Share Certificates

Disclosures:

4.25% APY 13-Month New Money Certificate: APY=Annual Percentage Yield is accurate as of 6.30.2025. Fees may reduce earnings. Membership in USC Credit Union required. Must qualify for USC Credit Union membership, and membership fee may apply; please call (213) 821-7100 or visit www.USCCreditUnion.org to confirm eligibility. Must be new money deposit from another financial institution. Existing USCCU funds not applicable. $1,000 minimum opening amount with no maximum deposit amount. Once mature the 13-month term certificate will automatically roll over to 12-month term at that APY. A bonus rate on all certificates of $50,000 or more does not apply. The share certificate will be closed, and an early withdrawal penalty will be imposed on the entire balance if a withdrawal of principal is made prior to the Maturity Date. Please refer to Account Agreement and Truth-In-Savings Disclosures for more information. Dividends will not be earned if the share certificate is closed before the dividends are credited by the ending date of each month. This promotion does not apply to Individual Retirement Accounts (IRA) and Shared/Certificate Secure Loans. All credit union programs, rates, terms, and conditions are subject to change without notice. Promotional offers cannot be combined with any other offers. Offer rates and terms are subject to change without notice.

4.00% APY 36-Month No-Penalty Certificate: USC Credit Union offers a special 36-month new money certificate with a no-penalty option for members affected by the Eaton, Hurst, or Pacific Palisades wildfires in California. This certificate features an Annual Percentage Yield (APY) of 4.00%, effective as of February 24, 2025. This APY is not a variable rate and will not change during the term of the certificate. However, all credit union programs, rates, terms, and conditions are subject to change after account opening. Membership in USC Credit Union is required, and eligibility can be confirmed visiting http://www.usccreditunion.org/. This offer is limited to new money deposits from external financial institutions; existing USCCU funds are ineligible. A minimum deposit of $1,000 is needed, and there is no maximum deposit limit. This certificate will automatically renew for another 36 months at the current APY upon maturity. Members directly affected by the Eaton, Hurst, or Pacific Palisades wildfires in California - whether they reside or work in the affected areas or have experienced job loss or income reduction - may make early withdrawals (partial or full) or close their certificates before maturity without penalty. This offer does not apply to Individual Retirement Accounts (IRAs) or Share/Certificate Secured Loans. As for term share accounts, this certificate does not compound dividends; therefore, required dividend payouts will be credited at the end of the certificate's term, provided the account remains open until the dividends are due. Dividends will not be earned if the share certificate is closed before the dividends are credited at the end of each month. For more details, please refer to the Account Agreement and Truth-In-Savings Disclosures. Promotional offers cannot be combined with any other offers and may be subject to change without notice.

¹View our Schedule of Fees for details on account fees.

USCCU pays a bonus rate on all certificates of $50,000 or more. Bonus rate does not apply to special certificate promotions. Please refer to the USCCU Truth-in-Savings disclosures for complete information on account terms and related conditions. Early withdrawal penalties apply. Rates may vary after account is opened.

Your shares are insured to at least $250,000 by the National Credit Union Administration, a U.S. government agency.