Certificados de Depósito

Asegura nuestros mejores rendimientos en tus propios términos.

Como socio-propietario, obtendrás una rentabilidad garantizada cuando asegures un Certificado de Depósito, a un plazo específico. No sólo obtienes nuestros mejores rendimientos, sino que también elijes la cantidad del depósito y los términos. Obtén Ladder USC Credit Union Certificados de Depósito de diferentes cantidades y plazos para que cuando las tasas suban ganes más de con tu inversión.

Las ventajas incluyen:

  • Invierta tan poco como $1,000
  • Altos APY para un gran retorno
  • En cualquier momento, elija renovar o cerrar al vencimiento
  • Sin cargos mensuales por mantenimiento o transacción*
  • Disponible en sucursal, por teléfono y banca en línea
  • Respaldado por el seguro de la NCUA

Socios: Inicie sesión en su portal de miembros, llámenos o visite una sucursal para abrir tu nueva cuenta.

Si no eres socio: Solicite la membresía, llámenos, o visite una sucursal.

MoneySense

En términos financieros, una escalera es una estrategia en la que tu distribuyes tu inversión en varios certificados de acciones de diferentes plazos. (Cuanto más largo sea el plazo, mayor será el tipo de interés.) ¿Cómo se construye esta escalera? Supongamos que tienes 10,000 dólares para invertir. Imagina una escalera con cinco peldaños. Podrías dividir tu inversión en cinco cantidades iguales de $ 2,000 con plazos que aumentan a medida que subes peldaños, de tres meses a cinco años. Cuando venza el certificado a tres meses, reinvierte esa cantidad ($ 2,000 + intereses) en un certificado a más largo plazo. A continuación, asciende por la escalera, repitiendo esa estrategia con cada fecha de vencimiento, y multiplicando tus ganancias a medida que avanzas.

Share Certificates Rates*

Tasas precisas a partir de 6/21/2025
Todas las tasas y términos están sujetos a cambios sin previo aviso.

Term, Dividend Rate, and APY for Share Certificates (CDs)
TermDividend RateAPY**
3 Months3.203%3.25%
6 Months3.203%3.25%
12 Months3.445%3.50%
24 Months3.203%3.25%
36 Months3.445%3.50%
48 Months3.445%3.50%
60 Months3.445%3.50%

*APY = Annual Percentage Yield. APY is accurate as of 6.21.2025. Fees may reduce earnings. Early withdrawal penalties apply.

**$1000.00 minimum.

Elije tus condiciones. Observa cómo se multiplica tu dinero.

Obtén nuestros mejores rendimientos en los plazos que elijas con los Certificados de Depósito. Abre tu cuenta en línea o en cualquier sucursal. 

Apertura de cuenta sin complicaciones. Excelentes tasas en cuentas de ahorro.

-Ankita

  • Cuenta del Mercado Monetario

    Mantén tus ganancias altas y tus activos líquidos. Abre una Cuenta del Mercado Monetario de USC Credit Union con tan sólo $2,500.

  • IRAs

    Invierte en tu futuro. Haz contribuciones anuales deducibles de impuestos con una Cuenta de Jubilación Individual (IRA) tradicional. Obtén un crecimiento compuesto libre de impuestos con una cuenta IRA Roth.

  • Membresía Familiar

    ¿Ya eres socio? Extiende los beneficios de la membresía de USC Credit Union a todos los miembros de tu familia inmediata u hogar – ¡todos están invitados a convertirse en socios propietarios!

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      Divulgaciones:

      4.25% APY 13-Month New Money Certificate: APY=Annual Percentage Yield is accurate as of 6.21.2025. Fees may reduce earnings. Membership in USC Credit Union required. Must qualify for USC Credit Union membership, and membership fee may apply; please call (213) 821-7100 or visit www.USCCreditUnion.org to confirm eligibility. Must be new money deposit from another financial institution. Existing USCCU funds not applicable. $1,000 minimum opening amount with no maximum deposit amount. Once mature the 13-month term certificate will automatically roll over to 12-month term at that APY. A bonus rate on all certificates of $50,000 or more does not apply. The share certificate will be closed, and an early withdrawal penalty will be imposed on the entire balance if a withdrawal of principal is made prior to the Maturity Date. Please refer to Account Agreement and Truth-In-Savings Disclosures for more information. Dividends will not be earned if the share certificate is closed before the dividends are credited by the ending date of each month. This promotion does not apply to Individual Retirement Accounts (IRA) and Shared/Certificate Secure Loans. All credit union programs, rates, terms, and conditions are subject to change without notice. Offer rates and terms are subject to change without notice. Promotional offers cannot be combined with any other offers. Offer ends 6/30/2025.

      *Ve nuestra Lista de tarifas para más detalles sobre las comisiones de las cuentas del Mercado Monetario y Certificados de Depósito 

      **USC Credit Union paga una tasa de bonificación en todos los certificados de $50,000 o más. La tasa de bonificación no se aplica a las promociones especiales de certificados. Consulta las divulgaciones de Truth-in-Savings de USC Credit Union, encontrado en la banca en línea, para obtener información completa sobre los términos de la cuenta y las condiciones relacionadas. Se aplican penalidades por retiro anticipado. Las tasas pueden variar después de la apertura de la cuenta.