Earn easy interest and the benefits of member-ownership.

Earn interest while you enjoy more access with this interest-bearing checking account. Gold Checking pays you dividends with a minimum daily balance of just $750.* Go gold and get these perks and more:

  • Interest-bearing checking account
  • Five free non-shared network ATM transactions per month*
  • 30,000 fee-free ATMs and Shared Branches 
  • Flexible ways to pay with debit card, Zelle®, and Virtual Wallet payments
  • Free Online Banking

Gold Checking

Rates accurate as of 7/22/2024
All rates and terms subject to change without notice.

Dividend and APY rates for Gold Checking accounts
Dividend RateAPY*

*$750 minimum balance to obtain APY.

Low minimum. More interest. Easy access.

Go with Gold and get a checking account that pays you back. Open in minutes online or at any branch.

USC Credit Union is a great way to build your credit while managing your money. Your checking/savings accounts are low cost, and you provide great loan rates.


  • Debit Cards

    Go cashless! Your Debit/ATM card lets you access the funds in your checking account with one quick swipe.

  • Savings Accounts

    The best savings account is one that protects your financial well-being. USC Credit Union gives you a choice of four, plus the reliability, flexibility and convenience of being a member.

  • IRAs

    Invest in your future. Make tax-deductible annual contributions with a traditional Individual Retirement Account (IRA). Earn tax-free, compounded growth with a Roth IRA.

*$5 monthly service charge applies if daily checking balance falls below $750 (or $3,500 when combined with savings). View our Schedule of Fees for details on any fees you may incur.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

When using Zelle®, only send money to those you trust. If the recipient is already enrolled with Zelle®, you can’t cancel a payment once it’s been sent. Neither USC Credit Union nor Zelle® offers a protection program for authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected. If you are asked to send yourself money with Zelle® or are asked to provide your Zelle® credentials, don’t click on text message links or call the number that contacted you. Do not share your Zelle® and any other passwords with anyone.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.