Borrower Advice

Your loan and credit questions, answered.

Borrowing is a key building block to financial health. With every auto loan or HELOC or credit card, you build your borrowing power. As your credit union, we’re committed to your financial wellbeing – and to helping you make your best borrowing decisions. We created this resource center to share the latest tips, tools and lending trends. First-time home buyer? Super saver? Check your math with our handy mortgage loan and savings account interest calculators.

 

7 Tips Every Credit Card User Should Know

Credit cards are convenient, powerful tools to help build your credit, make big purchases, and practice financial responsibility. With that said, credit cards can seem complicated. Between interest rates, balance transfers, late fees, and due dates, there’s a lot of information to keep up with.

What can I do to improve my credit score?

Credit can seem complicated. Many people think those 3 magic numbers are a mystery, but controlling your credit score is easier than you think! Here are some tips for establishing credit or building your credit score back to health.

Home Mortgage Loans

Shop and borrow smart.

Starter home or “forever home” – whatever you call it, chances are you’ll need a mortgage before you can call it home. Learn what you need to know to close the deal with success.

See Current Rates

Learn More about Home Loans

Home Equity Lines of Credit

Leverage your home equity.

Home equity can be a powerful borrowing tool. How can you use it? How do HELOCs work? Find answers to these questions and more right under your thumbs.

See Current Rates

Learn More  about Home Equity

Personal Loans

Boost your borrowing knowledge.

Financial peace of mind costs less than you think. USC Credit Union offers affordable personal loans and lines of credit you can use for any purpose. Learn what you need to know to boost your borrowing power.

See Current Rates

Learn More  about Personal Loans

Managing Loan Debt

Your best financial future starts today.

The financial decisions you make today can put you on the right path for years to come. As your financial partner, we’re here for you every step of the way. Use our borrow resources to boost your financial literacy.

Learn More  about Managing Loan Debt

USC Credit Union has been a reliable source of financial support for me for 36 years! I’ve never had a better experience.

-Carol

  • Personal Loans

    Pay for the unexpected, consolidate debt, pay for home improvements, or make a major purchase with one of our affordable Personal Loan options.

  • 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.

Let’s chat.

Need help deciding on a product or service? Talk to a member associate. We’re always here to lend an ear and all the guidance you need.