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Expect the Unexpected: Why You Need an Emergency Fund
Having money on hand to cover unexpected bills is good for your financial health. Learn about starting an emergency fund.
Here to Help You Thrive
Access the financial tools and resources you need to succeed, today and tomorrow.
Open an Account LoginOur Members Get More
Capitalize on the benefits of living, working, or worshiping in the South Bay area.
Open an Account Login
Here to Help You Thrive
Access the financial tools and resources you need to succeed, today and tomorrow.
Open an Account Login
Our Members Get More
Capitalize on the benefits of living, working, or worshiping in the South Bay area.
Open an Account Login
Here to Help You Thrive
Access the financial tools and resources you need to succeed, today and tomorrow.
Open an AccountOur Members Get More
Capitalize on the benefits of living, working, or worshiping in the South Bay area.
Open an Account
Here to Help You Thrive
Access the financial tools and resources you need to succeed, today and tomorrow.
Open an AccountOur Members Get More
Capitalize on the benefits of living, working, or worshiping in the South Bay area.
Open an Account
Why Choose South Bay Credit Union?
Ever since we opened our doors in the early 1950s, we’ve been passionate about empowering our members to live their best lives. As a not-for-profit credit union, we’re here to serve our members – not shareholders. That means we’re able to provide better rates, fewer fees, and more valuable benefits to empower our members to live better and do better.
With a full suite of personal and business banking solutions, powerful digital tools, and unparalleled member benefits, South Bay Credit Union is the preferred financial institution for individuals, families, and businesses in the South Bay. Anyone who lives, works, or worships in the South Bay community is welcome to join.
Master Your Money
South Bay Credit Union puts you in control of your money with everyday banking solutions. From checking accounts to home mortgages, credit cards to auto loans, our members have access to the tools they need to achieve their financial goals, now and in the future.
The Credit Union Difference
We’re committed to uplifting the communities we serve. Here are a few ways we help our members to live better and do better.
03600+
Employee volunteer hours were given to make an impact.
020+
Local organizations received donations or sponsorships.
$0150000+
Has been raised for the Children’s Miracle Network.
What Our Members Have to Say
The right financial partner makes all the difference. Find out why individuals, families, and businesses in the South Bay community trust South Bay Credit Union to help achieve their goals.
I just joined South Bay Credit Union and love everything that they stand for! They are here to support the South Bay Community and everyone there is so helpful, available, and kind! Also, as a younger person I love how they are open to teaching about financial literacy.
Mackie
I live around the corner, so I decided to go in for an auto loan. I was blown away at the exceptional service I received. I was helped right away and able to get my new car the same day. The whole process was so smooth and easy. Highly recommended!
Alan
From the first time that we walked into South Bay Credit Union we were greeted with a welcome that was sincere. They worked with us to purchase a home when we didn’t think it was possible. Their services such as bill pay, low interest credit accounts, etc. are exceptional and we trust them sincerely.
Sue
Get Started Today
Enjoy better rates, fewer fees, and the truly personal service you deserve as a member of the South Bay community.
Build Your Business
Simple Cash Management
Keep payables and receivables running smoothly with business accounts and cash management services from South Bay Credit Union. We offer the tools you need to make business money management a breeze.
Build Your Business
Easy Business Financing
Start or grow a business you can be proud of with streamlined access to capital. At South Bay Credit Union, we’ll help you improve your cash flow because we recognize that growing businesses help our community thrive, and successful business owners reinvest in our neighborhoods in many ways.
Build Your Business
Free Employee Benefits
Attract and retain better employees by enriching your benefits package with credit union benefits at no cost to you. Your employees will enjoy a lifetime South Bay Credit Union membership plus plenty of free benefits like direct deposit, checking account, Visa® debit card, online banking, mobile app, and credit score evaluations.
Learn & Grow With Us
7 Ways to Improve Your Credit Score
Learn seven ways you can raise your credit score and improve creditworthiness.
Master Your Money in 2026: Budgeting Basics
Learn the essential basics of budgeting, plus practical tips designed to foster better money habits.
Learn & Grow With Us
Expect the Unexpected: Why You Need an Emergency Fund
What Is an Emergency Fund? Let’s start with the basics: An emergency fund is cash that you keep separate from your other savings to help you deal with unexpected life events and emergencies. Keep in mind that your emergency fund should be used only for true emergencies. Don’t use it as a vacation fund >>
7 Ways to Improve Your Credit Score
Achieving and maintaining a good credit score makes all the difference in qualifying for loans and a mortgage, getting a better rate on a car loan and car insurance, and so much more. But building a good credit score takes time and sound fiscal management. If your credit score has taken a hit or you >>
Master Your Money in 2026: Budgeting Basics
Budgeting Is for the Best Budgeting is a crucial step toward financial empowerment, offering you clarity and control over your finances. Here’s how a well-planned budget can transform your financial life: Identify wasteful spending. Uncover and address your budget busters – those small, frequent expenses that quietly drain your wallet. Make savvy money moves. Gain >>
