Need a little financial breathing room? USC Credit Union is honored to help you attain financial success, one step at a time. We’ll help you find the right product that meets your needs and empowers you to own your financial future. As a USC Credit Union member, you’re more than a customer—you’re an owner. Because we don’t have shareholders, we can pass along our profits to you through better rates. We put your financial success in your hands—where it belongs.
We offer a complete selection of unsecured loans for any purpose, including personal loans, lines of credit, and more. We’re committed to providing you with a level of personalized service and attention you won’t get at banks or with other lenders, with lower rates and more frequent “yes” answers.
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.
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.
The FlexPay Line of Credit allows you to make small, short-term “emergency” loans to yourself, anywhere from $25 to $500, at a fixed rate of 18%. The balance is due in full on your next payday. To qualify, you must set up Direct Deposit to a USC Credit Union checking account. When you set up automatic payments, we’ll waive the $50 annual fee.
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.
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.
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).
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!
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.
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.