Personal Banking
You're a person, not a number.
We’re for people with plans, whatever they are. We all love to
dream bigger, brighter and always better. We’ll work with you to
make that dream, however crazy, a reality.
We’re for people with plans, whatever they are. We all love to
dream bigger, brighter and always better. We’ll work with you to
make that dream, however crazy, a reality.
We’ve got a loan for every need… or want.
Get behind the wheel of your new ride or just new-to-you.
1Estimated monthly payment per $1,000 on a 60-month term at 3.99% APR is $18.42 and subject to change.
Our CULA (Credit Union Leasing of America) participating dealers can help you find the car and assist you through the leasing process. Here’s how it works…
Chrysler Dodge Jeep & Ram
Envision Chrysler Dodge Jeep & Ram
298 N Azusa Ave, West Covina • 626.784.4899
Orange Coast Chrysler Dodge Jeep & Ram
2927 Harbor Blvd, Costa Mesa 92626 • 714.587.6200
Russell Westbrook Chrysler Dodge Jeep & Ram
6110 Van Nuys Blvd, Van Nuys 91401 • 818.646.2364
Tuttle Click Chrysler Dodge Jeep & Ram
40 Auto Center Dr, Irvine • 949.472.7400
Tuttle Click Chrysler Dodge Jeep & Ram
40 Auto Center Dr, Tustin • 714.604.2369
Ford Lincoln Mercury
Caruso Ford
3500 Cherry Ave, Long Beach • 562.384.1065
Huntington Beach Ford
18255 Beach Blvd, Huntington Beach CA • 714.786.5662
Norm Reeves Ford Superstore
18900 Studebaker Rd, Cerritos • 562.353.4633
Honda
Norm Reeves Honda Superstore
16 Auto Center Dr, Irvine • 949.540.1830
Infiniti
Norm Reeves Cerritos Infiniti
18818 Studebaker Rd, Cerritos • 562.345.1333
Toyota
Cody’s Tustin Toyota
36 Auto Center Dr, Tustin • 714.832.3111
Volkswagen
Norm Reeves Volkswagen Superstore
20 Auto Center Dr, Irvine • 949.382.7063
Chrysler Dodge Jeep & Ram
Chapman Las Vegas Dodge Chrysler Jeep Ram
3470 Boulder Hwy, Las Vegas • 702.457.1061
Chapman Chrysler Jeep
930 Auto Show Dr, Henderson • 702.558.3000
Your adventure starts here! Let us help you make memories of a lifetime.
1Estimated monthly payment per $1,000 on a 12-month term at 5.49% APR is $85.84 and subject to change.
Platinum Apply for a Visa | Secured Platinum Apply for a Visa | |
---|---|---|
Perfect for... | those who want a great card with the lowest APR | those establishing or re-establishing credit |
Introductory rate Loan Rates | 2.90% for six billing cycles1 | |
Annual fee | $0 | $0 |
Limit amounts | $250 to $50,000 | $250 to $50,000 |
Balance transfers & cash advances | 3% fee ($10 minimum) | |
Digital Banking Digital Banking & Security | ||
Identity theft protection | ||
Extended purchase warranties | ||
Travel and rental insurance |
1Standard introductory period is six billing cycles, after which balances are converted to a variable rate that varies with the market based on Prime Rate plus a margin. Foreign Transaction fee is 1%.
Do more with your home! You’ve put a lot into it… now let it return the favor.
Interest-Only HELOC Call Us to Apply | Traditional HELOC Call Us to Apply | Home Equity Loan Call Us to Apply | |
---|---|---|---|
Perfect for... | those who want more time to repay | those who want funds as needed | those who want funds up front |
Rate type Loan Rates | Variable | Variable | Fixed |
Limit amounts | $25k to $250k1 | $25k to $250k2 | $25k to $250k3 |
Owner Occupied LTV4 Non-Owner Occupied LTV | Up to 80% NA | Up to 80% Up to 70% | Up to 80% Up to 70% |
Draw period | 10 years | 10 years | NA |
Repayment period | Up to 20 years | Up to 10 years | Up to 20 years |
Prepayment penalty | None | None | None |
Digital Banking Digital Banking & Security |
1Rates range from 7.75% to 9.50% APR based on Prime Rate and creditworthiness. Prime Rate as of 12.15.22 is 7.50% APR. APR = Annual Percentage Rate. No annual rate cap and lifetime rate cap of 18.00%. 2Rates range from 6.25% to 11.25% APR for owner occupied and 7.25% to 9.25% APR for non-owner occupied; based on Prime Rate and creditworthiness. Prime Rate as of 12.15.22 is 7.50% APR. APR = Annual Percentage Rate. Annual rate cap is 2.00%; lifetime rate cap is 6.00% above the initial rate at the time of funding. 3Estimated monthly payment based on a $25,000 loan for 5 years at 5.50% APR is $477.52 and subject to change. APR = Annual Percentage Rate. Processing fees can range from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply subject to type and evaluation of property, ownership and lien status. 4LTV = Loan to Value
Down payment and closing cost assistance for homebuyers through several programs to help you get into a home with little or no money down.
1Community Mortgage Funding (CMF) is our Credit Union owned mortgage company, licensed by the following: Department of Business Oversight, California Finance License #6039200; Nevada Exempt Company Registration #4721. CMF NMLS# 266418
Make your home energy smart.
Energy Loans1 Call Us to Apply | |
---|---|
Perfect for... | those creating a sustainable home |
Variety of loan options | |
No down payment | |
No prepayment penalty |
1Loan secured by a UCC filing.
We get it, life happens. And sometimes that means your credit score might need a little help.
Credit Builder is a loan designed to help those with no credit or colorful credit.
Here’s how it works…
1Amount of funds made available to withdraw is based on payment amount, interest paid, and dividends earned.
A little extra cash when you need it.
Line of Credit Apply for a Loan | Signature Loan Apply for a Loan | Certificate-Secured Loan Apply for a Loan | |
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Perfect for... | those who want to use the funds as needed | those who want all of the funds up front | those who want to borrow against their Certificate savings |
Limit amounts | $250 to $25,0001 | $500 to $50,00012 | 100% of funds on deposit |
Terms Loan Rates | Variable loan | Fixed loan from 12 to 60 months3 | Fixed loan4 |
Digital Banking Digital Banking & Security |
1Loan amount based on creditworthiness and ability to repay. 2Debt consolidation may require financial counseling. 3Estimated monthly payment per $1,000 on a 24-month term at 8.50% APR is $45.46 and subject to change. 4Interest must be paid annually, if not on a repayment plan.
Give her the celebration of her dreams, without losing sleep over how to pay for it.
Applying is easy – with a valid Social Security number or ITIN.
1Maximum loan amount based on individual qualifications and ability to repay. 2Estimated monthly payment per $1,000 on a 12-month term at 8.50% APR is $87.20 and subject to change. Rates as low as 8.5% APR as of 12.8.22 on terms up to 24 months; rates subject to change and are based on individual credit. Longer terms available at higher rates with set minimum loan amounts.
Lucy at the Sahara branch in Las Vegas exemplified what customer service is truly all about and missing in so many places.
Orlando G
1.27.23 Google
Very great experience at this bank. Especially our banker, Leslie at the Boyle Heights branch. She went above and beyond to get our finances in order.
Maribel L
1.10.23 Google
I've been hearing for some time about how good SCE Credit Union is toward its members. I decided, because of the good experience of a friend, to become part of the family. I'm glad to be here and look forward to many years of mutual satisfaction. Customer service is the greatest currency any company can have. Thus far, things have been exceptional.
Mitchell B
1.4.23 Google
My story goes back to when the Credit Union was still part of IBEW back in the 60's. I was 3rd gen SCE and retired after 42 years. 120+ family years . The Credit Union has always been there for me with great service and never a mistake on their part. Now in retirement it's great to know my finances are secure from any outside theft. I have had many loans starting way back when the application was all on paper. Now it's just a phone call away. So glad I started here so many years ago.
Steven F
12.31.22
I've banked with them nearly 10 years now, and they always exceed expectations in every way. This is a more personal style of banking... the way it used to be everywhere. Patience is sometimes required, but is always richly rewarded. The SCE web service has improved nicely over the years, and I can't think of anything I need from a bank that they don't offer. They care more than most, and always try harder than the rest.
David P
Yelp 12.27.22
SCE Credit Union has been with me from the start of my financial journey. They financed my first car and were there for my family, too. Through the years, I've appreciated their customer service and the way they recognize me when I walk through the door. The branch manager at Ontario is awesome! She's the reason I keep all my savings with the Credit Union. She customizes and works the products to fit my lifestyle and I trust the integrity of this bank!
Lorena C
12.23.22
I love SCE Credit Union. I've been a member for about 10 years - the customer service has always been A-1! They helped me open a corporate account and made my day.
Damion R
12.19.22
After 40+ years with WellsFargo, I decided to move my account to SCE FCU in Irwindale at my daughter’s suggestion. My WF debit card had an opening date of 8/70. Didn’t care. Best move I ever made. Great customer service. Kudos to the branch manager, George Silva, and his staff. Special shout out to Mari and Aviud. I feel appreciated as I appreciate them.
Hoss L
12.6.22
I'm a proud member since 2014. SCE FCU is very clean inside and out. I recommend anyone looking for a bank to go to them and check out their friendly and helpful staff.
Michelle N
11.15.22
SCE FCU is so kind and helpful. The team members are all so sweet. When we had fraud on our account they called and told us right away. The branch manager was waiting for us at the front desk and helped us with all our needs.
Karen S
11.7.22