CU SoCal Offers 7% APY Share Certificate Through Year-End

Credit Union of Southern California (CU SoCal) has unveiled a limited-time share certificate paying 7% annual percentage yield over a seven-month term, the Anaheim Hills-based institution announced Wednesday. The offer is available to members through December 31, 2026, positioning it as one of the more competitive deposit rates in the current market environment.

Share certificates, the credit union equivalent of bank certificates of deposit, lock in a fixed rate for a set period in exchange for keeping funds on deposit. A 7% APY at a seven-month horizon represents a notably elevated return compared with prevailing national averages, offering savers a defined window to maximize yield on idle cash before the promotion expires.

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CU SoCal framed the product as a direct tool for members to accelerate earnings on their deposits, though the institution did not disclose a minimum deposit requirement or membership eligibility details in the initial announcement. Prospective participants are encouraged to confirm terms directly with the credit union ahead of the December deadline.

The launch reflects a broader trend among credit unions leveraging promotional certificate rates to attract and retain deposit balances in a competitive savings landscape. With the offer set to close at year-end, members have roughly two and a half months to take advantage of the rate before it expires.

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