Savings and Loans




Becoming a member today gives you lifetime membership.  You also become an owner of our credit union when you open a share account. Membership is available to all employees of Sunkist Growers and their affiliates: Growers and their employees, Packinghouses and Exchanges, and fruit trucking companies.  As long as a member maintains the minimum balance in their Regular Share account they will remain a member for life, regardless if they leave the Sunkist family. 

Regular Share Account
A $25 minimum balance must remain on deposit for the duration of membership. A $5 one-time membership fee will be accessed to open this account.  Limited to six Regulation D transfers per month.  Members may have money deposited directly into their account with Direct Deposit or payroll deduction through their employer.  Statements are sent quarterly.  This account earns a competitive monthly dividend on balances above $50.​
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you:
When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Holiday Club Account


If you’re looking for a great way to save for the holidays our Holiday Club Account is perfect. Deposit money by payroll deduction, check, or cash and watch it grow.  Your Holiday Club Account may be opened at any time. Funds will be disbursed to you on or about the first week of November.  The account will automatically remain open for your continuing deposits. No additional withdrawals are permitted; however, if a withdrawal is necessary, the account will be closed until the next enrollment period.  Dividends on this account are earned monthly.

Share Certificates 


Share Certificates are a type of savings account with a fixed rate and term.  The interest rate is set at the time the account is opened and remains the same throughout the term.  Lock in a higher dividend rate with your choice of a 3, 6 or 12 month certificate.  Dividends are paid upon maturity of the certificate.

Member deposits are federally insured up to $250,000 and backed by the full faith and credit of the United Sates Government NCUA, National Credit Union Administration, a U.S. government Agency.  



We have loans for every need and making affordable loans is important to us.  Our competitive low rates and terms give every member an opportunity to build good credit history with us.  Using payroll deduction or Direct Deposit through your employer makes the payment process easy.  Best of all there is no early payoff penalty.  You can print a loan application and return it to us by mail, fax or in person.  All applications need to be accompanied with copies of your two most current payroll stubs or qualifying proof of income.  


Vehicle Loans

New Auto Financing on new purchase or new refinance within a 6 month period, up to 72-month term; pre-approval recommended

Used Auto Financing on new purchase or refinance, up to 60 month term and dependent on current mileage of auto, up to 10 years 

Signature Loans (Personal)

Get a personal loan for just about anything: major household purchases or repairs, medical and dental expenses, auto repairs and/or tires, vacation, etc.  Term up to 48 months with maximum limit of $20,000.   

Share Secured Loans

Borrow from yourself at our lowest rate and keep your savings in your account.


  • Borrow up to 100% of the balance in your savings account

  • Fixed APR+ is 3.50% APR above current savings dividend rate

  • Funds on deposit continue to earn dividends

  • No borrower qualifications

  • Term up to 60 months

  • A great way to establish credit with a secured loan

"QUICK CASH" - Short Term Small Loan

"QUICK CASH" - Español

If you need a small amount of cash in a hurry, apply for our "Quick Cash" loan.  Want it at "lighting speed?"  We can load it to your Prepaid VISA Debit Card.  Loan requirements are as follows:

 -> Must have 6 months employment with your current employer 
 -> A member of the Sunkist EFCU at least 2 months  
 -> $20 non-refundable application fee will apply
 -> Payment will include a separate deposit of $5 per pay period.

Amount and Terms as follows:

  • $300 for 2 months at 20% APR

  • $500 for 3 months at 20% APR

  • $800 for 4 months at 20% APR


                                                                                                      Sunkist is a registered trademark of Sunkist Growers, Inc.