¹Smart 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.

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