Promotions & Special Offers

USC Credit Union membership comes with exclusive offers – and we’re always adding new ones. Check back from time to time so you never miss an opportunity to save.

Holiday $1,000 Cha-Ching

Set-up direct deposit into your checking or savings account. 2 winners per month. Your chance at $1,000!*

$1,000 Biweekly Direct Deposit Sweepstakes*

  • Get into the holiday spirit with the Holiday $1,000 Cha-Ching Sweepstakes!
  • Set up direct deposit between October 1, 2025, and December 18, 2025, and you’ll automatically be entered for a chance to win $1,000* in our biweekly raffle.
  • Every two weeks, one lucky member will be randomly selected to receive $1000*, directly deposited into their savings or checking account, just in time for holiday gifts, gatherings, or even a little treat for themselves.

It’s that simple: set up direct deposit to your savings or checking account, relax, and let the cha-ching bring joy to your season!

Student Loan Refi Cash Back

Tackle your student debt and earn up to $300* with a student loan refinance.

Simplify your payments, lower your interest rate, and keep more money in your pocket – so you can focus on what’s next. Refinance your high-interest student loans and enjoy cash back* up to:

  • $100 for refinance loans of $10,000 – $24,999

  • $200 for refinance loans of $25,000 – $49,999

  • $300 for refinance loans of $50,000 or more

Use Promo Code: StuRefiCash at the end of your application to redeem this offer.

Offer ends April 30, 2026

Switch and Save

Discounted rate on your HELOC: Prime -0.25%*

Refinance your existing HELOC or home equity loan from another lender and save more with our exclusive discounted rate of Prime -0.25%*.

How It Works

  1. Apply Now. Submit an easy application online or with a home equity loan officer. Mention “Switch and Save” when you speak to your loan officer! Check Current Rates
  2. We Handle Payoff. Once your Prime -0.25%* rate is approved, we’ll take care of the payoff and transfer with your old lender –  hassle-free.
  3. Enjoy Your Lower Rate. Start saving and put your home’s equity to work for renovations, big purchases, debt consolidation, and more.

EZ Buy n Refi

Buy Now, Refi Later, Save Thousands

Perfect homes don’t wait – why should you? With our EZ Buy n Refi mortgage plan, you can get the keys to your dream home now, settle in without the stress, and refinance if rates drop. Plus, you’ll get a $1,500 discount* on your refi closing costs!

How It Works

  1. Buy Now. Purchase your new home with a competitive fixed- or adjustable-rate mortgage.
    Check Current Rates
  2. Refi Later. Refinance within three years of purchase if rates drop.
  3. Save. Receive a $1,500 discount* on your refi closing costs. Couple that with the thousands of potential savings over the life of your mortgage.

4.00% APY* 36-Month No-Penalty Certificate for Wildfire Impacted Members

Earn 4.00% APY1 on a 36-Month No-Penalty Certificate. Enjoy penalty-free access1 to your funds. Get started with a minimum deposit of $1,000. New Money Only

  • Designed to grow your savings while having flexible access to your funds as you rebuild and recover.
  • Withdraw some or all of your balance and earnings before maturity – penalty-free*.
  • Exclusively for new and current USC Credit Union members impacted by the Eaton, Palisades, or Hurst wildfires in California*.

Options to Open

Business Money Market

Invest in your business

Part of our commitment to enhancing the economic well-being of our communities includes the foundation of them all – local businesses. Invest in your business with our competitive Business Money Market Account!

USC Credit Union has been a reliable source of financial support for me for 36 years! I’ve never had a better experience.

-Carol

  • Personal Loans

    Pay for the unexpected, consolidate debt, pay for home improvements, or make a major purchase with one of our affordable Personal Loan options.

  • Checking Accounts

    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.

  • Home Loans

    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.

    *Disclosures:

    Holiday $1,000 Cha-Ching: View official rules at Holiday Cha-Ching: Win $1,000 with Direct Deposit.

    Student Loan Refinance Cash Back: To qualify for cash back, you must have a refinanced student loan amount of $10,000 or greater. The promo code StuRefiCash must be included on your application at the time of submission. The cash incentive will be direct deposited into the member’s Prime Share account within 60 days of loan funding. If the loan pays off within one year of funding, the incentive amount will be deducted from the member’s account. Maximum incentive is $300 per loan. Offer expires April 30, 2026. Loan must fund by April 30, 2026 to receive this special offer.

    4.00% APY 36-Month No-Penalty Certificate: USC Credit Union offers a special 36-month new money certificate with a no-penalty option for members affected by the Eaton, Hurst, or Pacific Palisades wildfires in California. This certificate features an Annual Percentage Yield (APY) of 4.00%, effective as of February 24, 2025. This APY is not a variable rate and will not change during the term of the certificate. However, all credit union programs, rates, terms, and conditions are subject to change after account opening. Membership in USC Credit Union is required, and eligibility can be confirmed visiting www.usccreditunion.org. This offer is limited to new money deposits from external financial institutions; existing USCCU funds are ineligible. A minimum deposit of $1,000 is needed, and there is no maximum deposit limit. This certificate will automatically renew for another 36 months at the current APY upon maturity. Members directly affected by the Eaton, Hurst, or Pacific Palisades wildfires in California – whether they reside or work in the affected areas or have experienced job loss or income reduction – may make early withdrawals (partial or full) or close their certificates before maturity without penalty. This offer does not apply to Individual Retirement Accounts (IRAs) or Share/Certificate Secured Loans. As for term share accounts, this certificate does not compound dividends; therefore, required dividend payouts will be credited at the end of the certificate’s term, provided the account remains open until the dividends are due. Dividends will not be earned if the share certificate is closed before the dividends are credited at the end of each month. For more details, please refer to the Account Agreement and Truth-In-Savings Disclosures. Promotional offers cannot be combined with any other offers and may be subject to change without notice.

    EZ Buy n Refi: Loans are subject to credit approval. California properties only. Membership in USC Credit Union is required. Must qualify for USC Credit Union membership, and membership fee may apply; please call us or visit USCcreditunion.org to confirm eligibility. Adjustable Rate Mortgages (ARMs) do not qualify for this offer. To receive the $1,500 closing cost credit, the purchase transaction must close with USC Credit Union, refinance must occur within 36 months from the closing date of the purchase transaction, and the minimum loan amount must be $250,000. Verification of income, assets, appraised value, hazard and, if applicable, flood insurance will be required. PMI will be required on loans with loan to value exceeding 80%. Payments will be higher with property taxes and insurances. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice. NMLS #448984

    Auto Loan: Annual Percentage Rate (APR) Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2023 or newer vehicle models. Such rates are subject to change based on vehicle year. Other Loan-to-Value requirements may apply. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. Annual Percentage Rate (APR) is effective as of 10.30.2025, is based on creditworthiness and underwriting factors, and is our best rate. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 36 months at 5.19% is . This payment example is for illustration purposes only. Your actual payment may vary. 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 us or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. Rates do not apply to existing USC Credit Union Auto Loans. 90-day deferred payment option for qualified borrowers. Interest accrues immediately.