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Promociones y Ofertas Especiales
La membresía en USC Credit Union viene con ofertas exclusivas – y siempre estamos agregando nuevas. Visítanos de vez en cuando para que no pierdas la oportunidad de ahorrar.
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Cash Back por Refinanciar tu Préstamo Estudiantil
Reduce tu deuda estudiantil y recibe hasta $3001 al refinanciar tu préstamo estudiantil.
Simplifica tus pagos, baja tu tasa de interés y conserva más dinero en tu bolsillo para enfocarte en lo que sigue. Refinancia tus préstamos estudiantiles con altas tasas de interés y recibe un reembolso en efectivo1 de hasta:
- $100 para refinanciamientos entre $10,000 y $24,999
- $200 para refinanciamientos entre $25,000 y $49,999
- $300 para refinanciamientos de $50,000 o más
Usa el código promocional: StuRefiCash al final de tu solicitud para aprovechar esta oferta.
La oferta termina el 31 de agosto de 2026.
HELOC por Debajo de Prime
Tasa con descuento en tu NUEVO HELOC: Prime -0.10%2
Accede a una Línea de Crédito sobre el Valor de tu Vivienda flexible, desde $10,000 hasta $250,000, sin costos iniciales ni cuotas anuales. Pide prestado solo lo que necesites con una tasa de interés de -0.10% por debajo de Prime.2
- Acceso conveniente en línea 24/7
- Pagos solo de intereses sobre el monto utilizado2
- Flexibilidad para pagar y volver a usar tu línea de crédito cuando lo necesites.
Cambia y Ahorra con tu HELOC
Tasa con descuento en el refinanciamiento de tu HELOC: Prime -0.25%3
Refinancia tu HELOC o préstamo sobre el valor de tu vivienda con otro banco y ahorra más con nuestra tasa exclusiva con descuento de Prime -0.25%3.
Cómo funciona:
- Aplica ahora.
Envía una solicitud fácil en línea o con uno de nuestros asesores de préstamos sobre el valor de vivienda. ¡Menciona “Switch and Save” cuando hables con tu asesor! Consulta las tasas actuales. - Nosotros nos encargamos del pago.
Una vez aprobada tu tasa de Prime -0.25%3, nos encargamos del pago y la transferencia con tu entidad financiera anterior, sin complicaciones. - Disfruta tu nueva tasa más baja.
Empieza a ahorrar y aprovecha el valor de tu vivienda para remodelaciones, compras importantes, consolidación de deudas y mucho más.
EZ Buy n Refi
Compra ahora, refinancia después, y ahorra
¡Las casas perfectas no esperan! ¿Por qué deberías esperar tú? Con nuestro plan de hipoteca EZ Buy n Refi, puedes obtener las llaves de la casa de tus sueños ahora, instalarte sin estrés y refinanciar si las tasas bajan. Además, ¡recibirás un descuento de $1,5004 en los costos de cierre de tu refinanciación!
Cómo funciona:
- Compra ahora. Adquiera tu nueva casa con una hipoteca competitiva de tasa fija o ajustable.
Consulta las tasas actuales - Refinancia después. Refinancia dentro de los tres años posteriores a la compra si las tasas bajan.
- Ahorra. Reciba un descuento de $1,5004 en los costos de cierre de tu refinanciación. Sumado a eso, podrías ahorrar miles a lo largo de la vida de tu hipoteca.
Mercado Monetario Empresarial
Cuenta de alto interés con fácil acceso.
Obtenga aún más de tu excedente de efectivo. Las cuentas comerciales del mercado monetario1 ofrecen la flexibilidad y el crecimiento que tu empresa necesita para prosperar.
¡USC Credit Union ha sido una fuente confiable de apoyo financiero para mí durante 36 años! Nunca he tenido una mejor experiencia.
Recursos Educativos
Press Release Press Release
Credit Unions and LA County DEO Continue Wildfire Relief with $80K in Direct Assistance
The USC Credit Union Community Foundation, in partnership with LA County DEO and AJCC, distributed $80,000 from the Southern California Wildfire Relief Fund to provide $1,000 in direct cash aid to 80 families impacted by the Eaton and Pacific Palisades fires, underscoring the power of collaboration in delivering meaningful relief.
Credit Unions and LA County DEO Continue Wildfire Relief with $80K in Direct Assistance
Press Release Press Release
Not Just Green: USC Credit Union Advocates for Clean Energy as Essential Infrastructure for Community Health
USC Credit Union is proud to announce its ongoing commitment to expanding clean energy access for low-income and disadvantaged communities across Los Angeles and Orange Counties through innovative lending programs and partnerships.
Not Just Green: USC Credit Union Advocates for Clean Energy as Essential Infrastructure for Community Health
Press Release Press Release
USC Credit Union President and CEO Gary Perez: Leo H. Shapiro Lifetime Achievement Award
We’re honored to celebrate our President and CEO, Gary Perez, for receiving the Leo H. Shapiro Lifetime Achievement Award – the highest recognition from California’s Credit Unions and Nevada’s Credit Unions.
USC Credit Union President and CEO Gary Perez: Leo H. Shapiro Lifetime Achievement Award
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.
Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires
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.
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.
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.
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!
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.
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!
Smart Student Loan Repayment Tips for 2024
Disclosures:
*Banner Disclosures:
4.05% APY 12-Month Certificate with PremiumSpend Checking Offer: APY of 4.05% is more than 10 times higher than the national average savings account rate of 0.39%, as reported by the FDIC on March 16, 2026.
PremiumSpend checking account disclosure: A $8.95 monthly service fee applies, but the fee will be waived if you meet one of the following requirements in a month: (a) minimum $5,000 average daily balance maintained in the PremiumSpend Checking Account during that month; or (b) minimum $25,000 combined share account balance maintained at USC Credit Union every day during that month.
(2) PremiumSpend Checking Accounts are subject to a variable rate. For the current dividend rate(s) and corresponding APY(s), refer to the separate Rate Sheet.
(3) The minimum opening deposit for PremiumSpend Checking Accounts is $25.00. The minimum balances required to earn dividends are disclosed in our Schedule of Fees.
(4) For payroll that can be verified by the Credit Union to its reasonable satisfaction, your direct deposit paycheck may be made available up to two (2) to three (3) calendar days prior to your regular payroll deposit date.
(5) PremiumSpend Checking Account owners are provided access to approximately 32,000 fee-free nationwide COOP ATMs and to approximately 2,300 fee-free Citi Community Network ATMs. In addition, PremiumSpend Checking Account owners are provided access to 5,200 fee-free nationwide Shared-Branching locations.
(6) PremiumSpend Checking Account owners are provided the following free services: free check writing, free incoming domestic wire transfers, free debit card, free Mobile Banking, free Mobile Deposit, free Bill Pay, free Zelle, free eStatements, optional free paper statements, one (1) complimentary financial review with a Trojan Wealth Management advisor, free non-network domestic ATM transactions (up to four (4) each month), free Credit Union cashier’s checks or money orders (three (3) a month), free Credit Union notary services (one (1) a month), free temporary checks, and free access to their credit score through online banking.
(7) PremiumSpend Checking Accounts are also provided Overdraft Protection services that cover your check, ACH, debit card, and ATM transactions if your account has insufficient available funds to cover the transaction, but we pay the transaction anyway, resulting in a negative balance. Overdraft Protection services are only provided for everyday (one-time) debit card transactions, if you have opted in to payment of such transactions. Each overdraft transaction covered under the Overdraft Protection service is subject to a $14 fee. We reserve the right not to pay any overdraft transaction, even if we have paid such transactions in the past, and also will only make the Overdraft Protection service available to members in good standing. You must repay any negative balance resulting from Balance Protection may be reduced if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day. You must bring your account balance positive for at least one business day to have the full Balance Protection limit reinstated.
(8) Only USC Credit Union certificate accounts opened after a PremiumSpend Checking Account is established are eligible for the additional 0.25% added to the dividend rate. Certificate accounts opened prior to the establishment of PremiumSpend Checking are not eligible for this 0.25% increase.
(9) Select new USC Credit Union loans opened by an owner of a PremiumSpend Checking Account will be eligible for a 0.25% APR discount on the loan rate for as long as the owner maintains the PremiumSpend Checking Account.
(10) Any USC Credit Union closed-end or home equity line of credit mortgage loan application approved that was submitted by a PremiumSpend Checking Account owner will receive a $250 mortgage closing cost discount that will apply to Credit Union-imposed and third party closing costs. View our Schedule of Fees for details on any fees you may incur.
APY = Annual Percentage Yield. APY is accurate as of 3.30.2026. Fees may reduce earnings. Early withdrawal penalties apply. $1,000 minimum.
Extended Insurance Protection $2,000 Offer for Nonprofits: 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. Annual Percentage Yield (APY) as advertised is accurate as of 7.19.2026. Within 45 days of coupon enrollment, deposit and maintain new funds at USC Credit Union for 90 days to receive an American Express gift card. Earn $500 when you deposit $250K-$500K; earn $1,000 when you deposit up to $1M; earn $2,000 when you deposit $1M or more.
1Student Loan Refinance Cash Back: To qualify for cash back, you must have a refinanced student loan amount of $10,000 or greater. The promo code StuRefiCash must be included on your application at the time of submission. The cash incentive will be direct deposited into the member’s Prime Share account within 60 days of loan funding. If the loan pays off within one year of funding, the incentive amount will be deducted from the member’s account. Maximum incentive is $300 per loan. Offer expires August 31, 2026. Loan must fund by August 31, 2026, to receive this special offer.
2New HELOC Prime -.10% Offer: PRIME -0.10% APR disclosure: Annual Percentage Rate (APR) is effective 7.19.2026 variable, and is subject to change. Rate is for combined loan-to-value of 80% or less, owner occupied homes and requires a FICO score of 740+. Higher rates may apply, depending on credit and combined loan-to-value. All loans are subject to credit approval. Credit limits up to $250,000. Appraisal may be required. California properties only. No Annual Fee. Flood and/or property insurance may be required. Your APR can adjust monthly and is based on the Prime Rate as published in the Wall Street Journal. Maximum advance period of 10 years, with a 15-year repayment period. $15,000 minimum initial advance required to avoid a processing fee. Thereafter, minimum advance is $200. Minimum loan balance of $10,000 must be maintained for first 12 months; otherwise, a $500 fee will be assessed. Minimum floor rate of 4.00% APR. Maximum loan rate of 18.00% APR. A sample monthly payment for an interest only HELOC, credit score of 740+ with a balance of $15,000 at 6.65% (Prime -.10%) is $83.13 during the draw period and $131.91 for the repayment period. A sample monthly payment for a traditional HELOC, credit score of 740+ with balance $15,000 at 6.65% (Prime -.10) is $187.50. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.NMLS #448984
3HELOC Switch and Save Offer: PRIME -0.25% APR disclosure: Annual Percentage Rate (APR) is effective 7.19.2026 variable, and is subject to change. To receive the .25% discount, a home equity loan or home equity line of credit at another financial institution with a balance greater than $15,000 must be paid through the transaction. Rate is for combined loan-to-value of 80% or less, owner occupied homes and requires a FICO score of 740+. Higher rates may apply, depending on credit and combined loan-to-value. All loans are subject to credit approval. Credit limits up to $250,000. Appraisal may be required. California properties only. No Annual Fee. Flood and/or property insurance may be required. Your APR can adjust monthly and is based on the Prime Rate as published in the Wall Street Journal. Maximum advance period of 10 years, with a 15-year repayment period. $15,000 minimum initial advance required to avoid a processing fee. Thereafter, minimum advance is $200. Minimum loan balance of $10,000 must be maintained for first 12 months; otherwise, a $500 fee will be assessed. Minimum floor rate of 4.00% APR. Maximum loan rate of 18.00% APR. A sample monthly payment for an interest only HELOC, credit score of 740+ with a balance of $15,000 at 6.5% (Prime -.25%) is $84.38 during the draw period and $130.67 for the repayment period. A sample monthly payment for a traditional HELOC, credit score of 740+ with balance $15,000 at 6.5% (Prime -.25) is $187.50. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. NMLS #448984
4EZ Buy n Refi: Loans are subject to credit approval. California properties only. Membership in USC Credit Union is required. Must qualify for USC Credit Union membership, and membership fee may apply; please call us or visit USCcreditunion.org to confirm eligibility. Adjustable Rate Mortgages (ARMs) do not qualify for this offer. To receive the $1,500 closing cost credit, the purchase transaction must close with USC Credit Union, refinance must occur within 36 months from the closing date of the purchase transaction, and the minimum loan amount must be $250,000. Verification of income, assets, appraised value, hazard and, if applicable, flood insurance will be required. PMI will be required on loans with loan to value exceeding 80%. Payments will be higher with property taxes and insurances. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. NMLS #448984