Regular Savings

Get the basics, only better.

The starter savings account for every USC Credit Union member that opens the door to a wealth of value-added products and services. 24/7 access via thousands of ATMs and shared branches or online banking, mobile banking or phone. Flexible savings account interest rates help your deposits grow.

  • 24/7 deposits and withdrawals
  • Easy access via ATM, online banking, mobile banking or phone
  • $10 minimum deposit (includes one-time $9 membership fee)
  • No monthly service charge1
  • Earn dividends on balances of $25 or more

Members: Log in to your member portal, call us, or visit a branch to open your new account.

Non-Members: Apply for membership to get started.

Regular Share and Club*

Rates accurate as of 6/18/2024
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.

Your savings opportunities start here.

Looking for a great starter savings account? Open a Share Savings account with just $10, online or at any branch.

Hassle-free account opening. Great rates on savings accounts.


  • 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!

1$3 monthly fee is assessed if the 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.