

Sunkist Employees Federal Credit Union
Serving all Sunkist* Affliliates
MEMBER BUSINESS HOURS
MONDAY 8 AM-4:00 PM
TUESDAY 8 AM-4:00 PM
WEDNESDAY 8 AM-4:00 PM
THURSDAY 8 AM-4:00 PM
FRIDAY 8 AM-4:00 PM
SATURDAY CLOSED
SUNDAY CLOSED
Holiday Closures
• Monday, May 25, 2026
In observance of Memorial Day
• Friday, July 3, 2026
In observance of Independence Day

Finance your next vehicle with confidence
Experience the advantages of financing with a credit union that puts your needs first. Our auto loan program is designed to offer flexibility, speed, and personalized support—so you can drive forward with confidence.
Why Choose Us
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Competitive rates available for both new and used vehicles
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Flexible repayment terms designed to help you stay comfortably within your budget
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Fast approvals, typically within 24 hours
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Local, member-focused support from start to finish
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You may be approved—even if you're just getting started
Apply With Confidence
Whether you're purchasing your first car or upgrading to a newer model, our team is here to guide you through every step. Explore your options, review current rates, and start your application today.
New Auto
36 Mos
48 Mos
60 Mos
72 Mos
4.99%
5.49%
6.00%
6.50%
Used Auto (model years 2022-2026)
36 Mos
48 Mos
60 Mos
72 Mos
5.25%
5.50%
6.00%
6.50%
Used Auto (model years 2021 or older)
36 Mos
48 Mos
60 Mos
72 Mos
6.00%
6.25%
6.50%
7.00
Quick Cash Loans
Fast. Simple. No Credit Check.
We offer a straightforward way to access short‑term funds when unexpected expenses arise. With no credit check required, members can qualify based on verifiable income and the ability to repay
How It Works
Our Quick Cash Loan program is designed to help members borrow responsibly while building access to higher loan amounts over time. Each successful repayment unlocks the next loan level.
Loan Level
Starter Loan
Level 2
Level 3
Maximimum Loan
Amount
$300
$500
$800
$1,000
Term
2 Months
3 Months
4 Months
5 Months
Why Members Choose Quick Cash Loans
• No Credit Check — Approval is based on income, not your credit score.
• Fast Access to Funds — Get help quickly when life can’t wait.
• Short, Manageable Terms — Designed to support responsible borrowing.
• Flexible Loan Levels — Build your borrowing power with each successful payoff.
• Member‑Focused Service — Simple, supportive, and stress‑free.
Protect Yourself from Financial Fraud and Scams
Your awareness as a consumer plays a vital role in identifying and reporting fraud, helping authorities act quickly and protect others.
Seniors: A Common Target Older adults are often targeted due to their financial stability and trusting nature. Scammers may pose as caring acquaintances to gain access to funds. The Department of Financial Protection and Innovation provides free resources, including the Protect Yourself from Fraud booklet, to help consumers stay safe.Stay Informed Fraud tactics continue to evolve.
Common schemes include:
Telephone Scams
• Imposter calls claiming overdue payments
• Fake Social Security or IRS threats
• Debt‑relief scams requiring upfront fees
• “Grandparent” scams requesting urgent money
Phishing & Identity Theft
• Searching trash for personal documents
• Fake emails or websites stealing login information
• Weak or outdated passwords
How to Protect Yourself
• Government agencies do not request payments by phone; official notices are mailed.
• Never share personal information with unknown callers.
• Shred sensitive documents before discarding them.
• Seek financial help only from verified institutions.
• Review financial statements regularly for unauthorized activity.
Products and Services
CU* TALK
CU*TALK, is our convenient audio response service that allows you to use a touch-tone phone to take care of your credit union business. One phone call will connect you to CU*TALK and your credit union accounts. You can check your balances, request a check, and do transfers between your credit union accounts. To start using CU*TALK call our toll free number (855) 209-1439, follow the prompts, and you are on your way to receiving information on your account. This service is also available in Spanish.
Visa Credit Card
Stop wasting your money on credit cards with high interest rates and poor service. Transfer a balance from a high interest rate credit card to maximize your financial savings. This card is accepted worldwide. Access your credit card online to view transactions, receive e-statements, and make payments. Receive rewards and 24/7 fraud protection. To apply, click here or call 1-888-415-6154 for more information.

Reloadable VISA Debit Card
Our reloadable debit card lets you control your spending. You fund it as you need it with a specific dollar amount (minimum$20) from your credit union account. You can use it at ATM’s, grocery stores, retail stores, pay bills or anywhere VISA cards are accepted. It can be used as a debit or a credit transaction, and a great budgeting tool. When your card is low on funds call us; we will re-load it, and your funds will be available for use within a couple of hours.
Our debit card is very safe; it's not tied to your savings account. If lost or stolen, it can easily be replaced. It comes with Zero Liability Protection for your security so it’s much safer than carrying cash.
Eliminate the waiting game for a paper check. Apply and purchase your new reloadable debit card for $5.00 No credit check is performed. Just fill out the application and return to the credit union or fax it to (661) 290-8703. We will order your card for you.
Visa Gift Cards
Gift cards are always a great idea for any celebration. We offer a variety of designs to choose from for any life event; birthday, graduation, wedding, or "just because." We also have many designs for the winter holidays. Our non-reloadable gift cards carry the Visa logo and can be used at millions of Visa merchant locations worldwide. You set the card value from $10 - $1000. Need a quick gift? Purchase a gift card today and have it on hand, ready to give.









Guaranteed Asset Protection (GAP) Advantage
GAP is a product we offer for your new and used vehicle loan purchases. This benefit provides additional risk protection if your vehicle is totaled or stolen and not recovered. GAP Advantage covers the "gap" between the vehicle's value and the amount you still owe. Most vehicles lose much value the first few years and most insurance companies will only consider the current cash value of vehicle which could be less than the amount you owe. In addition, you are eligible for an additional $1,000 towards the financing of a replacement vehicle financed through our credit union.
Para Español, clic lo botón
For spanish, click the button below
Sunkist is a registered trademark of Sunkist Growers, Inc.
