Boost your business’s financial growth with a business money market account. With no monthly fees on balances over $10,000, flexible access, and guaranteed returns, set your business up for success and ensure your money is as hardworking as you are.
Already a member? Extend the benefits of USC Credit Union membership to everyone in your immediate family or household – they’re all invited to become a member owner!
Get a free financial education on all things personal finance from credit scores and debt consolidation to saving and student loans.
Boost your business’s financial growth with a business money market account. With no monthly fees on balances over $10,000, flexible access, and guaranteed returns, set your business up for success and ensure your money is as hardworking as you are.
Already a member? Extend the benefits of USC Credit Union membership to everyone in your immediate family or household – they’re all invited to become a member owner!
Get a free financial education on all things personal finance from credit scores and debt consolidation to saving and student loans.
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Get a free financial education on all things personal finance from credit scores and debt consolidation to saving and student loans.
Competitive rates on checking and savings accounts.
Checking
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Dividend Rate | APY* |
|---|---|
| 0.050% | 0.05% |
*PremiumSpend checking account disclosure: A $8.95 monthly service fee applies, but the fee will be waived if you meet one of the following requirements in a month: (a) minimum $5,000 average daily balance maintained in the PremiumSpend Checking Account during that month; or (b) minimum $25,000 combined share account balance maintained at USC Credit Union every day during that month. PremiumSpend Checking Accounts are subject to a variable rate. For the current dividend rate(s) and corresponding APY(s), refer to the separate Rate Sheet. The minimum opening deposit for PremiumSpend Checking Accounts is $25.00. The minimum balances required to earn dividends are disclosed in our Schedule of Fees. For payroll that can be verified by the Credit Union to its reasonable satisfaction, your direct deposit paycheck may be made available up to two (2) to three (3) calendar days prior to your regular payroll deposit date. Unlimited non-shared network ATM transactions with PremiumSpend. When you use an ATM not displaying the USCCU or Co-Op ATM symbols, the ATM owner may charge additional fees. Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. PremiumSpend Checking Account owners are provided the following free services: free check writing, free incoming domestic wire transfers, free debit card, free Mobile Banking, free Mobile Deposit, free Bill Pay, free Zelle®, free eStatements, optional free paper statements, one (1) complimentary financial review with a Trojan Wealth Management advisor, free unlimited non-network domestic ATM transactions, free Credit Union cashier’s checks or money orders (three (3) a month), free Credit Union notary services (one (1) a month), free temporary checks, and free access to their credit score through online banking. PremiumSpend Checking Accounts are also provided Overdraft Protection services that cover your check, ACH, debit card, and ATM transactions if your account has insufficient available funds to cover the transaction, but we pay the transaction anyway, resulting in a negative balance. Overdraft Protection services are only provided for everyday (one-time) debit card transactions, if you have opted in to payment of such transactions. Each overdraft transaction covered under the Overdraft Protection service is subject to a $14 fee. We reserve the right not to pay any overdraft transaction, even if we have paid such transactions in the past, and also will only make the Overdraft Protection service available to members in good standing. You must repay any negative balance resulting from Balance Protection may be reduced if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day. You must bring your account balance positive for at least one business day to have the full Balance Protection limit reinstated. Any USC Credit Union certificate account maintained by a PremiumSpend Checking Account owner will also be subject to an additional 0.25% APY on the certificate account dividends. $250 discount on closing costs on approved USC Credit Union home loans. View our Schedule of Fees for details on any fees you may incur.
High-Yield Savings Account
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Balance | Dividend Rate | APY |
|---|---|---|
| $1 – $9,999 | 0.000% | 2.00% |
| $10,000 – $49,999 | 0.000% | 3.00% |
| $50,000 – $99,999 | 0.000% | 3.50% |
| $100,000+ | 0.000% | 3.80% |
| Non-qualifying balances | 0.000% | 0.15% |
*Smart Yield Savings Disclosure: The Annual Percentage Yield (APY) for the Smart Yield Savings Account range from 2.00% – 3.80% based on balance tiers. For full details visit Usccreditunion.org/rates. A minimum opening deposit of $100 is required. Fees may reduce earnings.
To earn applicable tiered APY, you must:
If requirements are not met in a given month, the account will earn a non-qualifying rate of 0.15%. Please review our Schedule of Fees for a full list of applicable charges. For complete account terms and conditions, refer to the USCCU Truth-in-Savings disclosures. Must meet membership eligibility requirements. Federally insured by the National Credit Union Administration (NCUA). Rates effective as of 8.22.2025 and are subject to change without notice.
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Balance | Dividend Rate | APY |
|---|---|---|
| $25-$99.99 | 0.050% | 0.05% |
| More than $99 | 0.050% | 0.05% |
*$1 deposit to open. Fees may reduce earnings. APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Term | Dividend Rate | APY** |
|---|---|---|
| 3 Months | 3.203% | 3.25% |
| 6 Months | 3.203% | 3.25% |
| 12 Months | 3.445% | 3.50% |
| 24 Months | 3.203% | 3.25% |
| 36 Months | 3.445% | 3.50% |
| 48 Months | 3.445% | 3.50% |
| 60 Months | 3.445% | 3.50% |
*APY = Annual Percentage Yield. APY is accurate as of 8.22.2025. Fees may reduce earnings. Early withdrawal penalties apply.
**$1000.00 minimum.
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Balance | Dividend Rate | APY |
|---|---|---|
| $0-$2,499.99 | 0.250% | 0.25% |
| $2,500-$9,999 | 0.847% | 0.85% |
| $10,000-$49,999 | 0.896% | 0.90% |
| $50,000-$99,999 | 1.045% | 1.05% |
| $100,000+ | 1.045% | 1.05% |
*Fees may reduce earnings.
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Balance | Dividend Rate | APY |
|---|---|---|
| $0-$9,999.99 | 0.250% | 0.25% |
| $10,000 to $24,999 | 1.539% | 1.55% |
| $25,000 to $49,999 | 1.539% | 1.55% |
| $50,000 to $99,999 | 2.031% | 2.05% |
| $100,000 to $249,999 | 2.227% | 2.25% |
| $250,000 to $499,999 | 2.227% | 2.25% |
| $500,000 to $999,999 | 2.227% | 2.25% |
| $1 million and over | 2.227% | 2.25% |
*Fees may reduce earnings
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Type | Dividend Rate | APY* |
|---|---|---|
| IRA Share ($100 minimum) | 0.200% | 0.20% |
| 12 Months ($1,000 minimum) | 3.494% | 3.55% |
| 24 Months ($1,000 minimum) | 3.251% | 3.30% |
| 36 Months ($1,000 minimum) | 3.494% | 3.55% |
| 48 Months ($1,000 minimum) | 3.494% | 3.55% |
| 60 Months ($1,000 minimum) | 3.494% | 3.55% |
*APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Fees may reduce earnings. Rates may vary after account is opened. Federally insured by National Credit Union Administration (NCUA).
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Term | APR as low as |
|---|---|
| 36 Months | 10.74% |
| 48 Months | 11.24% |
| 60 Months | 11.49% |
| 72 Months | 12.49% |
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Type | APR as low as |
|---|---|
| Variable Rate | 12.10% |
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Type | APR |
|---|---|
| Life Flex Loan | 18.50% |
| Ready Funds Loan | 19.50% |
* A $10 application fee will be charged to your account when you submit your application. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 6 months and are considered a member in good standing. Application available through online or mobile banking.
Ready Funds Loan: Annual Percentage Rate (APR) is effective as of 8.22.2025 and is based on eligibility and underwriting factors. The APR is a fixed rate for the duration of the loan. Monthly payment per $500 for 3 months at 19.50% is $166.67. This payment example is for illustration purposes only. Your actual payment may vary. The minimum loan amount is $300, and the maximum loan amount is $800. A $10 application fee will be charged to your account when you submit your application. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 6 months and are considered a member in good standing. Application available through online or mobile banking. No minimum credit score required.
Life Flex Loan: Annual Percentage Rate (APR) is effective as of 8.22.2025 and is based on eligibility and underwriting factors. The APR is a fixed rate for the duration of the loan. Monthly payment per $1,000 for 12 months at 18.50% is $83.33. This payment example is for illustration purposes only. Your actual payment may vary. The minimum loan amount is $600, and the maximum loan amount is $4,000. A $10 application fee will be charged to your account when you submit your application. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 6 months and are considered a member in good standing. Application available through online or mobile banking. No minimum credit score required.
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Term | APR* |
|---|---|
| Up to 36 months | 4.99% |
*Annual Percentage Rate (APR) effective as of 8.22.2025 and is based on creditworthiness and underwriting factors. Monthly payment per $1,000 for 12 months at 4.99% is $85.60. Must be a current USC student or faculty or staff, USC alumni, admitted USC student, or parent of current or admitted USC student. Proof of income may be required at the time of loan funding. Membership eligibility requirements and membership fees may apply; please call (213-821-7100) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms, and conditions are subject to change without notice.
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Card | APR Variable as low as |
|---|---|
| Platinum Mastercard | 12.40% |
| Platinum Rewards Mastercard | 14.40% |
| Student Rewards Mastercard | 14.40% |
| Secured Mastercard (Fixed) | 13.99% |
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Term | APR |
|---|---|
| 3 Months | 6.25% |
| 6 Months | 6.50% |
| 12 Months | 6.50% |
| 24 Months | 6.25% |
| 36 Months | 6.50% |
| 48 Months | 6.50% |
| 60 Months | 6.50% |
1) Minimum $5,000 required for 48-month term. 2) The rate shown is for a loan secured by a 12-month certificate. The rate may be higher or lower depending on the term of the certificate.
We offer a variety of mortgage products and rates change daily. To see our current rates, please see our home loans page or call (877) 670-5860.
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Type | APR as low as |
|---|---|
| Interest Only HELOC | 7.40% |
| Traditional HELOC | 7.40% |
*Terms and Conditions: PRIME -0.10% APR disclosure: Annual Percentage Rate (APR) is effective 8.22.2025 variable, and is subject to change. Rate is for combined loan-to-value of 80% or less, owner occupied homes and requires a FICO score of 740+. Higher rates may apply, depending on credit and combined loan-to-value. All loans are subject to credit approval. Credit limits up to $250,000. Appraisal may be required. California properties only. No Annual Fee. Flood and/or property insurance may be required. Your APR can adjust monthly and is based on the Prime Rate as published in the Wall Street Journal. Maximum advance period of 10 years, with a 15-year repayment period. $15,000 minimum initial advance required to avoid a processing fee. Thereafter, minimum advance is $200. Minimum loan balance of $10,000 must be maintained for first 12 months; otherwise, a $500 fee will be assessed. Minimum floor rate of 4.00% APR. Maximum loan rate of 18.00% APR. A sample monthly payment for an interest only HELOC, credit score of 740+ with a balance of $15,000 at 7.40% (Prime -.10%) is $92.50 during the draw period and $138.20 for the repayment period. A sample monthly payment for a traditional HELOC, credit score of 740+ with balance $15,000 at 7.40% (Prime -.10) is $187.50. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. NMLS #448984
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Term | Financing APR* as low as: |
|---|---|
| 1-5 years | 3.74% |
| 6 – 10 years | 4.24% |
| 11 – 15 years | 5.24% |
| 16 – 20 years | 6.74% |
*APR (Annual Percentage Rate) is effective as of 8.22.2025 and is based on creditworthiness, underwriting criteria, and participation in qualifying discount programs. The lowest advertised rate of 3.74% APR includes the 0.25% discount for automatic loan payments¹ from a qualifying USC Credit Union checking account.
Additional stackable discounts include:
¹To qualify for the automatic payment discount, borrower must set up recurring loan payments from an active USC Credit Union checking account.
²To qualify for the renter discount, applicant must not be a homeowner and must provide proof of current rental agreement or lease. Discount is not available to homeowners.
³LIDAC eligibility is determined based on project location and borrower’s residential address, according to State of California definitions. Visit the Eligibility Mapping Tool to check your property’s designation. ⁵ Project eligibility under GoGreen is determined based on utility provider. Projects must use eligible energy efficiency measures (EEMs) listed in the official GoGreen EEMs List, available at: https://www.gogreenfinancing.com/energy-efficiency-home-loans-california/eligible-financing-projects/gogreenfinancing.com/homemeasures
⁴A valid purchase order or contractor invoice is required to verify project scope before loan funding. Applicant may be required to be a customer of a participating utility provider. See GoGreen Financing for utility exceptions and full program details.
Only new solar panel installations, including battery bundles, are eligible. Replacement of existing panels does not qualify.
This is an unsecured loan product and is not associated with any mortgage or home loan.
All credit union loan programs, rates, terms, and conditions are subject to change without notice. Final rate is determined at loan approval and may vary based on credit, loan term, and project eligibility.
Example: Monthly payment per $1,000 borrowed at 3.74% APR over 12 months is $85.03. This example is for illustration purposes only. Actual payment may vary.
Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Term | 100% Financing APR as low as |
|---|---|
| 36 Months | 5.19% |
| 48 Months | 5.44% |
| 60 Months | 5.69% |
| 72 Months | 5.94% |
| 84 Months | 6.44% |
*Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2023 or newer vehicle models. Rates are subject to change based on vehicle year.
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Term | APR as low as |
|---|---|
| 36 Months | 9.19% |
| 48 Months | 9.44% |
| 60 Months | 9.69% |
| 72 Months | 9.94% |
*Motorcycles, E-Bikes, & Other Consumer Goods “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2023 or newer vehicle models. Such rates are subject to change based on vehicle year.
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Term | APR as low as |
|---|---|
| 48 – 180 Months | 7.94% |
*Boats & RVs “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2023 or newer vehicle models. Such rates are subject to change based on vehicle year and mileage.
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Approved Program | APR as low as |
|---|---|
| School Business Management Certificate Program Loan | 5.90% |
| Reading and Literacy Added Authorization Loan | 5.90% |
| Differentiated Curriculum Loan | 5.90% |
| School Leadership Academy | 5.90% |
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Term | Variable APR as low as | Fixed APR as low as |
|---|---|---|
| 60 Months | 4.95% | 5.49% |
| 84 Months | 6.35% | 6.39% |
| 120 Months | 6.65% | 6.69% |
| 180 Months | 7.05% | 7.09% |
¹For both loans, you will be required to review the Application Truth in Lending Disclosure prior to submitting an application. The minimum loan amount is $5,000. Your interest rate will be determined by your credit score or your cosigner’s, whichever is greater. Membership is required. Must qualify for USCCU membership and membership fee may apply; please call (213-821-7100) or visit www.USCCreditUnion.org to confirm eligibility. Must be 18 years old or older. Must pass Chexsystem. All accounts are subject to approval process. Terms and Conditions Apply. USC CREDIT UNION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident and meet USC Credit Union’s underwriting requirements. This information is current as of 8.22.2025 and is subject to change.
Variable Rate: 4.95% annual percentage rate (APR) effective 8.22.2025. 60 monthly payments of $18.85 per $1,000 borrowed. Borrowing $20,000 at 4.95% accrues $2,618.00 in interest during a 5-year repayment term. These monthly payments and accrued interests are for illustration purposes only. If approved for a loan, the variable interest rate offered will depend on your credit history and the Credit Union’s underwriting standards. Variable rates from 4.95% – 8.51% APR (with AutoPay). Rate is variable and subject to change. Interest rates on variable rate loans are capped at 18.00%. Lowest variable rate of APR assumes current 90-Day SOFR Average rate of 4.350% plus 1.100% margin and subtracting the 0.25% AutoPay discount and the 0.25% Graduate School discount. For the variable rate loan, the 90-Day SOFR Average index will adjust quarterly and the loan payment will be re-amortized and may change quarterly. APRs for variable rate loans may increase after origination if the SOFR index increases. The above figures assume no changes in the SOFR index, no pre-payments, no additions to the loan principal, and all payments made in a timely manner over the life of the loan. For further information on rates and costs for the Variable Rate Student Loan Refinance, see the Application Truth in Lending Disclosure.
Fixed Rate: 5.49% annual percentage rate (APR) effective 8.22.2025. 60 monthly payments of $19.10 per $1,000 borrowed. Borrowing $20,000 at 5.49% accrues $2,915.86 in interest during the 5-year repayment term. These monthly payments and accrued interests are for illustration purposes only. If approved for a loan, the fixed interest rate offered will depend on your credit history and the Credit Union’s underwriting standards. Lowest fixed rate of 5.49% assumes enrollment in AutoPay and includes the 0.25% Graduate School discount. For further information on rates and costs for the Fixed Rate Student Loan Consolidation and Refinance, see the Application Truth in Lending Disclosure.
AutoPay is a voluntary repayment benefit managed by USC Credit Union that awards a 0.25% interest rate reduction to borrowers that elect to have their monthly payments electronically deducted from a designated checking account. To be eligible for the interest rate reduction for automatic payments, you must be signed up for automatic payments through USC Credit Union. If at any time automatic payments are stopped or the loan is not in good standing, the rate discount will not be applied.
For all loans with a Fixed APR: Monthly payments are calculated with the original loan rate and will not be reduced by the discounted rate.
For all loans with a Variable APR: The rate stated on this agreement is based on the rate at the time of loan funding. The index will adjust as stated in your loan agreement resulting in a rate change and new monthly payment.
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Dividend Rate | APY |
|---|---|
| 0.050% | 0.05% |
*$1 deposit to open. Fees may reduce earnings. APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.
Rates accurate as of 8/22/2025
All rates and terms subject to change without notice.
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 to $9,999 | 3.445% | 3.50% |
| $10,000 to $49,999 | 3.445% | 3.50% |
| $50,000+ | 3.445% | 3.50% |
*Annual Percentage Yield (APY) is accurate as of 8.22.2025. Fees may reduce earnings. Must qualify for USC Credit Union membership, and membership fee may apply; please call (213-821-7100) or visit www.USCCreditUnion.org to confirm eligibility. Must maintain a $10,000 daily balance to avoid the $10 monthly fee. All credit union account programs, rates, terms, and conditions are subject to change without notice.