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South Bay Credit Union has been proudly serving the community since 1953.  Anyone who lives, works or worships in the community known as South Bay can have an account with South Bay Credit Union.   We are proud of our roots, our ethics, our service and our unique design as financial cooperative.

South Bay Credit Union originally served the employees of the cities of Redondo Beach and Manhattan Beach and their families and was then known as  Centinela-South Bay Credit Union. Over the years, the Credit Union expanded its member groups to include other organizations throughout the South Bay area. This expansion primarily focused on the public sector, including local school districts, fire, and police departments.  In August 1993, the Credit Union changed its name to South Bay Credit Union.

In August 1998, Palos Verdes Schools FCU merged with SBCU and opened its second branch.   Palos Verdes Schools FCU (PVSFCU) had its own rich history.  Founded  in 1961 when the district unified as a K-12 District, the office was located in the area for many years where purchasing is now on campus.  The credit union served PVPUSD employees for 37 years before the members decided to seek a merger with South Bay Credit Union in order to access additional products and services.  Former PVPUSD teachers Jerry Gaines and Perry Lynn joined as South Bay Credit Union volunteers and still serve today.

After nearly a half century of serving the South Bay community, SBCU officially changed it charter and became a community-based credit union on February 28, 2002 open to serve all who live or work in the South Bay. 


South Bay Credit Union is guided by an all-member, volunteer Board of Directors and Supervisory Committee elected by the membership.  These non-paid volunteers govern Credit Union policy and a professional Management team oversees daily operations.   Click here to learn more about our volunteers, the cooperative structure and how you can participate in your credit union by volunteering to serve.

The executive team is responsible for running the day to day operations of the credit union.  The president/CEO is hired by the Board of Directors to oversee the operations and build the executive team. 

Executive Staff
Jennifer Oliver President/CEO
David Ellings VP of Lending
Don Steinman VP of Finance
Maricela Jauregui VP of Member Services

The Credit Union Difference

When you join a credit union you are becoming a part of a cooperative network of "People helping people."   In fact, credit unions exist to help people, not make a profit.  Credit union members nationwide save $6.3 billion a year by using a credit union because credit unions are not-for-profit institutions and they return earnings back to their members in the form of better rates and lower fees.  Without competition from credit unions, banks and other financial institutions could charge even higher fees, pay lower interest on savings and increase loan rates.   Find out more about the credit union difference.

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In the Community

As one of the founding pricinciples of the credit union movement, South Bay Credit Union believes in "people helping people."  See our community events page to read about our fundraising partners and events. 

Bank Holidays Observed

2015 Holiday Schedule

  • New Year's Day, Thursday, January 1
  • Martin Luther King Day, Monday, January 19
  • President's Day, Monday, February 16
  • Memorial Day, Monday, May 25
  • Independence Day, Friday, July 3
  • Labor Day, Monday, September 7
  • Columbus Day, Monday, October 12
  • Veterans Day, Wednesday, November 11
  • Thanksgiving Day, Thursday, November 26
  • Family Day, Friday, November 27
  • Christmas Eve, Thursday, December 24 - close at noon
  • Christmas Day, Friday, December 25
  • New Years Eve, Thursday, December 31 - close at noon

Copyright 2010-2013 South Bay Credit Union. All rights reserved.
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APR=Annual Percentage Rate. Sample auto loan of at 48 months, for well qualified borrowers. Sample 0.00% APR credit card balance
transfers for 6 months. Purchases and cash advances are subject to standard rates. All loans subject to borrower and property qualifications. Not all applicants
may be approved. Loan and deposit rates are subject to change without notice. Conditions, restrictions, and terms may apply.

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