Smart Yield Savings
High-Yield Savings Account

A Smarter Way to Grow Your Money

Turn your savings into a powerful financial asset with our Smart Yield Savings account. Designed for members who meet select relationship criteria, this account rewards your loyalty with top-tier earnings and added peace of mind.

Features:

  • Earn up to 3.80% APY*—tiered to reward higher balances
  • No monthly maintenance fees
  • Low minimum opening deposit of just $100
  • Extended insurance coverage:
    • Balances of $249,999 or less will be federally insured by the National Credit Union Administration (NCUA)
    • Balances over $250,000 (up to $15 million) will be insured through American Share Insurance (ASI)

To Qualify:

  • You must maintain a minimum $2,500 monthly direct deposit and satisfy at least one of the following: 
    • Carry a USC Credit Union consumer loan of $20,000 or more
    • Have a USC Credit Union mortgage loan of $50,000 or more
    • Maintain at least $50,000 in combined share balances at USC Credit Union
    • Have an active account with Trojan Wealth Management

Members: Log in to your member portal, call us, or visit a branch to open your new account.

Non-Members: Apply for membership to get started

MoneySense

Earn More, Automate to Accelerate

Think of a Smart Yield Savings account as your money’s “fast lane.” It earns more interest than a regular savings account, with no extra effort. But here’s a tip to make it work even harder: automate your deposits.

Let’s say you set up an automatic transfer of $200 every month from your checking account to your Smart Yield Savings. Over a year, that’s $2,400 saved, plus interest. You won’t miss the money because it moves automatically, and over time, those deposits (and the interest they earn) add up faster than you’d think. It’s a simple, smart way to turn consistent habits into bigger savings.

Smart Yield Savings*

High-Yield Savings Account

Rates accurate as of 8/4/2025
All rates and terms subject to change without notice.

Balance, Dividend Rate, and APY for Smart Yield Savings
BalanceDividend RateAPY
$1 – $9,9990.000%2.00%
$10,000 – $49,9990.000%3.00%
$50,000 – $99,9990.000%3.50%
$100,000+0.000%3.80%
Non-qualifying balances0.000%0.15%

*Smart Yield Savings Disclosure: The Annual Percentage Yield (APY) for the Smart Yield Savings Account range from 2.00% – 3.80% based on balance tiers. For full details visit Usccreditunion.org/rates. A minimum opening deposit of $100 is required. Fees may reduce earnings.

To earn applicable tiered APY, you must:

  • Have a qualifying direct deposit totaling at least $2,500 per month via ACH (e.g., payroll, Social Security). Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®, Bill Pay, Cash Apps, ACH transfers between external bank accounts, etc.) are not considered a direct deposit.
  • And meet at least one of the following criteria:
    • Carry a USC Credit Union consumer loan of $20,000 or more
    • Have a mortgage loan of $50,000 or more
    • Maintain at least $50,000 in combined share balances, or
    • Have an active account with Trojan Wealth Management

If requirements are not met in a given month, the account will earn a non-qualifying rate of 0.15%. Please review our Schedule of Fees for a full list of applicable charges. For complete account terms and conditions, refer to the USCCU Truth-in-Savings disclosures. Must meet membership eligibility requirements. Federally insured by the National Credit Union Administration (NCUA). Rates effective as of 8.4.2025 and are subject to change without notice.

A Relationship with Savings Benefits

Start growing your savings with the account that rewards your trust and loyalty. Open your Smart Yield Savings account today online or at a branch.

The APR for everything is great. You also get to have one of the best savings accounts around.

-Pablo

  • Checking Accounts

    Free ATMs. Free Online Banking. USC Credit Union checking accounts give you perks and plenty of choices from our no-fee basic to interest-bearing accounts.

  • Home Loans

    Starter home, second home or your “forever home” – whatever you call it, we can help you call it home with affordable fixed-rate and adjustable-rate mortgages.

  • Auto Loans

    Why finance with us? Simple: We’re a credit union with no shareholder interests to cater to. The upshot: Bank-beating auto loan rates on cars, trucks, motorcycles, RVs, and more.

    *Smart Yield Savings Disclosure: The Annual Percentage Yield (APY) for the Smart Yield Savings Account range from 2.00% – 3.80% based on balance tiers. For full details visit Usccreditunion.org/rates. A minimum opening deposit of $100 is required. Fees may reduce earnings.

    To earn applicable tiered APY, you must:

    • Have a qualifying direct deposit totaling at least $2,500 per month via ACH (e.g., payroll, Social Security). Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®, Bill Pay, Cash Apps, ACH transfers between external bank accounts, etc.) are not considered a direct deposit.
    • And meet at least one of the following criteria:
      • Carry a USC Credit Union consumer loan of $20,000 or more
      • Have a mortgage loan of $50,000 or more
      • Maintain at least $50,000 in combined share balances, or
      • Have an active account with Trojan Wealth Management

    If requirements are not met in a given month, the account will earn a non-qualifying rate of 0.15%. Please review our Schedule of Fees for a full list of applicable charges. For complete account terms and conditions, refer to the USCCU Truth-in-Savings disclosures. Must meet membership eligibility requirements. Federally insured by the National Credit Union Administration (NCUA). Rates effective as of 8.4.2025 and are subject to change without notice.