USC Credit Union Exclusive Member Offers

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

Enjoy These Current USC Credit Union Promotions

Holiday Loan
Say goodbye to the post-Holiday-spending blues with rates as low as 4.90% APR* and loan amounts up to $4,000! (Offer expires 12/29/2017)

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.*

Student Loan Refinance — Earn up to $300 Cash Back*
For USC Graduates only: Take advantage of up to $300 cash back, when you use the promo code StuRefiCash. Offer expires 3/31/2018.

Auto Loan — No payments for 90 days + up to $100 cash back*
Take advantage of up to $100 cash back + no payments for 90 days on your new ride (or refinance!), when you use the promo code WinterCash. (Offer expires 1/31/2018)

Home Loan — Enhance your buying power with a 5/5 ARM
Protect yourself from rising interest rates with a 5/5 Adjustable Rate Mortgage. Your APR will stay the same for the first 5 years of the loan, versus changing every year. It combines the lower payments of a traditional ARM with the extremely low fixed adjustment caps. Plus, it keeps your monthly payments predictable, even if market rates go up!

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 LoveMyCreditUnion.org

Sprint
$100 cash reward with every new line activated with Sprint! Current customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards. Plus, get a $50 loyalty cash reward every year for every line.*

ADT & DIRECTV
Recently moved? From cable to home security, save on services for your home with ADT, DIRECTV, Allied, and more!

Love To Shop?
Love to Shop is a fun and easy way to earn cash back when you shop online at your favorite stores. You can receive cash back for every purchase at over 1,500 online retailers in Love to Shop. Plus, every time you earn $15 or more in cash back from your purchases, you’ll receive a check with your earnings!

*DISCLOSURES:
Credit Card: APR (Annual Percentage Rate) is effective May 1, 2017 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 10.90% to 17.90% 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 www.USCCreditUnion.org 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 12/01/17, is based on creditworthiness and underwriting factors, and is our best rate. Based on a 36-month term and 80% and 100% financing of retail Kelley Blue Book Value for pre-owned cars and 80% and 100% loan-to-value for new car purchases. Other Loan-to-Value requirements may apply. Proof of income is required at the time of loan funding. Monthly payment per $1,000 for 36 months at 2.19% APR is $28.73. This payment example is for illustration purposes only. Your actual payment may vary. The 1.94% APR includes the 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 84-month term loan. 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. This promotion does not apply to existing USC Credit Union Auto Loans. This email does not represent an offer, and must meet credit approval. Up to 120% 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. Cash Back: Must use promo code WinterCash when applying to be eligible for this offer. The cash incentive will be direct deposited into the member’s share account within 60 days of loan funding. If the loan pays off within one year of funding, the incentive amount will be deducted from the member’s account. Offer expires January 31, 2018. Loan must fund by January 31, 2018 to receive this special offer.

Student Loan Refinance Cash Back: To qualify for cash back, you must be a USC alumni and have a loan amount of $10,000 or greater. Proof of alumni status will be requested at the time of application. Use promo code StuRefiCash. The cash incentive will be direct deposited into the member’s share account within 60 days of loan funding. If the loan pays off within one year of funding, the incentive amount will be deducted from the member’s account. Offer expires March 31, 2018. Loan must fund by March 31, 2018 to receive this special offer. 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.

Holiday Loan: Annual Percentage Rates (APR) effective 11/03/17 and may vary depending on each individual’s credit history and underwriting factors. Credit check is required. Quoted rate is our best rate. Subject to credit approval. Offer expires December 29, 2017. Monthly payment per $1,000 for 12 months at 4.90% APR is $85.56. This payment example is for illustration purposes only. Your actual payment may vary. Collateral securing other loans with the Credit Union may also secure this loan. Interest accrues immediately after the loan is funded. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. For questions or concerns, please call (877) 670-5860.