Loans

We offer a wide selection of loan products and services for every stage of life

    Vehicle Loans

    Vehicle Loans

    No matter what you’re shopping for, we want you to get a deal you’ll be proud of. To make that happen, we’ve priced our used car loan rates as low as our new car rates.

    as low as
    1.94%
    APR
    Vehicle Refinancing

    Reduce your interest or monthly payment (or even both!) by refinancing your loan from another lender with a loan from USC Credit Union. Because our members are owners, we’re able to pass along our profits to you through better rates. And we never charge an application fee

    as low as
    1.94%
    APR

    Credit Cards

    As a member of USC Credit Union, we consider you an owner. Because we don’t have shareholders, we pass along our profits to you through better rates. Our credit cards have no annual fees, no balance transfer fees, and no foreign transaction fees, making us the smart consumer’s best choice.


    Special Introductory Offer on all our Credit Cards
    0%* APR for your first 15 billing cycles for purchases & balance transfers made within 6 months of opening your account. After that, a Variable APR that’s currently 11.15% to 18.15% APR (Rewards Card) and 9.15% to 16.15% APR (Platinum Card) will apply.
    A 2% fee (min $10) applies to balance transfers during the promotional period. After the promotional period there is no balance transfer fee.

    Platinum Rewards MasterCard
    Our Most Popular Option

    With a low variable rate and free rewards including cash back, travel, charitable donations and brand-name merchandise, the USC Credit Union Platinum Rewards credit card sets the standard for the card that pays you back. You’ll enjoy distinctive features like NO annual, NO balance transfer, and NO foreign transaction fees.

    Click Here for Full Disclosure

    Learn More

    Apply Now
    Platinum MasterCard

    An essential credit card that offers the lowest rates around (we’ve checked!) and benefits like NO annual fees, NO balance transfer fees, and NO foreign transaction fees.

    Click Here for Full Disclosure

    Learn More

    Apply Now

    Refinance Options

    Fixed-Rate Mortgages

    A fixed-rate mortgage ensures that your monthly payment remains the same throughout your loan term.

    5-10 year Fixed

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    Apply Now
    Adjustable-Rate Mortgages

    An adjustable-rate mortgage (ARM) gives you the benefit of locking in a low fixed interest rate for a certain number of years, then adjusts after the fixed term expires.

    5/1-7/1 and 5/5 Adjustable-Rate Mortgages

    Learn More

    Apply Now

    Use Equity

    Home Equity Line of Credit (HELOC)

    As a homeowner, you can tap your equity easily and affordably for any purpose. Upon approval of your HELOC, we’ll establish a credit limit, so you will only need to apply once for this revolving line of credit. And, since you only pay interest on the actual amount you use, it’s perfect for an emergency fund!

    Traditional or Interest-Only

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    Second Trust Deeds

    A Second Trust Deed is a closed-end, fixed-rate equity loan perfect for when you’re borrowing for a specific purpose. Borrow only as much as you need!

    • $10,000 to $250,000
    • 10- or 15-year terms
    • Fixed-rate payments that never change

    Fixed-Rate Equity Loans

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    Apply Now

    Purchase Options

    Fixed-Rate Mortgages

    A fixed-rate mortgage ensures that your monthly payment remains the same throughout your loan term.

    Traditional or customized loan terms

    Learn More

    Apply Now
    Adjustable-Rate Mortgages

    An adjustable-rate mortgage (ARM) gives you the benefit of locking in a low fixed interest rate for a certain number of years, then adjusts after the fixed term expires.

    5/1-7/1 and 5/5 Adjustable-Rate Mortgages.

    Learn More

    Apply Now

    Term Loans

    A term loan is money borrowed that is repaid in regular payments over a set period of time. USC Credit Union can help you reach your personal or business goals with one of our many term loan products.

    Trojan Advance Loan
    Unexpected expenses and cash emergencies can happen to anyone. But you don’t have to end up trapped in a cycle of debt or pay outrageously high-rates and fees to high-rate lenders.
    as low as
    18.00%
    APR
    Signature Freedom Loan

    Our Signature Freedom Loan offers flexible loan amounts to fit your needs with a low, fixed rate guaranteed for the life of your loan. Perks of this loan include fixed monthly payments, flexible payback terms up to 48 months, fast approval, and a convenient automatic payment option.

    Representative monthly payment example per $1,000: $85.61 for 12 months at 5.00% APR, $43.87 for 24 months at 5.00% APR, $29.97 for 36 months at 5.00% APR, $23.03 for 48 months at 5.00% APR, $18.87 for 60 months at 5.00% APR, and $16.10 for 72 months at 5.00% APR.

    as low as
    7.90%
    APR
    Personal Loan

    A personal loan can be used for anything you choose. Ideal for non-homeowners or those who prefer not to borrow against their homes, unsecured personal loans can be set for a fixed-term (so your payments are always the same) or for an open-ended amount (up to an approved limit).

    as low as
    8.90%
    APR

    Deposit-Secured Loans

    Two convenient ways to use your own money for your borrowing needs are with a Share-Secured Loan and a Certificate-Secured Loan. By using funds that are currently on deposit, you maximize use of your money while still maintaining a savings balance. Better yet, you’ll continue to earn dividends on your savings balance in a Gold or Trojan account. When you repay your loan, you’ll still have your savings!

    Share-Secured Loan

    Use your funds on deposit at USC Credit Union as collateral for a low-cost loan. The amount you pledge will be frozen and released as you make payments.

    as low as
    3.15%
    APR
    Certificate-Secured Loan

    Borrow funds by using your USC Credit Union Certificate of Deposit (CD) as collateral. Loan repayment begins soon after the loan has been borrowed and must be paid by the end of the maturity date.

    as low as
    3.80%
    APR

    Line of Credit

    A line of credit can serve a handy emergency fund or a way to pay for something that is out of your financial reach. Apply only once and when you need additional funds, you simply take an advance by check, phone or online. Unlike a typical loan, you make payments only on the credit you’ve actually used.

    Personal Line of Credit

    Tackling a large home improvement project or dealing with a potentially unpredictable expense? A Personal Line of Credit could be the perfect solution for you. Even though you make payments on the amount of credit you use, knowing that you can borrow the maximum amount may provide you with something priceless: peace of mind.

    as low as
    Prime +
    4.65%
    APR
    All loans are subject to approval. Minimum direct deposit of $100 required. Minimum payment: $25. Balance must be paid in full on next payday. At least one direct deposit must be received before advances are permitted.

    Student Loans

    Academics can be stressful, but paying for an education shouldn’t be. USC Credit Union offers loans to help you meet your academic goals as well as your financial ones.

    In-School Student Loans

    The Collegiate Choice® loan features competitive interest rates, flexible repayment options, and rewards for paying your student loans on time while in school.

    Learn More

    Apply Now
    Student Loan Refinance Program

    Refinance your private and federal student loans into a low monthly payment!

    Our Student Loan Refinance Program offers competitive interest rates and flexible repayment terms. Repaying your student loans is easy!

    Learn More

    Apply Now