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.

 

5-Month CD Business Offer Banner

 

4.250% APY1 New Money 5-Month Certificate

Stars & Savings: Celebrating America’s Semiquincentennial with a Special Limited-Time Offer

As America celebrates 250 years of independence, take the opportunity to invest in your own financial future with a guaranteed 4.250% APY1 on a special 5-Month New Money Certificate. 

  • Fund your new money 5-Month CD and earn 4.250% APY1
  • Open and fund your account with as little as $1,000 in new money deposited
  • Guaranteed Returns
  • Federally Insured up to $250,000

Offer ends July 10, 2026

Student Loan Refi Cash Back

Tackle your student debt and earn up to $3002 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 back2 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 August 31, 2026

HELOC Below Prime

Discounted rate on your NEW HELOC: Prime -0.10%3

Access a flexible Home Equity Line of Credit from $10,000 to $250,000 with no upfront costs or annual fees. Borrow only what you need at -.10% interest below Prime.3

  • Convenient 24/7 online access
  • Interest-only payments on the amount borrowed3
  • Flexibility to repay and borrow again as needed.

HELOC Switch and Save

Discounted rate on your HELOC refinance: Prime -0.25%4

Refinance your existing HELOC or home equity loan from another lender and save more with our exclusive discounted rate of Prime -0.25%4.

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%4 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 discount5 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 discount5 on your refi closing costs. Couple that with the thousands of potential savings over the life of your mortgage.

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:

    *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 7.7.2026. 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.

    14.250% APY New Money 5-Month CD Disclosure: APY=Annual Percentage Yield is accurate as of 6/25/2026. Fees may reduce earnings. Membership in USC Credit Union required. Must qualify for USC Credit Union membership, and membership fee may apply; please call (213) 821-7100) or visit www.USCCreditUnion.org to confirm eligibility. Must be new money deposit from another financial institution. Existing USCCU funds not applicable. $1,000 minimum opening amount with no maximum deposit amount. Once mature the 5-month term certificate will automatically roll over to 6-month term at that APY. A bonus rate on all certificates of $50,000 or more does not apply. The share certificate will be closed, and an early withdrawal penalty will be imposed on the entire balance if a withdrawal of principal is made prior to the Maturity Date. Please refer to Account Agreement and Truth-In-Savings Disclosures for more information. Dividends will not be earned if the share certificate is closed before the dividends are credited by the ending date of each month. This promotion does not apply to Individual Retirement Accounts (IRA) and Shared/Certificate Secure Loans. All credit union programs, rates, terms, and conditions are subject to change without notice. Offer rates and terms are subject to change without notice. Promotional offers cannot be combined with any other offers. Offer ends July 10, 2026.

    2Student 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.

    3New HELOC Prime -.10% Offer: PRIME -0.10% APR disclosure: Annual Percentage Rate (APR) is effective 7.7.2026 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

    4HELOC Switch and Save Offer: PRIME -0.25% APR disclosure: Annual Percentage Rate (APR) is effective 7.7.2026 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

    5EZ 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