Enjoy powerful protections and everyday perks with PremiumSpend checking, including identity protection, cell phone coverage, roadside assistance, savings, and more, all at no additional cost.
Earn up to 3.55% APY*. No Fees. Low Minimum. Extended Insurance Coverage.
Discover special offers, tools and financial solutions curated just for Trojans, quickly and easily in the Trojan Hub.
Already a member? Extend the benefits of USC Credit Union membership to everyone in your immediate family or household – they’re all invited to become a member owner!
Get a free financial education on all things personal finance from credit scores and debt consolidation to saving and student loans.
Enjoy powerful protections and everyday perks with PremiumSpend checking, including identity protection, cell phone coverage, roadside assistance, savings, and more, all at no additional cost.
Earn up to 3.55% APY*. No Fees. Low Minimum. Extended Insurance Coverage.
Discover special offers, tools and financial solutions curated just for Trojans, quickly and easily in the Trojan Hub.
Already a member? Extend the benefits of USC Credit Union membership to everyone in your immediate family or household – they’re all invited to become a member owner!
Get a free financial education on all things personal finance from credit scores and debt consolidation to saving and student loans.
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Get a free financial education on all things personal finance from credit scores and debt consolidation to saving and student loans.
Our extended insurance solutions provide coverage up to $15 million*, going beyond the basics, designed for business leaders and discerning members who want comprehensive protection for today and peace of mind for tomorrow.
Most NCUA insurance only covers up to $250,000 per depositor, per credit union. With USC Credit Union’s Insured Money Market, you can enjoy coverage up to $15 million* without the hassle of managing multiple accounts.
Protect Your Business Deposits with Expanded NCUA Coverage
At USC Credit Union, your financial security comes first. With our insured Money Market Account, your deposits are automatically spread in portions under $250,000 across our trusted network of partner credit unions. Each portion stays fully within NCUA insurance limits, giving you extended protection up to $15 million*, all while you enjoy the convenience of one simple account.
You’ll have seamless access to your funds whenever you need them, while we handle the behind-the-scenes distribution that keeps your money safe and fully protected.
Opening an Extended Insurance Account with USC Credit Union is simple and secure. Just fill out the extended insurance form below to get started!
ModernFi is a network of credit unions that USC Credit Union has joined to help better protect your balances by distributing funds across partner credit unions to offer extended NCUA share insurance.
Imagine you have $1 million you’d like to both protect and put to work earning interest. With USC Credit Union’s insured Business Money Market Account, you can deposit the entire amount into your primary account with us. Behind the scenes, those funds are automatically divided into smaller portions and placed in demand deposit accounts across our network of partner credit unions.
For example:
Each portion remains fully within NCUA insurance limits, up to $250,000 per credit union, per member. Through this structure, your entire $1 million is protected, without the hassle of managing multiple accounts.
Even better, you’ll enjoy:
With USC Credit Union, you get the peace of mind of expanded protection, up to $15 million*, alongside the convenience and care you expect from your trusted financial partner.
Manage your account just like any other transaction account. Deposit, withdraw, or transfer funds whenever you need through our secure Member Portal. Behind the scenes, USC Credit Union and our trusted partner network handle the allocation, ensuring your funds are safely distributed across insured accounts while remaining fully accessible to you.
At USC Credit Union, your deposits are backed by the strength of the National Credit Union Administration (NCUA). Our extended insurance solutions provide coverage up to $15 million*, going beyond the basics, designed for business leaders and discerning members who want comprehensive protection for today and peace of mind for tomorrow.
This protection remains in place even in the unlikely event that a participating credit union fails. Since the NCUA Share Insurance Fund was created in 1970, no member has ever lost a single penny of insured funds. Coverage applies dollar-for-dollar, including both your principal and any interest earned.
If a partner credit union were ever to close, the NCUA would step in to manage the process, settle deposit claims, and return insured funds, typically within just a few business days. USC Credit Union, together with our network partners, coordinates directly with the NCUA to ensure your funds are quickly and securely returned.
At USC Credit Union, we partner with ModernFi to ensure your deposits are always placed with credit unions that meet the highest standards of safety and compliance. Every partner credit union is:
USC Credit Union maintains full control over which credit unions may receive your funds, and you’ll always have complete transparency into how your money is allocated. That means peace of mind knowing your deposits are safe, compliant, and working for you, every step of the way
The security of having debt protection really helped me. An unexpected break of the shoulder and I was out of work for 8 weeks. Knowing I didn’t have to worry about my loans really helped.
Recent developments signal the elimination of the SAVE income-driven repayment plan—so it’s important to understand what this means for your budget and what options remain available.
The End of the SAVE Plan: What It Means for Student Loan Borrowers
With the right tools, strategies, and mindset, you can transform budgeting from a chore into a powerful ally against debt.
Budgeting: Your Best Partner When In Debt
Navigating student loan repayment can be challenging, but 2024 brings new opportunities to ensure you’re on the right track towards financial freedom!
Smart Student Loan Repayment Tips for 2024
The holidays are a time of joy and giving, but for many of us managing student loan repayments, it can also be a season of financial stress. But with a bit of planning, creativity, and focus on what truly matters to you this season, it’s possible to find holiday cheer without breaking the bank.
Celebrating the Holidays with Student Debt
Skimming is a persistent and evolving threat, but by being aware and taking preventative measures, we can fight against compromised cards and protect our financial well-being. Read this guide for tips and signs to watch out for.
The Rise of Card Skimming and How to Fight It
Managing student loan debt can sometimes feel like an uphill battle. But the truth is, a smart budget, personalized to your income and other expenses, can be your greatest asset in paying off your student loans while maintaining your quality of life. In this guide, we walk you through the steps to create your own budget that works for you and your goals.
Repaying Student Loans: Budget Your Way to Freedom
Does this sound familiar? “Did you attempt a payment for $3,000? Reply YES or NO.” If so, you’re not alone. Financial institution impersonations are the most common text scams and usually include bogus fraud warnings and transfer alerts. Follow these tips to help you identify potential scams and keep your personal information safe and secure.
Recognizing Text Scams
When delving into the world of private student loans, you may discover that many lenders mention a “co-borrower.” A co-borrower is someone who applies for the loan with you and is equally responsible for ensuring it is repaid. A private student loan will be held in your name as the primary borrower, but the co-borrower’s name and credit will be tied to the loan as well.
How to Pick a Good Student Loan Co-Borrower
On June 30, the Supreme Court struck down Biden's one-time student loan debt forgiveness plan, which was set to forgive up to $20,000 for 26 million borrowers. So, what's next? Read this blog post to review the latest updates.
Student Loan Forgiveness Was Blocked by the Supreme Court. What’s Next?
Most federal student loan payments and interest have been suspended since March 2020. After numerous extensions, student loan interest will resume on September 1, 2023, and payments will resume starting in October.
Federal Student Loan Payments Resume Soon – What You Need to Know
With extended NCUA insurance coverage up to $15 million*, USC Credit Union helps safeguard your deposits. We’re here to walk you through your options and ensure your funds are protected with confidence.
Disclosure
*Extended federal insurance provided by network credit unions. A list identifying network credit unions can be found here. Certain conditions must be satisfied for “pass-through” deposit insurance coverage to apply.