pasadena	CA
ENERGY ONE Energy One Energy One Branch	10889 Wilshire Blvd, Ste 1070	Los Angeles	CA
SOUTH BAY South Bay South Bay Branch	2304 Artesia Blvd.	Redondo Beach	CA
NUVISION Nuvision Nuvision Branch	555 W. Fifth St., 17th Floor	Los Angeles	CA
RANCHO Rancho Rancho Branch	630 Shatto Pl.	Los Angeles	CA
EL MONTE COMMUNITY El Monte City Employ El Monte City Employ Branch	11333 Valley Blvd	El Monte	CA
BAXTER Baxter Baxter Branch	4501 Colorado Blvd	Los Angeles	CA
SOUTHLAND Southland Southland Branch	200 S Spring St	Los Angeles	CA
FIRST CITY Los Angeles Los Angeles Branch	717 W Temple St	Los Angeles	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
CREDIT UNION OF SOUTHERN CALIFORNIA Alhambra Branch Alhambra Branch	900 S Fremont Ave	Alhambra	CA
UME Burbank Community Burbank Community Branch	3000 W. Magnolia Blvd.	Burbank	CA
THE FIRST FINANCIAL Torrance Branch Torrance Branch	21207 Hawthorne BLVD Unit 107-41	Torrance	CA
USC Campus Center Branch (university Park Campus) Campus Center Branch (university Park Campus)	3601 Trousdale Pkwy Ste 106	Los Angeles	CA
CERTIFIED Vons Employees Vons Employees Branch	618 Michillinda	Arcadia	CA
ALTURA Altura Altura Branch	16035 Robin Way	City of Industry	CA
THE GOLDEN 1 Los Angeles Los Angeles Branch	320 W 4th St Ste 123	Los Angeles	CA
LBS FINANCIAL Lbs Financial Lbs Financial Branch	4436 Atlantic Ave	Long Beach	CA
SCHOOLSFIRST Schoolsfirst Schoolsfirst Branch	15706 Crenshaw Blvd	Gardena	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
UNIFY FINANCIAL Western Western Branch	8632 S. Sepulveda Blvd	Los Angeles	CA
SELF-HELP El Monte El Monte Branch	10918 Valley Blvd	El Monte	CA
NUVISION Nuvision Nuvision Branch	555 W. Fifth St., 17th Floor	Los Angeles	CA
RANCHO Rancho Rancho Branch	630 Shatto Pl.	Los Angeles	CA
BAXTER Baxter Baxter Branch	4501 Colorado Blvd	Los Angeles	CA
CENTER CITY COMMUNITY Yamaha Buena Park Yamaha Buena Park Branch	6600 Orangethorpe Ave	Buena Park	CA
GAIN Burbank City Burbank City Branch	1800 W. Magnolia Blvd	Burbank	CA
PASADENA Pasadena Pasadena Branch	1038 South Fair Oaks Avenue	Pasadena	CA
SOUTHLAND Southland Southland Branch	200 S Spring St	Los Angeles	CA
MEDIA CITY Media City Community Media City Community Branch	1020 West Olive Avenue	Burbank	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	618 Michillinda	Arcadia	CA
PARTNERS Partners Partners Branch	2411 W. Olive Avenue	Burbank	CA
THE GOLDEN 1 Los Angeles Los Angeles Branch	320 W 4th St Ste 123	Los Angeles	CA
LA FINANCIAL La Financial La Financial Branch	1520 W Colorado Blvd	Pasadena	CA
CAMINO Montebello Montebello Branch	520 N Taylor Ave	Montebello	CA
XCEED FINANCIAL Xceed Financial Xceed Financial Branch	460 N. Sepulveda Blvd. Suite C	El Segundo	CA
THE FIRST FINANCIAL Torrance Branch Torrance Branch	21207 Hawthorne BLVD Unit 107-41	Torrance	CA
NUVISION Nuvision Nuvision Branch	555 W. Fifth St., 17th Floor	Los Angeles	CA
SOUTH BAY South Bay South Bay Branch	2304 Artesia Blvd.	Redondo Beach	CA
EL MONTE COMMUNITY El Monte City Employ El Monte City Employ Branch	11333 Valley Blvd	El Monte	CA
JUSTICE Justice Justice Branch	11000 Wilshire Blvd, Suite C205	Los Angeles	CA
CLEARPATH Clearpath Clearpath Branch	340 Arden Ave	Glendale	CA
CAMINO Montebello Montebello Branch	520 N Taylor Ave	Montebello	CA
THE FIRST FINANCIAL Torrance Branch Torrance Branch	21207 Hawthorne BLVD Unit 107-41	Torrance	CA
BAXTER Baxter Baxter Branch	4501 Colorado Blvd	Los Angeles	CA

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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.