*To qualify for cash back, you must have a refinanced student loan amount of $10,000 or greater. The promo code StuRefiCash must be included on your application at the time of submission. The cash incentive will be direct deposited into the member’s Prime Share account within 60 days of loan funding. If the loan pays off within one year of funding, the incentive amount will be deducted from the member’s account. Maximum incentive is $300 per loan. Offer expires April 30, 2026. Loan must fund by April 30, 2026, to receive this special offer.

¹ALUMNI100 Promo: Requirements for $100 Bonus: Must open a new checking account product with debit card by 2/28/2026; Must sign-up for e-statements; Must make ten (10) electronic bill payments OR ten (10) debit card transactions of $10 or more AND establish direct deposit with a minimum $500 amount within the first sixty (60) days of account opening. Account must be in good standing at the time of award with no negative balances or loan delinquencies. Offer may not be combined with any other promotion and may be canceled at any time without notice. $100 bonus may be considered interest reportable on IRS Form 1099-INT. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility.

²Smart Yield Savings: The Annual Percentage Yield (APY) for the Smart Yield Savings Account range from 1.75% – 3.55% 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:
  • Have a PremiumSpend checking account
  • 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 1.17.2026 and are subject to change without notice.

³Up to 120% financing available based on credit worthiness, model year, and underwriting factors. New: Manufacturer’s Suggested Retail Price (MSRP) and Used: Retail Kelley Blue Book (RKBB), both including tax, license fees and optional products such as Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC) and is subject to approval. A valid driver’s license and current insurance information are required at time of financing.

⁴The 0.25% discount for automatic payments and the 0.25% discount for clean energy vehicles can be combined, so long as the rate does not go below the 4.44% floor rate. To qualify for the clean energy rate discount, vehicles must have an EPA Fuel Economy rating of at least 35 MPG (combined city/highway). Visit the Department of Energy Fuel Economy website to view state-specific requirements.

⁵You are providing “written instructions” to WithClutch, Inc. and USC Credit Union under the Fair Credit Reporting Act authorizing WithClutch, Inc. and USC Credit Union to obtain information from your personal credit report and from the Credit Bureau solely to conduct a pre-qualification for credit. This will not impact your credit score.

Auto Loans “as low as” rates apply to 2024 or newer vehicle models. Such rates are subject to change based on vehicle year. Other Loan-to-Value requirements may apply. To qualify for the automatic payment rate discount, loan payments must be made automatically from a USC Credit Union checking account. Annual Percentage Rate (APR) is effective as of 1.17.2026, is based on creditworthiness and underwriting factors, and is our best rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 36 months at 5.19% is $30.06. This payment example is for illustration purposes only. Your actual payment may vary. Minimum loan amounts include $8,000 for a 60-month term loan, $15,000 for a 72-month term, and $25,000 for an 84-month term loan. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. Rates do not apply to existing USC Credit Union Auto Loans.