Trojan
Checking

An account designed with your best interest in mind.

Our premium high-yield checking account pays you monthly dividends for a minimum daily balance of $2,500.* Open a checking account that gives you the full value of our best perks:

  • Unlimited free ATM transactions**
  • Free debit/ATM card
  • Free Online Banking

Trojan Checking

Rates accurate as of 4/19/2025
All rates and terms subject to change without notice.

Dividend and APY rates for Trojan Checking accounts
Dividend RateAPY*
0.050%0.05%

*$2500 minimum balance to obtain APY.

High interest. Strong earnings. Unlimited access.

Capture more value for every transaction with our Trojan checking account. Open in minutes online or at any branch.

There exist very few reasonable choices for checking accounts other than commercial, profit-obsessed banks. YOU are a blessing.

-James

  • 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.

  • Virtual Wallet

    Wave it and pay! Simplify your purchases with a secure digital version of your debit and credit cards on your mobile devices – and never fumble for plastic again.

    Educational Resources

    • Credit Unions Credit Unions

      Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires

      Credit unions across the country have rallied together to support residents of Los Angeles County affected by the catastrophic Eaton and Pacific Palisades fires.

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      Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires

    • Fire Relief Resources Fire Relief Resources

      Los Angeles Wildfire Relief Resources

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      Los Angeles Wildfire Relief Resources

    • News News

      2024 Charity Challenge: USC Credit Union vs. Notre Dame FCU

      This year’s Charity Challenge brings USC Credit Union and Notre Dame FCU together to support a cause bigger than the game itself. Each credit union has pledged $5,000, and the stakes are high: the winner of the Notre Dame vs. USC football game on November 30 will decide which charity receives a boosted $10,000 donation.

      Read Full Article

      2024 Charity Challenge: USC Credit Union vs. Notre Dame FCU

    • News News

      USC Credit Union Celebrates Success with The RightWay Foundation: Empowering Foster Youth through Financial Literacy

      USC Credit Union is proud to announce the successful conclusion of a transformative 10-month financial literacy program in partnership with The RightWay Foundation.

      Read Full Article

      USC Credit Union Celebrates Success with The RightWay Foundation: Empowering Foster Youth through Financial Literacy

    • Investments Investments

      High-Yield Business Savings Accounts: Consider a Credit Union!

      Are you looking to make your business’s savings work harder? High-yield savings accounts (HYSA) and high-yield money market accounts (MMA) can help grow your business savings at a competitive interest rate. It’s just one way to beat inflation while growing your funds for the future.

      Read Full Article

      High-Yield Business Savings Accounts: Consider a Credit Union!

    • Credit Unions Credit Unions

      Business Accounts at Credit Unions vs. Banks

      Choosing the right financial partner for your business isn’t always easy. Many traditional banks come with high fees, rigid rules, and one-size-fits-all services that might not fit your business needs. Business credit unions, like USC Credit Union, shine by offering competitive business bank accounts that often have better terms and more flexibility than traditional banks!

      Read Full Article

      Business Accounts at Credit Unions vs. Banks

    • Managing Debt Managing Debt

      Budgeting: Your Best Partner When In Debt

      With the right tools, strategies, and mindset, you can transform budgeting from a chore into a powerful ally against debt.

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      Budgeting: Your Best Partner When In Debt

    • Student Loans Student Loans

      Smart Student Loan Repayment Tips for 2024

      Navigating student loan repayment can be challenging, but 2024 brings new opportunities to ensure you’re on the right track towards financial freedom!

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      Smart Student Loan Repayment Tips for 2024

    • Student Loans Student Loans

      Celebrating the Holidays with Student Debt

      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.

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      Celebrating the Holidays with Student Debt

    • Identity Theft Identity Theft

      The Rise of Card Skimming and How to Fight It

      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.

      Read Full Article

      The Rise of Card Skimming and How to Fight It

      *$7 monthly service charge applies if daily checking balance falls below $2,500 (or $7,500 when combined with savings). Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. View our Schedule of Fees for details on any fees you may incur.

      **Two free non-shared network ATM transactions per month with Student Checking, five free with Gold Checking, unlimited with Trojan Checking. When you use an ATM not displaying the USCCU or Co-Op ATM symbols, the ATM owner may charge additional fees.