GoGreen Loan

*APR (Annual Percentage Rate) is effective as of 10.8.2025 and is based on creditworthiness, underwriting criteria, and participation in qualifying discount programs. The lowest advertised rate of 3.49% APR includes the 0.25% discount for automatic loan payments¹ from a qualifying USC Credit Union checking account and the 0.25% discount for maintaining a PremiumSpend** Checking Account.

Additional stackable discounts include:

• 0.125% discount for verified renters²
• 0.125% discount for applicants whose residential address and project location qualify as a Low-Income and Disadvantaged Community (LIDAC)³
• To receive the 3.49% APR, at least 70% of the project cost must be for measures eligible under California’s GoGreen Home Energy Financing program⁴

¹To qualify for the automatic payment discount, borrower must set up recurring loan payments from an active USC Credit Union checking account.

²To qualify for the renter discount, applicant must not be a homeowner and must provide proof of current rental agreement or lease. Discount is not available to homeowners.

³LIDAC eligibility is determined based on project location and borrower’s residential address, according to State of California definitions. Visit the Eligibility Mapping Tool to check your property’s designation. ⁵ Project eligibility under GoGreen is determined based on utility provider. Projects must use eligible energy efficiency measures (EEMs) listed in the official GoGreen EEMs List, available at: https://www.gogreenfinancing.com/energy-efficiency-home-loans-california/eligible-financing-projects/gogreenfinancing.com/homemeasures

⁴A valid purchase order or contractor invoice is required to verify project scope before loan funding. Applicant may be required to be a customer of a participating utility provider. See GoGreen Financing for utility exceptions and full program details.

Only new solar panel installations, including battery bundles, are eligible. Replacement of existing panels does not qualify.

This is an unsecured loan product and is not associated with any mortgage or home loan.

All credit union loan programs, rates, terms, and conditions are subject to change without notice. Final rate is determined at loan approval and may vary based on credit, loan term, and project eligibility.

Example: Monthly payment per $1,000 borrowed at 3.49% APR over 12 months is $84.92. This example is for illustration purposes only. Actual payment may vary.

Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility

**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 cashiers checks (one (1) 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) 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. (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.