Your home base to build financial literacy and well-being.
Make this the year you pay down debt, become a first-time home buyer or take that big life step and retire. Your money goals matter, and they’re still well within reach with USC Credit Union. We’re proud to offer free money management and financial education services that put you on a stronger financial path.
Participate in interactive and engaging online courses to improve your financial habits, manage your checking account, increase your credit score, navigate homebuying, and more!
Embark on a transformative journey towards financial literacy and success with this free learning experience. Take a short quiz to receive a personalized playlist, or start off with a course from our Achieve list!
Credit Report Review
Staying on top of your credit report is an important financial wellness checkup. Learn how to read your credit report, how a score is calculated, and ways to improve your score.
Debt Management Plans
Sometimes, life doesn’t go as planned, but with the help of a debt management plan, you can get back on track and well on your way to planning a better and brighter financial future.
Investment Planning Services
We’ve partnered with CFS Financial Advisor*, Rick Hoskins, who can work closely with you, no matter where you are, to create and implement investment plans that help achieve your unique goals and long-term objectives.
Access to free, one-on-one financial counseling delivered by certified experts who will help you to understand your situation, learn about options, and make a plan to meet your goals.
Student Loan Counseling
Understand repayment options that can postpone or lower your payments. Learn the pros and cons of each strategy so you can make an informed decision on which is best for you.
Talk to a housing expert to help you understand the homebuying or refinance process. You can also take advantage of foreclosure prevention services and rental counseling.
I’ve been a member of USC Credit Union for 32 years. While I am financially stable today, I wasn’t always. Yet USC Credit Union helped me fulfill every financial need I had, even when things were rough.
Don’t Sweat the Scams this Summer
Amidst all the sunshine and fun summer brings, scammers will try to rain on our parade. Stay ahead and shield your accounts with these 5 common summer scams to look out for!
The Top 4 Best Ways to Pay for College – How to Fill the Funding Gap
Let’s face it – no one is accepted to college and thinks, “I can’t wait to pay my tuition bill!” College is a big investment, which is why it’s important to know your options, plan ahead, and choose wisely when paying for it. Remember: filling out the Free Application for Federal Student Aid (FAFSA) is the first step to securing any financial aid! Follow the “free, cheap, gap” method to responsibly pay for college, and set yourself for a strong financial future down the road.
Home Loan Advice
How much down payment is normally required to buy a home?For many people, buying a home is one of the most significant financial decisions they will make in their lifetime. One of the key considerations in this process is the down payment, which is the amount of cash that a buyer pays upfront toward the purchase price. While the amount of the down payment required can vary depending on several factors, it is an essential component of the home-buying process.
Why Do Credit Unions Have Better Rates?
There’s a reason more than 130 million people belong to a credit union. Individuals choose credit unions over traditional banks for higher dividend rates, minimal account fees, and lower interest rates on loan products. But how can a small army of 5,000+ federally insured credit unions offer these benefits and a host of other financial benefits to everyday consumers?
Understanding Financial Aid Award Letters
You’ve received your college acceptance letters – congratulations! If you’ve been accepted to multiple schools, one of the biggest determining factors for your final choice may be the out of pocket cost for each option. Along with your acceptance letters, you should receive an award letter outlining the financial aid for which you are eligible at each college. Here are some important definitions you should know.
What is the difference between a credit union and a bank?
When it comes to managing your finances, you have several options available to you, including banks and credit unions. While both offer similar financial products and services, there are some key differences between the two that can affect your decision about which one to choose.
5 Pinch-Proof Tips to Prevent Scams & Fraud
Don't let scams and fraud catch you off guard this St. Patrick's Day. Protect your identity and money with these 5 pinch-proof tips!
Free Auto Buying eBook
This eBook will give you everything you need to know before buying a car. Learn how to be a savvy car shopper so you don’t get taken for a ride. We’ll arm you with knowledge of financing, interest rates, terms, and more. Be prepared, so you can drive off the lot with confidence.
Home Loan Advice
‘Pre-qualified’ and ‘pre-approved’ for a loan – what’s the difference?
As a home buyer, knowing the difference between being pre-qualified and pre-approved is an important step in the mortgage process. Making your decision on which one to choose starts with understanding the definition of each of those terms.
Protecting What You Value
If the unexpected happens, you don’t want to be compounded by financial worry. With Debt Protection, you may cancel your loan balance or payments in the event of involuntary unemployment, disability, or death.
Free ATMs. Free Online Banking. USC Credit Union checking accounts give you perks and plenty of choices from our no-fee basic to interest-bearing accounts.
Starter home, second home or your “forever home” – whatever you call it, we can help you call it home with affordable fixed-rate and adjustable-rate mortgages.
Instant Loans are just that – instant! Even if you don’t have perfect credit, our Life Flex and Ready Funds loans have you covered. Apply through Online or Mobile Banking. Get approved in seconds.
*Investments offered through CUSO Financial Services, L.P (“CFS”) (Member FINRA / SIPC) Not FDIC Insured. Not a Bank Guarantee or Obligation. Not a Deposit. May Lose Value. Non-Deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment representatives are registered through CFS. USC Credit Union has contracted with CFS to make non-deposit investment products and services available to USC Credit Union members.