Smart Yield Savings
Cuenta de ahorros de alto rendimento

Una forma más inteligente de hacer crecer tu dinero. 

Convierte tus ahorros en un activo financiero poderoso con nuestra cuenta de Ahorros Smart Yield. Diseñada para socios que cumplen con ciertos criterios de relación. Esta cuenta recompensa tu lealtad con ganancias de primer nivel. 

Beneficios:

  • Gana hasta un 3.80% APY* — con niveles que premian saldos más altos 
  • Sin cargos mensuales de mantenimiento 
  • Bajo depósito mínimo de apertura: solo $100 
  • Cobertura de seguro: 
    • Depósito de $249,999 o menos están asegurados por la Administración Nacional de Cooperativas de Crédito (NCUA) 

Para calificar: 

  • Debes mantener un depósito directo mensual mínimo de $2,500 y cumplir al menos uno de los siguientes requisitos: 
  • Tener una cuenta de cheques PremiumSpend
  • Tener un préstamo de consumo con USC Credit Union de $20,000 o más 
  • Tener un préstamo hipotecario con USC Credit Union de $50,000 o más 
  • Mantener al menos $50,000 en saldos combinados de cuentas en USC Credit Union 
  • Tener una cuenta activa con Trojan Wealth Management 

Socios: Inicia sesión en el portal socios, llámanos o visita una sucursal para abrir tu nueva cuenta. 

¿No eres socio?: Solicita tu membresía para comenzar. 

MoneySense

Gana Más, Automatiza para Acelerar

Piensa en una cuenta de ahorros Smart Yield como la autopista rápida de tu dinero. Gana más intereses que una cuenta de ahorros regular, sin esfuerzo adicional. Pero aquí va un consejo para que funcione aún mejor: automatiza tus depósitos. 

Supongamos que configuras una transferencia automática de $200 cada mes desde tu cuenta de cheques a tu cuenta de Ahorros Smart Yield. En un año, habrás ahorrado $2,400, más los intereses. Ni notarás que el dinero se fue, porque se transfiere automáticamente, y con el tiempo, esos depósitos (y los intereses que generan) se acumulan más rápido de lo que crees. Es una forma simple e inteligente de convertir buenos hábitos en grandes ahorros. 

Smart Yield Savings*

Cuenta de ahorros de alto rendimento

Tasas precisas a partir de 8/24/2025
Todas las tasas y términos están sujetos a cambios sin previo aviso.

Saldo, tasa de dividendo y APY para cuenta de ahorros de alto rendimento, Smart Yield Savings.
BalanceDividend RateAPY
$1 – $9,9990.000%2.00%
$10,000 – $49,9990.000%3.00%
$50,000 – $99,9990.000%3.50%
$100,000+0.000%3.80%
Non-qualifying balances0.000%0.15%

*Smart Yield Savings Disclosure: The Annual Percentage Yield (APY) for the Smart Yield Savings Account range from 2.00% – 3.80% based on balance tiers. For full details visit USCcreditunion.org/rates. A minimum opening deposit of $100 is required. Fees may reduce earnings.

To earn applicable tiered APY, you must:

  • Have a qualifying direct deposit totaling at least $2,500 per month via ACH (e.g., payroll, Social Security). Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®, Bill Pay, Cash Apps, ACH transfers between external bank accounts, etc.) are not considered a direct deposit.
  • And meet at least one of the following criteria:
    • Have a PremiumSpend checking account
      Carry a USC Credit Union consumer loan of $20,000 or more
    • Have a mortgage loan of $50,000 or more
    • Maintain at least $50,000 in combined share balances, or
    • Have an active account with Trojan Wealth Management

If requirements are not met in a given month, the account will earn a non-qualifying rate of 0.15%. Please review our Schedule of Fees for a full list of applicable charges. For complete account terms and conditions, refer to the USCCU Truth-in-Savings disclosures. Must meet membership eligibility requirements. Federally insured by the National Credit Union Administration (NCUA). Rates effective as of 8.24.2025 and are subject to change without notice.

Gana más al combinarlo con tu cuenta de cheques PremiumSpend

PremiumSpend

Cuenta de Cheques

Tasas precisas a partir de 8/24/2025
Todas las tasas y términos están sujetos a cambios sin previo aviso.

Todas las tasas y términos están sujetos a cambios sin previo aviso.
Dividend RateAPY*
0.050%0.05%

*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. 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. 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. 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. Unlimited non-shared network ATM transactions with PremiumSpend. When you use an ATM not displaying the USCCU or Co-Op ATM symbols, the ATM owner may charge additional fees. Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. 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 unlimited non-network domestic ATM transactions, 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. 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. Any USC Credit Union certificate account maintained by a PremiumSpend Checking Account owner will also be subject to an additional 0.25% APY on the certificate account dividends. $250 discount on closing costs on approved USC Credit Union home loans. View our Schedule of Fees for details on any fees you may incur.

Una relación con beneficios de ahorro

Empieza a hacer crecer tus ahorros con la cuenta que premia tu confianza y lealtad. Abre tu cuenta de ahorros de alto rendimento, Smart Yield Savings hoy mismo en línea o en una sucursal.

El APR para todo es genial. También puedes tener una de las mejores cuentas de ahorro que existen.

-Pablo

  • Cuentas de Cheques

    Cajeros automáticos gratuitos. Banca en línea gratis. Las cuentas de cheques de USC Credit Union te ofrecen ventajas y muchas opciones, desde nuestra cuenta básica sin comisiones hasta las cuentas que devengan intereses.

  • Préstamos Hipotecarios

    Vivienda inicial, segunda vivienda o tu «hogar para siempre» – como quiera que lo quieras llamar, podemos ayudarte a llamarlo tu hogar con hipotecas asequibles a tipo fijo y a tipo variable.

  • Préstamos para Autos

    ¿Por qué financiar con nosotros? Simple: Somos una cooperativa de crédito sin intereses de accionistas que cuidar. El resultado: Tasas de préstamos para automóviles, camiones, motocicletas, vehículos recreativos y mucho más, que derrotan a los bancos tradicionales.

*Smart Yield Savings Disclosure: The Annual Percentage Yield (APY) for the Smart Yield Savings Account range from 2.00% – 3.80% based on balance tiers. For full details visit USCcreditunion.org/rates. A minimum opening deposit of $100 is required. Fees may reduce earnings.

To earn applicable tiered APY, you must:

  • Have a qualifying direct deposit totaling at least $2,500 per month via ACH (e.g., payroll, Social Security). Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®, Bill Pay, Cash Apps, ACH transfers between external bank accounts, etc.) are not considered a direct deposit.
  • And meet at least one of the following criteria:
    • Have a PremiumSpend checking account
    • Carry a USC Credit Union consumer loan of $20,000 or more
    • Have a mortgage loan of $50,000 or more
    • Maintain at least $50,000 in combined share balances, or
    • Have an active account with Trojan Wealth Management

If requirements are not met in a given month, the account will earn a non-qualifying rate of 0.15%. Please review our Schedule of Fees for a full list of applicable charges. For complete account terms and conditions, refer to the USCCU Truth-in-Savings disclosures. Must meet membership eligibility requirements. Federally insured by the National Credit Union Administration (NCUA). Rates effective as of 8.24.2025 and are subject to change without notice.