USC Credit Union Exclusive Member Offers

Love your savings! Being a credit union member gives you access to many exclusive discounts, benefits, and special offers. It’s just another way we help show our members some love.

Enjoy These Current USC Credit Union Promotions

Refer Your Friends and Get Up to $500*
Tell your friends and family about USC Credit Union and when they open a qualified* new checking account you BOTH will receive $50. Now THAT’S something to talk about!

Credit Card — 0% Introductory APR*
Enjoy a 0% introductory APR* for the first 15 billing cycles on purchases and balances transferred within the first 6 months of account opening. After that, a variable APR applies.*

Auto Loan — No payments for 90 days*
Take advantage of up to 125% financing + no payments for 90 days on your new ride (or refinance!).

Home Loans — $300 off closing costs*
The home of your dreams is closer than ever, and USC Credit Union is here to help you every step of the way, with fixed and adjustable-rate mortgages and the personalized assistance you deserve.

USC Graduate Offers
We have the tools to help graduating students thrive in the real world—free checking (+$50 bonus), a cash back credit card, and a new set of wheels!

CU Member-Exclusive Discounts from

Switch to Sprint and get $200 cash plus lines 3, 4, and 5 FREE on unlimited basic. Plus, get $100 each year in loyalty rewards and $25 off select accessories in Sprint stores!*

Refer-a-friend: USC Credit Union membership required in order to open a new USCCU Checking account. The Referred Person must qualify for USCCU membership and membership fee may apply; please call (877) 670-­5860 or visit to confirm eligibility. Must be 18 years old or older. Must pass Chexsystems. Must open a new Checking account to earn reward. Cannot be combined with any other offer. If new membership is closed within the first 90 days, there is a $5 early membership closing fee. Offer valid only for enrolled USC students who open a new Checking account with USCCU. Must not have an existing USCCU Checking Account. Account must be opened and in good standing at the time of qualification to receive the Reward Card. USCCU employees and officials are eligible to refer their friends and family, but NOT eligible to earn the rewards cards. USCCU employees and officials must register for the program using their ‘’ email address to qualify. USCCU employees’ friends and family must register for the program using the referral link and comply with the program requirements to earn the rewards card. We reserve the right to disqualify any referrals in circumstances where we reasonably believe they were not sent to us in good faith. USC Credit Union reserves the right to change or cancel the promotion without notice. Accounts are subject to all terms and conditions set forth in the current Account Agreement and Truth-­In-­Savings Disclosure. See Schedule of Fees. Other conditions may apply. Please allow 4 to 6 weeks for Reward Card delivery after completing all offer requirements. Reward Cards are subject to Terms and Conditions delivered with the card, including limitations on types of transactions for which they may be used. Click here for full disclosure.

Credit Card: APR (Annual Percentage Rate) is effective May 1, 2018 and is subject to change. Your regular variable rate is determined by creditworthiness and payment history, and may vary. The minimum monthly interest charge is $0.50. The 0.00% APR for purchases and balance transfers made during the qualifying transaction period within the first 6 months of account opening. All purchases, net of returns, qualify for the promotional APR. The promotional rate will remain in effect until the end of the 15th billing cycle billing cycle after account opening, thereafter, the standard rate of 11.65% to 18.65% for purchases and balance transfer applies. Except for existing USC Credit Union loans, all balance transfers qualify for the promotional APR. There is a 2% Balance Transfer Fee of the total amount transferred per transaction or $10, whichever is greater. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit to confirm eligibility. This promotional rate is available for a limited time, and rates and terms are subject to change without notice. Click here for full disclosure.

Auto Loan: Annual Percentage Rate (APR) is effective as of 10/4/2019 to 11/30/2019, is based on creditworthiness and underwriting factors, and is our best rate. Based on a 60-month term and 100% financing of retail Kelley Blue Book Value for pre-owned cars and 100% loan-to-value for new car purchase. Other Loan-to-Value requirements may apply. Proof of income may be required at the time of loan funding. Monthly payment per $1,000 for 36 months at 2.99% APR is $29.19. This payment example is for illustration purposes only. Your actual payment may vary. The 2.99% APR includes a 0.25% discount for automatic loan payment. To qualify for this rate discount, an automatic payment must be maintained throughout the life of the loan. Minimum loan amounts include $8,000 for a 60-month term loan, $15,000 for a 72-month term, and $25,000 for an 84-month term loan. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit to confirm eligibility. All credit union loan programs, rates, terms and conditions are subject to change without notice. This promotion does not apply to existing USC Credit Union Auto Loans. Up to 125% financing available based on credit worthiness, model year, and underwriting factors. New: Manufacturer’s Suggested Retail Price (MSRP) and Used: Retail Kelley Blue Book (RKBB), both including tax, license fees and optional products such as Guaranteed Asset Protection (GAP) or Mechanical Repair Coverage (MRC) and is subject to approval. A valid driver’s license and current insurance information are required at time of funding. 90-day deferred payment option for qualified borrowers. Interest accrues immediately.

Home loans: Loan must close by December 31, 2019. Loan amount must be $200,000 or more. Owner-occupied residence, CA properties only. Must have a USCCU membership. Mention promo when locking in rate. No cash credits will be given. May not be combined with any other offer.

Student Loan Refi: