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.

$250 Checking Cash Bonus*

Ready for checking your way?

Open a new personal checking account and pocket a $250 cash bonus with direct deposit and qualifying activities.* Offer valid between May 6, 2024 to June 4, 2024. Learn More

2 Options to Open

  1. Visit a Branch
    Stop by a branch and mention promotional code: SPRING24. Feel free to schedule an appointment in advance! 

  2. Online
    Members: Fill out this form and include the promotional code: SPRING24

    Non-Members: Apply for membership to open your new checking account with promotional code: SPRING24

5.25% APY* New Money Certificate

Save Smart, Live Large

Grow your savings to new heights with a competitive 5.25% APY* on a 9-Month New Money Certificate. Make your money climb with a low minimum deposit of just $1,000 in new-to-USCCU funds.

3 Options to Open

  1. Call Us
    Call us at (877-670-5860).
  2. Visit a Branch
    Stop by a branch. Feel free to schedule an appointment in advance!
  3. Online
    Members: Log in to your member portal to open.
    Non-Members: Apply for membership and open at the same time.

0% Introductory APR*

Special Credit Card Offer

Enjoy a 0% introductory APR* for the first 15 billing cycles on purchases and balances transferred within the first 6 months of account opening. After that, a variable APR applies.*

0.25% discount on EV’s*

A Greener Ride Pays Off

Receive an additional loan rate discount of 0.25% on electric vehicles! Apply for a car loan today and score flexible terms and the personalized service you deserve.

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:

$250 Checking Cash Bonus: Offer is available to members who have not owned a USC Credit Union personal checking account within the last twelve (12) months or closed with a negative balance within the last 3 years. You can receive only one new checking account opening-related bonus per account. To receive the checking bonus all requirements must be met:

  1.  Open a new USC Credit Union personal checking account using promotional code: SPRING24 at account opening, which is subject to membership eligibility (membership fee may apply; please call 1-877-670-5860 or visit www.USCcreditunion.org to confirm eligibility). Business checking accounts are not eligible.
  2. Have qualifying direct deposits totaling $1,000 or more every 30 days for the first 90 days of checking account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®, Bill Pay, Cash Apps, ACH transfers between external bank accounts, etc.) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account;
  3. Make a minimum of ten (10) debit card transactions or more every 30 days for the first 90 days of checking account opening.

After you have completed all the above requirements, we’ll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. The bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).  Offer subject to change without notice.

 

5.25% APY Certificate: APY=Annual Percentage Yield is accurate as of 3/21/24. Fees may reduce earnings. Membership in USC Credit Union required. Must qualify for USC Credit Union membership, and membership fee may apply; please call (877-670-5860) 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, a 9-month term certificate will automatically roll over to a 12-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 offer cannot be combined with any other offers.

Platinum Credit Card: APR (Annual Percentage Rate) is effective 5.30.2024 and is subject to change. Your regular variable rate is determined by creditworthiness and payment history and may vary. The minimum monthly interest charge is $0.50. The 0.00% APR for purchases and balance transfers made during the qualifying transaction period within the first 6 months of account opening. All purchases, net of returns, qualify for the introductory APR. The introductory rate will remain in effect until the end of the 15th billing cycle billing cycle after account opening, thereafter, the standard rate of 13.40% to for purchases and balance transfer applies. Except for existing USC Credit Union loans, all balance transfers qualify for the introductory APR. There is a 3% Balance Transfer Fee of the total amount transferred per transaction or $10, whichever is greater. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. This introductory rate is available for a limited time, and rates and terms are subject to change without notice. Click here for full disclosure.

Platinum Rewards Credit Card: APR (Annual Percentage Rate) is effective 5.30.2024 and is subject to change. Your regular variable rate is determined by creditworthiness and payment history and may vary. The minimum monthly interest charge is $0.50. The 0.00% APR for purchases and balance transfers made during the qualifying transaction period within the first 6 months of account opening. All purchases, net of returns, qualify for the introductory APR. The introductory rate will remain in effect until the end of the 15th billing cycle billing cycle after account opening, thereafter, the standard rate of 15.40% to for purchases and balance transfer applies. Except for existing USC Credit Union loans, all balance transfers qualify for the introductory APR. There is a 3% Balance Transfer Fee of the total amount transferred per transaction or $10, whichever is greater. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. This introductory rate is available for a limited time, and rates and terms are subject to change without notice. Click here for full disclosure.

Auto Loan: Annual Percentage Rate (APR) Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2020 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 5.30.2024, 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 5.74% 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 (877-670-5860) 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.