Savings Accounts

Savings Accounts

The best savings account is one that adds up to your best financial health.

Your savings goals are your own, and the way you choose to meet them is up to you.  Benefit from the best of both worlds with a checking and savings account, and make saving money a regular habit.  

Benefits:

  • Have funds on hand for emergencies and unplanned expenses
  • Peace of mind knowing your money is insured
  • Earn interest on your savings and watch them grow
  • Pay your bills on time with the convenience of online Bill Pay
  • Bank on the go with free Mobile and Online Banking
  • Access a network of 30,000 fee-free ATMs and 5,000 shared branch locations

Smart Yield Savings

A Smarter Way to Grow Your Money

Turn your savings into a powerful financial asset with our Smart Yield Savings account. Designed for members who meet select relationship criteria, this account rewards your loyalty with top-tier earnings and added peace of mind.

  • Earn up to 3.80% APY*, tiered to reward higher balances
  • Open with just $100 and pay no monthly maintenance fees

APY is accurate as of 8.7.2025

Rates as high as:

3.80%

View Rates for Smart Yield Savings

Regular Savings

The basics only better.

The starter savings account for every USC Credit Union member, Regular Savings opens the door to a wealth of value-added products and services.

  • $1 minimum deposit to open1
  • Higher dividends on balances of $25 or more

APY is accurate as of 8.7.2025

Rates as high as:

0.05%

View Rates for regular share savings

Money Market Accounts

High-interest savings account with easy access.

Keep your earnings high and your assets liquid with a USC Credit Union Money Market account.3

  • Choose your initial minimum deposit: $2,500 or $10,000
  • 6 withdrawals per month

APY is accurate as of 8.7.2025

Rates as high as:

2.25%

View Rates for money market accounts

Share Certificates

Lock in our best yields on your terms.

Similar to CDs, share certificates earn credit union shareholders a guaranteed return when you lock in for a specific term.

  • $1,000 – $50,000 deposits
  • 3-month to 5-year terms

APY is accurate as of 8.7.2025

Rates as high as:

3.50%

View Rates for all Savings Accounts

Which savings account is right for you?

Compare Personal Savings and Investment Accounts
Features
Smart Yield Savings
Regular Savings
Money Market
Value + Money Market
Share Certificates
The right fit for…A tiered dividend structure rewards stronger relationships with higher returns, while keeping your funds accessible.First-time savers (and a must-have for membership)Savers who want liquidityAdvanced saversSerious investors who don’t need immediate liquidity
Deposit & Balance Requirements$100 minimum initial deposit$1 min initial deposit. Monthly fee waived w/$100 combined daily balance in all accounts, under age 25, USCCU loan, or at least $25 monthly deposit.$2,500 minimum initial deposit$10,000 minimum initial deposit and daily balance$1,000 – $50,000 deposits, three-month to five-year terms. No monthly service charge.
Dividends/InterestDividends are earned daily, credited, and compounded monthly at the rate that corresponds to the account balance.Paid quarterlyTiered dividend structure rewards higher balances with higher yieldsHigher dividends than a regular Money Market accountOur highest dividends
Additional DetailsTo Qualify:
Maintain a $2,500 monthly direct deposit and meet one of the following:
$20,000+ in USCCU consumer loans
$50,000+ USCCU mortgage
$50,000+ in combined deposits
Active Trojan Wealth Management account		NoneNoneNoneUpon maturity, each Certificate is renewed for same term at prevailing rate, unless member has advised USCCU of alternate disposition within 10 calendar days after the Maturity Date to avoid being charged an early withdrawal penalty.
AccessibilityAccess funds via Online Banking, checks or ATM.Access funds with ATM card.Access funds via Online Banking, checks or ATM.Access funds via Online Banking, checks or ATM.None for length of term. Early withdrawal penalties apply.
Links to Open AccountsLearn More about Smart Yield SavingsLearn More about Regular SavingsLearn More about Money MarketLearn More about Value + Money MarketLearn More about Share Certificates

    Certificate Savings Calculator




    i

    APY stands for “annual percentage yield.” It’s the rate of return on your money, or how much money your money earns over time.

    $32,850.18 Your total balance

    Interest earned by month 15:

    • Your earnings$11847.00
    • Compared APY$3030.44

    Total interest earned = $12850.18

    Let’s chat.

    Need help deciding on a personal savings account? Talk to a member associate. We’re always here to lend an ear and all the guidance you need.

    I like the personalized service from USC Credit Union. Also like that you don’t get charged all the fees that regular banks charge.

    -Betty Jo

    • Checking Accounts

      Free ATMs. Free Online Banking. USC Credit Union checking accounts give you perks and plenty of choices from our no-fee basic to interest-bearing accounts.

    • IRAs

      Invest in your future. Make tax-deductible annual contributions with a traditional Individual Retirement Account (IRA). Earn tax-free, compounded growth with a Roth IRA.

    • Family Membership

      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!

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        *Disclosures

        *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:

        • Have a qualifying direct deposit totaling at least $2,500 per month via ACH (e.g., payroll, Social Security). Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®, Bill Pay, Cash Apps, ACH transfers between external bank accounts, etc.) are not considered a direct deposit.
        • And meet at least one of the following criteria:
          • Carry a USC Credit Union consumer loan of $20,000 or more
          • Have a mortgage loan of $50,000 or more
          • Maintain at least $50,000 in combined share balances, or
          • Have an active account with Trojan Wealth Management

        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 8.1.2025 and are subject to change without notice.

        1$3 monthly fee assessed if combined average in all savings, checking, money market, certificate and IRA accounts falls below $100 and account holder has no outstanding USC Credit Union loan balances. Fee waived if under age 25 or one monthly $25 deposit occurs.

        2Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. Two free non-shared network ATM transactions per month with CampusSpend, five free with Gold Checking, unlimited with Trojan Checking. When you use an ATM not displaying the USCCU or Co-Op ATM symbols, the ATM owner may charge additional fees. View our Schedule of Fees for details on any fees you may incur.

        3View our Schedule of Fees for details on Money Market account fees.

        4Contributions are not tax-deductible and are limited to $2,000 annually. Available only to single taxpayers with adjusted gross income (AGI) levels of $95,000 or below and married taxpayers with AGI of $190,000 or below.

        USCCU pays a bonus rate on all certificates over $50,000. Please refer to the USCCU Truth-in-Savings disclosures for complete information on account terms and related conditions. Early withdrawal penalties apply. IRS penalties may apply for premature withdrawals in addition to an early withdrawal penalty. Please consult your tax professional for more information. Federally insured by National Credit Union Administration (NCUA).