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Personal Resources
USC Credit Union has proudly served the Trojan family since 1973.
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How much down payment is normally required to buy a home?
There are mortgage options now available that only require a down payment of 5% or less of the purchase price. Mortgages with less than a 20% down payment generally require a private mortgage insurance (PMI) policy to secure the loan.For example, if you pay 10% down on a $100,000 loan, PMI might cost you about […]
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How can I obtain a loan from USC Credit Union if I have bad credit or no established credit?
You may be able to establish a positive credit history by applying with a qualified co-borrower, such as your parents. If that is not an option, you may apply for a secured loan by using a CD/share certificate or savings account as collateral.
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What calculators does USC Credit Union have to help me with my financial decisions?
We offer our members Savings, Retirement Planning, Mortgage, Auto Loan, and Personal Finance calculators. They can be found on our credit union calculators page.
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Understanding Share Insurance
The shares in USC Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration (NCUA). Established by Congress in 1970 to insure member share accounts at federally insured credit unions, the NCUSIF is managed by NCUA under the direction of the three-person NCUA Board. […]
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Does USC Credit Union provide educational seminars?
At USC Credit Union our vision is to provide our members superior financial solutions, comprehensive products, financial education seminars, and an unparalleled service experience. We offer a wide selection of financial seminars led by our top financial advisors. These educational seminars cover a wide range of topics that include information about how to purchase your […]
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What is the difference between a credit union and a bank?
Like banks, credit unions accept deposits and make loans—but unlike banks, credit unions are not in business to make a profit. Banks exist to make money for their stockholders, not for their depositors. Credit unions exist solely to serve their member-owners, and benefits are returned in lower loan rates and higher deposit rates.Credit unions are […]
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What’s so special about credit unions?
Credit Unions are: Not-for-profit. Credit unions are not-for-profit financial cooperatives. We exist to serve our members, not to make a profit. Unlike most other financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on […]
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