© 2017. USC Credit Union.
All rights reserved. Federally Insured by NCUA.
Terms and Conditions:
Membership is required. All membership accounts are subject to an approval process. 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. The minimum loan amount is $1,000.
*Annual Percentage Rate is effective 1/1/2018-3/31/18. Variable rates from 3.31% - 8.99% APR (with autopay) and fixed rates from 4.90% - 9.00% APR (with autopay). Your interest rate will be determined by your credit score or your cosigner’s, whichever is greater. 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 3.31% accrues $864.07 in interest during 4 years in school and the 6-month grace period. Sample monthly payment would be 60 payments of $197.93. Variable rates are subject to increase or decrease. Borrowing $10,000 at 4.90% accrues $1,295.27 in interest during 4 years in school and the 6-month grace period. Sample monthly payment would be 60 payments of $213.93. 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.
1AutoPay Discount: To be eligible for the rate discount, you must be signed up for automatic payments. Automatic payments must be initiated through University Accounting Services. If at any time automatic payments stop or the loan is not in repayment status, the rate discount will not be applied.
2Your school’s financial aid office will certify your approved loan amount based upon your eligibility.
For further information on rates and costs, see the Application Truth in Lending Disclosure. This information is current as of October 1, 2017 and is subject to change. USC Credit Union reserves the right to modify or discontinue benefits at its discretion and without notice.
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