USC Credit Union is dedicated to supporting our members and neighbors impacted by the California wildfires. To provide relief during this challenging time, we’re offering special assistance, including low-rate relief loans with flexible terms, loan deferment options to help ease financial burdens, and more.
USC Credit Union is dedicated to supporting our members and neighbors impacted by the California wildfires. To provide relief during this challenging time, we’re offering special assistance, including low-rate relief loans with flexible terms, loan deferment options to help ease financial burdens, and more.
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.
USC Credit Union is dedicated to supporting our members and neighbors impacted by the California wildfires. To provide relief during this challenging time, we’re offering special assistance, including low-rate relief loans with flexible terms, loan deferment options to help ease financial burdens, and more.
USC Credit Union is dedicated to supporting our members and neighbors impacted by the California wildfires. To provide relief during this challenging time, we’re offering special assistance, including low-rate relief loans with flexible terms, loan deferment options to help ease financial burdens, and more.
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.
Rates accurate as of 8/2/2025
All rates and terms subject to change without notice.
| Dividend Rate | APY* |
|---|---|
| 0.020% | 0.02% |
*$750 minimum balance to obtain APY.
Rates accurate as of 8/2/2025
All rates and terms subject to change without notice.
| Dividend Rate | APY* |
|---|---|
| 0.050% | 0.05% |
*$2500 minimum balance to obtain APY.
High-Yield Savings Account
Rates accurate as of 8/2/2025
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 8.2.2025 and are subject to change without notice.
Rates accurate as of 8/2/2025
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 8/2/2025
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 8.2.2025. Fees may reduce earnings. Early withdrawal penalties apply.
**$1000.00 minimum.
Rates accurate as of 8/2/2025
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 8/2/2025
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 8/2/2025
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 8/2/2025
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 8/2/2025
All rates and terms subject to change without notice.
| Type | APR as low as |
|---|---|
| Variable Rate | 12.10% |
Rates accurate as of 8/2/2025
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 8.2.2025 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 8.2.2025 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 8/2/2025
All rates and terms subject to change without notice.
| Term | APR* |
|---|---|
| Up to 36 months | 4.99% |
*Annual Percentage Rate (APR) effective as of 8.2.2025 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 8/2/2025
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 8/2/2025
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 8/2/2025
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 8.2.2025 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 8/2/2025
All rates and terms subject to change without notice.
| Term Up To | APR as low as |
|---|---|
| 36 Months | 5.94% |
| 60 Months | 6.44% |
| 84 Months | 6.94% |
| 120 Months | 7.44% |
| 144 Months | 7.94% |
| 180 Months | 8.44% |
| 240 Months | 8.94% |
*Solar Loans “as low as” rates include the 0.25% discount for automatic loan payments.
Rates accurate as of 8/2/2025
All rates and terms subject to change without notice.
| Term Up To | APR as low as |
|---|---|
| 18 Months | 5.94% |
*Solar Loans “as low as” rates include the 0.25% discount for automatic loan payments.
Rates accurate as of 8/2/2025
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 8/2/2025
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 8/2/2025
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 8/2/2025
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 8/2/2025
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 8.2.2025 and is subject to change.
Variable Rate: 4.95% annual percentage rate (APR) effective 8.2.2025. 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 8.2.2025. 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 8/2/2025
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 8/2/2025
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 8.2.2025. 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.