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Home Branches & Locations About Us Contact Us Savings, Money Market, Certificates

South Bay Credit Union offers savings and investment accounts designed to make your money work harder.

The Membership Share Account is an important first account as it provides access to all other Credit Union services and conveniences. Credit Union member/ownership is established with your Membership Share Account. One “share” of ownership – a low $5 minimum balance – must remain on deposit at all times to qualify you as a member/owner. Membership Share Accounts earn competitive dividends which are paid monthly. And, the more you save, the higher your dividend rate.

Need Account Assistance?
To open a Membership Share Account, simply fill out a Signature Card and return it to the Credit Union with your minimum $5 opening deposit.

Share Certificates
Do you have an extra $1,000+ that you won't need to use soon? A certificate is the perfect way to use your money knowing you'll be earning top dollar. A South Bay Credit Union Certificate gives you an even better interest rate on your money than you would get in a savings account because we know that the money won’t be withdrawn for an extended period.  Certificates are often referred to as CDs, non-liquid accounts, or time deposits. Almost all banks offer certificates, but with our Certificate, you'll get a rate of return that is far above

 industry averages.   More details...

Holiday Account
To help you save for holiday expenses, South Bay Credit Union offers a convenient Holiday Club Account. Open this account at any time. It will earn dividends until it matures in November.

Money Market
South Bay Credit Union’s Money Market Account (MMA) earns higher dividends in exchange for the higher minimum opening balance requirement of $2,500. And, not only is this higher-earning account a great investment option, it also offers CHECK ACCESS, with up to three (3) no-fee checks per month! Dividends are paid monthly. Rates are subject to change.

Investment Advisory Services
South Bay Credit Union does not offer these services in house, however, we established a referral partnership with an independent advisor that will provide a discount for services to South Bay Credit Union members.  Click here for more details.  

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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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