Set-up Direct Deposit into your checking or savings account. 2 winners per month. Your chance at $1,000!*
Earn up to 3.55% APY*. No Fees. Low Minimum. Extended Insurance Coverage.
Boost your business’s financial growth with a business money market account. With no monthly fees on balances over $10,000, flexible access, and guaranteed returns, set your business up for success and ensure your money is as hardworking as you are.
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.
Set-up Direct Deposit into your checking or savings account. 2 winners per month. Your chance at $1,000!*
Earn up to 3.55% APY*. No Fees. Low Minimum. Extended Insurance Coverage.
Boost your business’s financial growth with a business money market account. With no monthly fees on balances over $10,000, flexible access, and guaranteed returns, set your business up for success and ensure your money is as hardworking as you are.
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.
Groceries, gas, morning latte runs. Whatever your daily routine involves, you can earn points and build credit when you pay with your student credit card. Redeem rewards for merchandise, travel, gift cards, event tickets, and more. Shop local and national brands like Apple, Macy’s, REI and Starbucks, in-store or online, and automatically earn bonus points. Manage it all in the palm of your hand with Online and Mobile Banking.
Trojan Rewards. Redeem perks, earn exclusive bonus points, and manage your points all in one place. Take a test drive and explore sample rewards today.
Peace of Mind Protection. You can’t control everything in life – but you can help protect your finances with Peace of Mind Protection. Cancel your loan balance or payments in the event of involuntary unemployment, disability, or death. Coverage is customizable and voluntary, and it’s simple to apply.
0% APR* Introductory Offer: For the first 6 billing cycles, enjoy 0% APR* on purchases made within the first 180 days of account opening. After that, a standard variable APR* will apply.
Intro Statement Credit Details: Earn up to $225 in statement credits for making monthly payments on time.
Credits are applied in three installments:
To qualify, you must: (1) make the required consecutive on-time payments, and (2) complete a minimum of 10 transactions per month (excluding payments). If any payment is more than 10 days late, or if the monthly transaction requirement is not met, the account is disqualified for statement credits from that period forward. Account must remain open and in good standing to receive credits.
Did you know you could lower your interest rate by enlisting the help of a cosigner? Find one with a good credit history, and your odds of being approved jump five-fold.
Affordable rates, rewards, credit cards to build credit – you’ll find it all at USC Credit Union.
Low credit card rates and convenient for having Zelle available in my app.
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
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
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
Let’s face it – no one is accepted to college and thinks, “I can’t wait to pay my tuition bill!” College is a big investment, which is why it’s important to know your options, plan ahead, and choose wisely when paying for it. Remember: filling out the Free Application for Federal Student Aid (FAFSA) is the first step to securing any financial aid! Follow the “free, cheap, gap” method to responsibly pay for college, and set yourself for a strong financial future down the road.
The Top 4 Best Ways to Pay for College – How to Fill the Funding Gap
Student loans may have helped you get the education needed for your future career, but making student loan payments can also be a pain point in your monthly expenses. Refinancing one or more of your loans could save you money and simplify your repayment. Before you determine where you should refinance your student loans, you should consider if it’s a smart decision for you.
Why Should You Refinance Student Loans with a Credit Union?
Student loan consolidation and refinancing are two options available to borrowers looking to manage their student loan debt. We break down the differences between loan consolidation and refinancing, discuss the eligibility requirements, and help you determine which option is best for your financial situation.
Consolidation vs. Refinancing Student Loans
You’ve received your college acceptance letters – congratulations! If you’ve been accepted to multiple schools, one of the biggest determining factors for your final choice may be the out of pocket cost for each option. Along with your acceptance letters, you should receive an award letter outlining the financial aid for which you are eligible at each college. Here are some important definitions you should know.
Understanding Financial Aid Award Letters
1Proof of income required to apply; cosigner will boost chances of being approved.
2Fuel and grocery bonus points apply to the first $5000 in purchases in these combined categories each year.
3Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD.
4Conditions and exceptions apply. Learn more about Zero Liability.
*APR (Annual Percentage Rate) is effective 11.11.2025 and is subject to change. Your regular variable rate is determined by creditworthiness and payment history and may vary. The minimum monthly interest charge is $0.50. The 0.00% APR for purchases made during the qualifying transaction period within the first 180 days of account opening. All purchases, net of returns, qualify for the introductory APR. The introductory rate will remain in effect for the first 6 billing cycle billing cycle after account opening, thereafter, the standard rate of 13.90% to 18.00% for purchases applies. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. Rates and terms are subject to change without notice. Click here for full disclosure.