Promociones y Ofertas Especiales

Disclosures:

*Banner Disclosures:
Stack & Earn $400 Direct Deposit Offer: The USC Credit Union Direct Deposit $400 Offer Campaign (“Promotional Offer”) is valid for qualifying direct deposits first established between April 6, 2026, and June 30, 2026 at 11:59 p.m. Pacific Time. This promotional offer is open to individuals who: are 18 years of age or older, are USCCU members in good standing at the time of qualification and payout, maintain a personal USCCU checking account, and have not received a qualifying direct deposit into any USCCU account within ninety (90) days prior to the offer start date. The Annual Percentage Yield (APY) for the Premium Spend checking account associated with this offer is 0.05% APY. APY is a variable rate and may change after the account is opened. APY is accurate as of 4/6/26. Fees, including maintenance or activity fees, may reduce earnings on the account. Promotional offer available to new members and existing members without a current qualifying direct deposit. Business, trust, fiduciary, and organizational accounts are not eligible. USCCU employees, officials, directors, and their immediate family members are not eligible. Eligibility will be verified at the time each bonus is earned and paid. Promotional code “DIRECT” must be provided at the time of opening a new checking account. For existing members with a checking account who do not currently have a direct deposit established, promotional offer must be activated by completing promotional direct deposit form. Promotional form must be completed with email associated with primary account before establishing direct deposit. Click here to access promotional direct deposit form. A “qualifying direct deposit” is an electronic payroll deposit of salary, wages, pension, or government benefits from an employer, payroll provider, or government agency, deposited via the ACH network. The following do not qualify: transfers between USCCU accounts, person-to-person payments (Zelle®, Bill Pay, Cash Apps), wire transfers, check deposits, and micro-deposits (typically less than $1). USCCU reserves the right to determine whether a deposit qualifies based on ACH transaction coding and origin. Direct Deposit Requirement (Members with no direct deposit established within 90 (ninety) days of promotional offer). A qualifying direct deposit must be received into a USC Credit Union personal checking account within promotional term to activate the offer. The date the first qualifying direct deposit posts marks the start of all promotional periods below. Members may earn up to $400 as follows:

1. Two-Month Bonus: $150

Earn $150 after sixty (60) days of maintaining at least $2,000 in qualifying direct deposits in each of two consecutive 30-day periods (60 days total), beginning on the date the first qualifying direct deposit is posted. Both periods must meet the $2,000 direct deposit minimum independently into a personal USCCU checking account. The $150 bonus will be deposited within thirty (30) days after qualification is verified.

2. Six-Month Bonus: $150

Receive at least $2,000 in qualifying direct deposits in each of six consecutive 30-day periods (180 days total), beginning on the date the first qualifying direct deposit is posted. “Consecutive” means each 30-day periods immediately following the initial qualification month without interruption or reduction below the $2,000 monthly threshold. The $150 bonus will be deposited within thirty (30) days after qualification is verified.

3. Debit Card Bonus – Up to $100

Earn $100 by completing the following within sixty (60) days of the date the first qualifying direct deposit is posted: 30 debit card purchase transactions. Qualifying transactions must have a minimum amount of $10.00 per transaction. ATM transactions, cash advances, person-to-person transfers, returns, and reversed transactions do not qualify. Debit bonuses will be deposited within thirty (30) days after transaction thresholds are met.

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 5.21.2026. 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.

¹4.05% APY CD Disclosure: 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.

The PremiumSpend value of features and benefits shown is an estimate based on assumed average annual usage of available benefits and services. Actual value will vary based on individual usage, eligibility, and participation. Benefits are subject to terms, conditions, limitations, and may be provided by third-party providers. Not all members will use all services, and unused benefits have no cash value. This estimate is for illustrative purposes only, USC Credit Union does not guarantee savings or outcomes, and benefits may change or be discontinued at any time. 

Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available. Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis. 

Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit. Guide to Benefit can be found online at ClubChecking.com or through the Club Checking mobile app.

Available for the account owner(s) and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance. 

²Student 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.

³New HELOC Prime -.10% Offer: PRIME -0.10% APR disclosure: Annual Percentage Rate (APR) is effective 5.21.2026 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

⁴HELOC Switch and Save Offer: PRIME -0.25% APR disclosure: Annual Percentage Rate (APR) is effective 5.21.2026 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

⁵EZ 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