Rates

USC Credit Union Rates

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Checking Rates

Competitive rates on checking and savings accounts.


Gold Checking

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Dividend and APY rates for Gold Checking accounts
Dividend RateAPY*
0.020%0.02%

*$750 minimum balance to obtain APY.


Trojan Checking

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Dividend and APY rates for Trojan Checking accounts
Dividend RateAPY*
0.050%0.05%

*$2500 minimum balance to obtain APY.

Savings Rates


Regular Share and Club*

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Balance, Dividend Rates, and APY for Regular Share and Club Savings Accounts
BalanceDividend RateAPY
$25-$99.99 0.050%0.05%
More than $99 0.050%0.05%

*$9 membership fee required plus $1 deposit to open. Fees may reduce earnings. APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.


Share Certificates Rates*

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Term, Dividend Rate, and APY for Share Certificates (CDs)
TermDividend RateAPY**
3 Months2.960%3.00%
6 Months3.300%3.35%
12 Months3.590%3.65%
24 Months3.397%3.45%
36 Months3.445%3.50%
48 Months3.494%3.55%
60 Months3.542%3.60%

*APY = Annual Percentage Yield. APY is accurate as of 6.19.2024. Fees may reduce earnings. Early withdrawal penalties apply.

**$1000.00 minimum.


5.25% APY* Certificate

New-to-USCCU funds only

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

TermAPY*
9 Months5.25%

*APY=Annual Percentage Yield is accurate as of 3/21/24. Fees may reduce earnings. Membership in USC Credit Union required. Must qualify for USC Credit Union membership, and membership fee may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. Must be new money deposit from another financial institution. Existing USCCU funds not applicable. $1,000 minimum opening amount with no maximum deposit amount. Once mature, a 9-month term certificate will automatically roll over to a 12-month term at that APY. A bonus rate on all certificates of $50,000 or more does not apply. The share certificate will be closed, and an early withdrawal penalty will be imposed on the entire balance if a withdrawal of principal is made prior to the Maturity Date. Please refer to Account Agreement and Truth-In-Savings Disclosures for more information. Dividends will not be earned if the share certificate is closed before the dividends are credited by the ending date of each month. This promotion does not apply to Individual Retirement Accounts (IRA) and Shared/Certificate Secure Loans. All credit union programs, rates, terms, and conditions are subject to change without notice. Offer rates and terms are subject to change without notice. Promotional offer cannot be combined with any other offers.


Money Market*

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Balance, Dividend Rate, and APY for Money Market Accounts
BalanceDividend RateAPY
$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-$99,9991.045%1.05%
$100,000+1.045%1.05%

*Fees may reduce earnings.


Value+ Money Market*

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Balance, Dividend Rate, and APY for Value+ Money Market Accounts
BalanceDividend RateAPY
$0-$9,999.99 0.250%0.25%
$10,000 to $24,9991.539%1.55%
$25,000 to $49,9991.539%1.55%
$50,000 to $99,9992.031%2.05%
$100,000 to $249,9992.227%2.25%
$250,000 to $499,9992.227%2.25%
$500,000 to $999,9992.227%2.25%
$1 million and over2.227%2.25%

*Fees may reduce earnings


IRA Rates

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

TypeDividend RateAPY*
IRA Share ($100 minimum)0.200%0.20%
12 Months ($1,000 minimum)3.639%3.70%
24 Months ($1,000 minimum)3.445%3.50%
36 Months ($1,000 minimum)3.494%3.55%
48 Months ($1,000 minimum)3.542%3.60%
60 Months ($1,000 minimum)3.590%3.65%

*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).

Personal Loans

Personal Loan

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Term and APR for personal loans
TermAPR as low as
36 Months10.74%
48 Months11.24%
60 Months11.49%
72 Months12.49%

Personal Line of Credit

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Personal line of credit types and corresponding APR
TypeAPR as low as
Variable Rate13.10%

Instant Loans

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Instant loan types and associated APR
TypeAPR
New Start Loan9.00%
Life Flex Loan18.50%
Ready Funds Loan19.50%

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 90 days and are considered a member in good standing. Application available through online or mobile banking.

Computer Loan

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Term and APR for personal loans
TermAPR*
Up to 36 months4.99%

*Annual Percentage Rate (APR) effective as of 6.19.2024 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 (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.

Credit Cards

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

APR rates for available credit cards
CardAPR Variable as low as
Platinum Mastercard13.40%
Platinum Rewards Mastercard15.40%
Student Mastercard13.40%
Student Rewards Mastercard15.40%
Secured Mastercard (Fixed)13.99%

Share-Secured Loans

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Term and APR for shared-secured loans
TermAPR
12 Months3.05%
24 Months3.05%
36 Months3.05%
48 Months3.05%
60 Months3.05%
72 Months3.05%

Certificate-Secured Loans

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Term and APR for certificate-secured loans
TermAPR
3 Months6.00%
6 Months6.35%
12 Months6.65%
24 Months6.45%
36 Months6.50%
48 Months6.55%
60 Months6.60%

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.

Home Loans

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.

Home Equity Line of Credit*

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Types of home equity lines of credit and their corresponding APR
TypeAPR as low as
Interest Only HELOC8.40%
Traditional HELOC8.40%

*Terms and Conditions: PRIME -0.10% APR disclosure: Annual Percentage Rate (APR) is effective 6.19.2024 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. $10,000 minimum initial advance required to avoid a processing fee. Thereafter, minimum advance is $200. Minimum loan balance of $8,000 must be maintained for first 12 months; otherwise, a $400 fee will be assessed. Minimum floor rate of 3.00% 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 $10,000 at 8.40% (Prime -.10%) is $70.00 during the draw period and $97.89 for the repayment period. A sample monthly payment for a traditional HELOC, credit score of 740+ with balance $10,000 at 8.40% (Prime -.10) is $150. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. NMLS #448984

Solar Loans – Solar System*

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Term Up ToAPR as low as
36 Months6.49%
60 Months6.99%
84 Months7.49%
120 Months7.99%
144 Months8.49%
180 Months8.99%
240 Months9.49%

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

Solar Loans – Tax Credit*

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Term Up ToAPR as low as
18 Months6.49%

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

Auto Rates

Auto Loans + Touring Motorcycles over 1200cc*

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Term and rates for auto loans, and loans for touring motocycles over 1200cc¹
Term100% Financing APR as low as
36 Months5.74%
48 Months5.99%
60 Months6.24%
72 Months6.49%
84 Months6.99%

*Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2022 or newer vehicle models. Rates are subject to change based on vehicle year.

Motorcycles 1200cc or less, E-Bikes, & Other Consumer Goods*

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Terms and rates for motorcycles 1200cc or less, E-Bikes, and other consumer goods
TermAPR as low as
36 Months9.74%
48 Months9.99%
60 Months10.24%
72 Months10.49%

*Motorcycles, E-Bikes, & Other Consumer Goods “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2022 or newer vehicle models. Such rates are subject to change based on vehicle year.

Boats & RVs*

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Terms and rates for boat and RV loans
TermAPR as low as
48 – 180 Months8.49%

*Boats & RVs “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2022 or newer vehicle models. Such rates are subject to change based on vehicle year and mileage.

Student Loan Rates

Certificate Program Loan

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Approved ProgramAPR as low as
School Business Management Certificate Program Loan5.90%
Reading and Literacy Added Authorization Loan5.90%
Differentiated Curriculum Loan5.90%
School Leadership Academy5.90%

Student Loan Refinance¹

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

TermVariable APR as low asFixed APR as low as
60 Months5.96%5.49%
84 Months7.36%6.39%
120 Months7.66%6.69%
180 Months8.06%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 (877-670-5860) 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 6.19.2024 and is subject to change.

Variable Rate: 5.96% annual percentage rate (APR) effective 6.19.2024. 60 monthly payments of $19.31 per $1,000 borrowed. Borrowing $20,000 at 5.96% accrues $3,177.05 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 5.96% – 9.52% 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 5.360% 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 6.19.2024. 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.

Business Rates


Business Savings*

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Dividend Rate and APY for Business Savings
Dividend RateAPY
0.050%0.05%

*$9 membership fee required plus $1 deposit to open. Fees may reduce earnings. APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.


Business Money Market*

Rates accurate as of 6/19/2024
All rates and terms subject to change without notice.

Balance, Dividend Rate, and APY for Business Money Market Accounts
BalanceDividend RateAPY
$0 to $9,9994.169%4.25%
$10,000 to $49,9994.169%4.25%
$50,000+4.169%4.25%

*Annual Percentage Yield (APY) is accurate as of 6.19.2024. Fees may reduce earnings. Must qualify for USC Credit Union membership, and membership fee may apply; please call (877-670-5860) 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.