Congrats New Grad!

We have the tools to help you thrive in the real world—a cash back credit card and a new set of wheels!

    • Low Rate Car Loan

      Grads get the car you want and deserve. College graduate auto loans have low rates and no payments for 90 days! Apply online today!

      Get Started



    • Trojan Rewards MasterCard

      Grab the only rewards card that gives you the power to reward yourself with Tommy Trojan in your wallet! With no annual, balance transfer, or foreign transaction fees, the rewards just keep giving!

      Get Started


  • Refinance Your Student Loans

    Refinance your federal/private student loans into one easy, convenient payment with a lower rate — and take up to 5, 7, 10 or 15 years to repay. The choice is yours. It is time to live #DebtFree.

    Get Started



*Terms and conditions:

For all offers: Must qualify for USCCU membership; Minimum balance of $1 is required to maintain membership with USCCU.

Auto Loan: *90-day deferred payment option for qualified borrowers. Interest accrues immediately. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. This promotion does not apply to existing USC Credit Union Auto Loans.

Refer a Friend: *USC Credit Union membership required in order to open a new USCCU Checking account. The Referred Person must qualify for USCCU membership and membership fee may apply; please call (877) 670-­5860 or visit to confirm eligibility. Must be 18 years old or older. Must pass Chexsystems. Must open a new Checking account to earn reward. Cannot be combined with any other offer. If new membership is closed within the first 90 days, there is a $5 early membership closing fee. Must not have an existing USCCU Checking Account. Account must be opened and in good standing at the time of qualification to receive the Reward Card. USCCU employees and officials are not eligible for this offer. We reserve the right to disqualify any referrals in circumstances where we reasonably believe they were not sent to us in good faith. USC Credit Union reserves the right to change or cancel the promotion without notice. Accounts are subject to all terms and conditions set forth in the current Account Agreement and Truth-­In-­Savings Disclosure. See Schedule of Fees. Other conditions may apply. Please allow 4 to 6 weeks for Reward Card delivery after completing all offer requirements. Reward Cards are subject to Terms and Conditions delivered with the card, including limitations on types of transactions for which they may be used.

$50 Bonus: Requirements for $50 Bonus: Must be a USC recently graduated student (graduated between 1/1/2022 and 12/31/2022). Must open a new checking account product with debit card by 12/31/22; Must sign-up for e-statements; Must make ten (10) electronic bill payments OR ten (10) debit card transactions OR establish direct deposit with a minimum $250 amount within the first sixty (60) days of account opening. Account must be in good standing at the time of award with no negative balances or loan delinquencies. Offer may not be combined with any other promotion and may be canceled at any time without notice. $50 bonus may be considered interest reportable on IRS Form1099-INT.