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

    Graduation is already paying off. Get that reliable ride you’ll need for work. Recent graduates get low rates and no payments for 90 days! 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 8/2/2018, is based on creditworthiness and underwriting factors, and is our best rate. Based on a 36-month term and 100% financing of retail Kelley Blue Book Value for pre-owned cars 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 2.74% APR is $28.97. This payment example is for illustration purposes only. Your actual payment may vary. The 2.49% 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, $15,000 for a 72-month term, and $25,000 for an 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.

$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.