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Fees & Charges
You might be asking, “If credit unions are not-for-profit, why do they charge fees?” As a not-for-profit cooperative, the only way we can raise money (ie. capital) is by charging interest on loans or by charging fees for services.   The money we earn is used to pay the expenses associated with providing service, paying interest on savings/investment accounts and the rest goes to capital.  
We keep our fees as low as possible! We are confident that if you compared our fees & charges list with the banks, you will see tremendous savings. 

We try to keep it fair. Some fees are pass-thru, some are directly related to the cost of providing the service, some are avoidable by changing behavior. We strive to offer as many options as possible, if you are concerned about a particular fee we charge, let’s talk about it. There may be other options.
We haven’t changed any fees in more than 2 years. We understand that the economy has been tough. We work hard to keep our credit union strong while being able to offer you even better services.

We don’t believe in hidden fees. We try to keep you informed along the way and provide you the tools to minimize the cost. 
Please let us know if you have any questions… or (310) 374-3436.

Access our current fee shedule here.

Disclosures & Account Agreements


Web Site Disclaimer

Disclaimer of Liability and Endorsement

The links provided on this site are for your convenience. This is in no way implies an endorsement by South Bay Credit Union, as South Bay Credit Union does not maintain the sites and is not responsible for the content or availability of any linked site. Any issues arising from the content, the use of, or the inability to access these sites should be directed to the actual site owner.

With respect to the documents or services which may become available from this server, neither South Bay Credit Union nor any of its employees makes any warranty, express or implied, including the warranties of merchantability and fitness for a particular purpose, nor assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, product, service, or process disclosed.

In addition, any reference herein to any specific commercial product, process or service by manufacturer, trademark, trade name, or otherwise, does not constitute nor imply South Bay Credit Union's endorsement or recommendation.

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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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