Solar Loans

Affordable rates and clean energy.

There’s never been a better time to invest in a solar system to power your home. Electricity costs have spiked while solar energy prices have come way down. Couple that with tax credits and USC Credit Union’s affordable solar loan rates, and it’s a win-win! Join the clean home energy movement with your choice of two solar loan options:

  • 12- to 18-month loan that covers your solar tax credit (Section 25D federal income tax credit for new residential solar electric systems)1

  • Longer fixed-rate loan on the remaining portion of your solar electric system cost

Solar loan benefits:

  • Borrow up to $100,000
  • Lock in fixed interest rates from 5.94% APR2
  • Get fixed payments and flexible terms with no prepayment penalties
  • Secure your loan with solar equipment installation vs. home equity
  • Save on your monthly energy bill
  • Increase your property value

Peace of Mind Protection. You can’t control everything in life – but you can help protect your finances with Peace of Mind Protection. Cancel your loan balance or payments in the event of involuntary unemployment, disability, or death. Coverage is customizable and voluntary, and it’s simple to apply.

Solar Loans – Solar System*

Rates accurate as of 7/3/2025
All rates and terms subject to change without notice.

Term Up ToAPR as low as
36 Months5.94%
60 Months6.44%
84 Months6.94%
120 Months7.44%
144 Months7.94%
180 Months8.44%
240 Months8.94%

*Solar Loans “as low as” rates include the 0.25% discount for automatic loan payments.

Solar Loans

Rates accurate as of 7/3/2025
All rates and terms subject to change without notice.

Term Up ToAPR as low as
18 Months5.94%

*Solar Loans “as low as” rates include the 0.25% discount for automatic loan payments.

Clean energy. Low fixed rates.

Bring the clean energy movement home with a great rate on a solar loan from USC Credit Union.

I like the personalized service from USC Credit Union. Also like that you don’t get charged all the fees that regular banks charge.

-Betty Jo

  • Home Equity

    Cash in on the equity you’ve built up. Choose from two affordable options: a home equity line of credit (HELOC) or a fixed-rate home equity loan.

  • Home Refinancing

    Don’t just live in your home – thrive in it. Give your mortgage a second chance and save money by refinancing for a lower rate and more favorable terms.

  • 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.

    Educational Resources

    • News News

      Juntos Avanzamos’ Designation Bolsters Inclusion at USC Credit Union

      Read the original press release at: https://www.ccul.org/news/juntos-avanzamos-designation-bolsters-inclusion-at-usc-cu/ 

      On Monday, USC Credit Union proudly hosted a proclamation ceremony that officially marked its designation as a Juntos Avanzamos (“Together We Advance”) credit union. This national recognition, led by Inclusiv, highlights the credit union’s commitment to fostering financial inclusion, accessibility, and cultural services specifically for Latino and immigrant communities.

      Read Full Article

      Juntos Avanzamos’ Designation Bolsters Inclusion at USC Credit Union

    • Credit Unions Credit Unions

      Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires

      Credit unions across the country have rallied together to support residents of Los Angeles County affected by the catastrophic Eaton and Pacific Palisades fires.

      Read Full Article

      Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires

    • Fire Relief Resources Fire Relief Resources

      Los Angeles Wildfire Relief Resources

      Read Full Article

      Los Angeles Wildfire Relief Resources

    • News News

      2024 Charity Challenge: USC Credit Union vs. Notre Dame FCU

      This year’s Charity Challenge brings USC Credit Union and Notre Dame FCU together to support a cause bigger than the game itself. Each credit union has pledged $5,000, and the stakes are high: the winner of the Notre Dame vs. USC football game on November 30 will decide which charity receives a boosted $10,000 donation.

      Read Full Article

      2024 Charity Challenge: USC Credit Union vs. Notre Dame FCU

    • News News

      USC Credit Union Celebrates Success with The RightWay Foundation: Empowering Foster Youth through Financial Literacy

      USC Credit Union is proud to announce the successful conclusion of a transformative 10-month financial literacy program in partnership with The RightWay Foundation.

      Read Full Article

      USC Credit Union Celebrates Success with The RightWay Foundation: Empowering Foster Youth through Financial Literacy

    • Investments Investments

      High-Yield Business Savings Accounts: Consider a Credit Union!

      Are you looking to make your business’s savings work harder? High-yield savings accounts (HYSA) and high-yield money market accounts (MMA) can help grow your business savings at a competitive interest rate. It’s just one way to beat inflation while growing your funds for the future.

      Read Full Article

      High-Yield Business Savings Accounts: Consider a Credit Union!

    • Credit Unions Credit Unions

      Business Accounts at Credit Unions vs. Banks

      Choosing the right financial partner for your business isn’t always easy. Many traditional banks come with high fees, rigid rules, and one-size-fits-all services that might not fit your business needs. Business credit unions, like USC Credit Union, shine by offering competitive business bank accounts that often have better terms and more flexibility than traditional banks!

      Read Full Article

      Business Accounts at Credit Unions vs. Banks

    • Managing Debt Managing Debt

      Budgeting: Your Best Partner When In Debt

      With the right tools, strategies, and mindset, you can transform budgeting from a chore into a powerful ally against debt.

      Read Full Article

      Budgeting: Your Best Partner When In Debt

    • Student Loans Student Loans

      Smart Student Loan Repayment Tips for 2024

      Navigating student loan repayment can be challenging, but 2024 brings new opportunities to ensure you’re on the right track towards financial freedom!

      Read Full Article

      Smart Student Loan Repayment Tips for 2024

    • Student Loans Student Loans

      Celebrating the Holidays with Student Debt

      The holidays are a time of joy and giving, but for many of us managing student loan repayments, it can also be a season of financial stress. But with a bit of planning, creativity, and focus on what truly matters to you this season, it’s possible to find holiday cheer without breaking the bank.

      Read Full Article

      Celebrating the Holidays with Student Debt

      1USC Credit Union and its Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional.

      2Annual Percentage Rate (APR) is effective as of 7.4.2025 is based on creditworthiness and underwriting factors and is our best rate including a 0.25% discount for automatic loan payments. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 18 months at 5.94% is $58.20. This payment example is for illustration purposes only. Your actual payment may vary. USCCU and its Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional. Long-term loan amount can be used for the remaining balance up to an aggregate solar loan amount of 95% of the solar project cost. Property must be owned by applicant. A Uniform Commercial Code (UCC-1 lien) will be filed on all solar equipment and county and state filing fees will be assessed during the loan transaction. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms, and conditions are subject to change without notice.