© 2017. USC Credit Union.
All rights reserved. Federally Insured by NCUA.
Terms and Conditions:
Membership is required. Must qualify for USC Credit Union membership. Membership fee may apply; please call (877) 670-5860 or visit www.USCcreditunion.org to confirm eligibility. Must be 18 years old or older. Must pass Chexsystem. All accounts are subject to an approval process.
*Annual Percentage Rate (APR) is effective 4/1/17, may vary depending on each individual’s credit history and underwriting factors, includes the 0.25% interest rate reduction and must sign up for automatic payments through University Accounting Services. If at any time the automatic payments are stopped or the loan is not in repayment status, the rate discount will not be applied. The APR assumes that you will be in school for 4 years and have a 6-month grace period before repayment begins. Borrowing $10,000 at 2.88% accrues $749.25 in interest during 4 years in school and the 6-month grace period. Sample monthly payment would be 60 payments of $194.97. For illustration purposes only. The APR can differ from the interest rate as it considers fees paid to obtain the loan, your interest rate, if payments are deferred and reflects the cost of the loan as a yearly rate. You are not required to make payments on your loan while in school, although you may make principal and interest payments any time. Making payments while attending school will lower your APR. The minimum loan amount is $1,000. Your interest rate will be determined by your credit score or your cosigner’s, whichever is greater. Rate is variable and subject to increase or decrease. For further information on rates and costs, see the Application Truth in Lending Disclosure. You will be required to review the Application Truth in Lending Disclosure prior to submitting an application. Your school’s financial aid office will certify your approved loan amount based upon your eligibility. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
1To be eligible for the interest rate reduction for automatic payments, you must be signed up for automatic payments through University Accounting Services. If at any time automatic payments are stopped or the loan is not in repayment status, the rate discount will not be applied. USC Credit Union reserves the right to modify or discontinue benefits at its discretion and without notice.
2Your school’s financial aid office will certify your approved loan amount based upon your eligibility.
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