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.

homecoming $100 bonus

4.50% APY* 9-Month New Money Certificate

Wrap up the year with growth

Gift your savings with a special 4.50% APY* on a 9-Month New Money Certificate. This limited-time offer is designed to help your money grow and bring joy long after the holidays.

Options to Open

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

New-to-USC Credit Union funds only.

Score a $100 Bonus*

Limited-time offer for new members

Join the winning team and score a $100 bonus! Experience easy, not-for-profit banking that puts your financial success first.

$100 Bonus Requirements*

  • Open a share account ($1 minimum deposit + $9 membership fee)
  • Open any checking account with a debit card
  • Set up direct deposit totaling $500 within 60 days of account opening
  • Sign-up for eStatements

Options to Open

Must use or mention promo code: HC24

Ends December 31, 2024

4.50% APY* Trojan Family Money Market Account

Make savings a shared journey with a Trojan Family Money Market Account! Maximize your earnings with a strong 4.50% APY*, keep your assets liquid, and earn a $50 bonus* just for being a parent or student! New Money Only

4.50% APY* and $50 Bonus Requirements

  • Maintain a daily balance of $5,000 in new funds for 3 months
  • Limited to USC Parents/Relatives, USC Students, or Los Angeles/Orange County Parents or Students
  • Mention or enter promo code FAMILY24 at account opening

Options to Open

Must Use Promo Code: FAMILY24

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.

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:

4.50% APY* 9-Month New Money Certificate: APY=Annual Percentage Yield is accurate as of 11/19/2024. 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 9-month term certificate will automatically roll over to 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 offers cannot be combined with any other offers. Offer ends December 13, 2024.

$100 Bonus: Offer starts November 16, 2024. Must open a new checking account product with a debit card and share account with a minimum of $10. Must sign up for e-statements and establish a direct deposit totaling $500 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. Offer does not apply to second or multiple checking accounts and/or existing checking members and is limited to one bonus per household. The $100 bonus may be considered interest reportable on IRS Form 1099-INT. Must use Promo Code HC24 to qualify. Offer ends December 31, 2024. Subject to change.

4.50% APY New Money Trojan Family Money Market Account: Annual Percentage Yield (APY) for balances of $5,000 or more is accurate as of 8/16/24. Membership in USC Credit Union is required. Promotional eligibility is limited to USC Parents/Relatives, USC Students, or Los Angeles/Orange County Students or Parents. A membership fee may apply. Confirm eligibility by visiting www.USCCreditUnion.org. Other account types such as business, estate, trust, guardian, rep payee, etc., are not eligible. Use code FAMILY24 at account opening and maintain a daily balance of $5,000 for the first 90 days after the date of your deposit to earn a $50 bonus. Offer is valid for new money deposits from another financial institution only. Existing USCCU funds are not eligible. The $50 bonus will be deposited into the account owner’s primary share savings account within 30 days after it is earned. If the daily balance average falls between $0.00 to $4,999.99, a published rate of 0.250% (0.25% APY) will apply, along with applicable service fees as listed in the USCCU schedule of fees. The dividend period begins on the first day of the month and ends on the last day of the month.

The 4.50% APY rate is guaranteed through November 30th, 2024, for accounts maintaining a daily balance of $5,000 or more. Eligible only for individual accounts; and limited to one cash bonus per individual member. Promotional offer cannot be combined with any other offers and is subject to change or end without notice. The $50 bonus is considered taxable income, and recipients are responsible for reporting the amount to the IRS. USC Credit Union and its Representatives do not provide tax or legal advice. Please consult with a qualified professional for tax or legal advice. All credit union programs, rates, terms, and conditions are subject to change without notice. For more details, speak to a USC Credit Union Member Specialist.

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

Platinum Credit Card: APR (Annual Percentage Rate) is effective 12.8.2024 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 12.65% 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 us 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 12.8.2024 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 14.65% 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 us 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 12.8.2024, 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 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.