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 + FREE USC Alumni Plate Frame
    (offer expires 5/31/2018)

    Graduation is already paying off. Get that reliable ride you’ll need for work. Recent graduates get low rates, no payments for 90 days and a free USC Alumni License Plate Frame.! Apply online and use promo code: GRADAUTO18.

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  • FREE Checking + $50 Bonus

    Join today with a free Cardinal checking account and earn a $50 bonus*. Remember to use promo code ALUMNI50 when opening your new account.

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  • 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!

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  • 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.

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*Terms and conditions:

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

Auto Loan: Annual Percentage Rate (APR) is effective as of 03/01/2018, is based on creditworthiness and underwriting factors, and is our best rate. Based on a 36-month term and 80% and 100% financing of retail Kelley Blue Book Value for pre-owned cars and 80% and 100% loan-to-value for new car purchase. Other Loan-to-Value requirements may apply. Proof of income is required at the time of loan funding. Monthly payment per $1,000 for 36 months at 2.19% APR is $28.73. This payment example is for illustration purposes only. Your actual payment may vary. The 1.94% APR includes the 0.25% discount for automatic loan payment. To qualify for this rate discount, an automatic payment must be maintained throughout the life of the loan. Minimum loan amounts include $8,000 for a 60-month term loan and $15,000 for a 72-month term and $25,000 for 84-month term loan. 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.

License plate frame offer expires May 31, 2018. Only applications received between May 1st and May 31st, 2018 that are approved and funded, qualify for this promotion. Must use promo code GRADAUTO18 to claim offer. This promotion does not apply to existing USC Credit Union Auto Loans and applications. Duplicate applications do not qualify for this offer. License plate frame will be mailed via USPS within 60 days from the date of funding. While supplies last. License plate cannot be converted into cash value and is non-transferable. A $40 fee will be charged back to your share account if your loan is paid off within 12 months from the date of funding. Minimum loan balance to qualify for this offer is $10,000. Member responsible for any taxes associated with offer. One license plate frame per funded loan. USCCU reserves the right to change or cancel the promotion without notice. USCCU may report all prizes to the Internal Revenue Service (IRS) on Form 1099. USCCU and its Representatives do not provide tax or legal advice. For such advice, please consult a qualified professional.

$50 Bonus: Requirements for $50 Bonus: Must be a USC recently graduated student (graduated between 1/1/2018 and 12/31/2018). Must open a new checking account product with debit card by 12/31/18; 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.