Promotions & Special Offers

Disclosures:

*Banner Disclosures:

4.05% APY 12-Month Certificate with PremiumSpend Checking Offer: APY of 4.05% is more than 10 times higher than the national average savings account rate of 0.39%, as reported by the FDIC on March 16, 2026. 

PremiumSpend checking account disclosure: A $8.95 monthly service fee applies, but the fee will be waived if you meet one of the following requirements in a month: (a) minimum $5,000 average daily balance maintained in the PremiumSpend Checking Account during that month; or (b) minimum $25,000 combined share account balance maintained at USC Credit Union every day during that month.

(2) PremiumSpend Checking Accounts are subject to a variable rate. For the current dividend rate(s) and corresponding APY(s), refer to the separate Rate Sheet.

(3) The minimum opening deposit for PremiumSpend Checking Accounts is $25.00. The minimum balances required to earn dividends are disclosed in our Schedule of Fees.

(4) For payroll that can be verified by the Credit Union to its reasonable satisfaction, your direct deposit paycheck may be made available up to two (2) to three (3) calendar days prior to your regular payroll deposit date.

(5) PremiumSpend Checking Account owners are provided access to approximately 32,000 fee-free nationwide COOP ATMs and to approximately 2,300 fee-free Citi Community Network ATMs. In addition, PremiumSpend Checking Account owners are provided access to 5,200 fee-free nationwide Shared-Branching locations.

(6) PremiumSpend Checking Account owners are provided the following free services: free check writing, free incoming domestic wire transfers, free debit card, free Mobile Banking, free Mobile Deposit, free Bill Pay, free Zelle, free eStatements, optional free paper statements, one (1) complimentary financial review with a Trojan Wealth Management advisor, free non-network domestic ATM transactions (up to four (4) each month), free Credit Union cashier’s checks or money orders (three (3) a month), free Credit Union notary services (one (1) a month), free temporary checks, and free access to their credit score through online banking.

(7) PremiumSpend Checking Accounts are also provided Overdraft Protection services that cover your check, ACH, debit card, and ATM transactions if your account has insufficient available funds to cover the transaction, but we pay the transaction anyway, resulting in a negative balance. Overdraft Protection services are only provided for everyday (one-time) debit card transactions, if you have opted in to payment of such transactions. Each overdraft transaction covered under the Overdraft Protection service is subject to a $14 fee. We reserve the right not to pay any overdraft transaction, even if we have paid such transactions in the past, and also will only make the Overdraft Protection service available to members in good standing. You must repay any negative balance resulting from Balance Protection may be reduced if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day. You must bring your account balance positive for at least one business day to have the full Balance Protection limit reinstated.

(8) Only USC Credit Union certificate accounts opened after a PremiumSpend Checking Account is established are eligible for the additional 0.25% added to the dividend rate. Certificate accounts opened prior to the establishment of PremiumSpend Checking are not eligible for this 0.25% increase.

(9) Select new USC Credit Union loans opened by an owner of a PremiumSpend Checking Account will be eligible for a 0.25% APR discount on the loan rate for as long as the owner maintains the PremiumSpend Checking Account.

(10) Any USC Credit Union closed-end or home equity line of credit mortgage loan application approved that was submitted by a PremiumSpend Checking Account owner will receive a $250 mortgage closing cost discount that will apply to Credit Union-imposed and third party closing costs. View our Schedule of Fees for details on any fees you may incur.

APY = Annual Percentage Yield. APY is accurate as of 3.30.2026. Fees may reduce earnings. Early withdrawal penalties apply. $1,000 minimum.

Extended Insurance Protection $2,000 Offer for Nonprofits: Extended federal insurance provided by network credit unions. A list identifying network credit unions can be found here. Certain conditions must be satisfied for “pass-through” deposit insurance coverage to apply. Annual Percentage Yield (APY) as advertised is accurate as of 7.28.2026. Within 45 days of coupon enrollment, deposit and maintain new funds at USC Credit Union for 90 days to receive an American Express gift card. Earn $500 when you deposit $250K-$500K; earn $1,000 when you deposit up to $1M; earn $2,000 when you deposit $1M or more.

¹Student 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 August 31, 2026. Loan must fund by August 31, 2026, to receive this special offer.

²New HELOC Prime -.10% Offer: PRIME -0.10% APR disclosure: Annual Percentage Rate (APR) is effective 7.28.2026 variable, and is subject to change. Rate is for combined loan-to-value of 80% or less, owner occupied homes and requires a FICO score of 740+. Higher rates may apply, depending on credit and combined loan-to-value. All loans are subject to credit approval. Credit limits up to $250,000. Appraisal may be required. California properties only. No Annual Fee. Flood and/or property insurance may be required. Your APR can adjust monthly and is based on the Prime Rate as published in the Wall Street Journal. Maximum advance period of 10 years, with a 15-year repayment period. $15,000 minimum initial advance required to avoid a processing fee. Thereafter, minimum advance is $200. Minimum loan balance of $10,000 must be maintained for first 12 months; otherwise, a $500 fee will be assessed. Minimum floor rate of 4.00% APR. Maximum loan rate of 18.00% APR. A sample monthly payment for an interest only HELOC, credit score of 740+ with a balance of $15,000 at 6.65% (Prime -.10%) is $83.13 during the draw period and $131.91 for the repayment period. A sample monthly payment for a traditional HELOC, credit score of 740+ with balance $15,000 at 6.65% (Prime -.10) is $187.50. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.NMLS #448984

³HELOC Switch and Save Offer: PRIME -0.25% APR disclosure: Annual Percentage Rate (APR) is effective 7.28.2026 variable, and is subject to change. To receive the .25% discount, a home equity loan or home equity line of credit at another financial institution with a balance greater than $15,000 must be paid through the transaction. Rate is for combined loan-to-value of 80% or less, owner occupied homes and requires a FICO score of 740+. Higher rates may apply, depending on credit and combined loan-to-value. All loans are subject to credit approval. Credit limits up to $250,000. Appraisal may be required. California properties only. No Annual Fee. Flood and/or property insurance may be required. Your APR can adjust monthly and is based on the Prime Rate as published in the Wall Street Journal. Maximum advance period of 10 years, with a 15-year repayment period. $15,000 minimum initial advance required to avoid a processing fee. Thereafter, minimum advance is $200. Minimum loan balance of $10,000 must be maintained for first 12 months; otherwise, a $500 fee will be assessed. Minimum floor rate of 4.00% APR. Maximum loan rate of 18.00% APR. A sample monthly payment for an interest only HELOC, credit score of 740+ with a balance of $15,000 at 6.5% (Prime -.25%) is $84.38 during the draw period and $130.67 for the repayment period. A sample monthly payment for a traditional HELOC, credit score of 740+ with balance $15,000 at 6.5% (Prime -.25) is $187.50. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. NMLS #448984

⁴EZ 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