Smart Yield Savings
High-Yield Savings Account

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.

Features:

  • Earn up to 3.80% APY*—tiered to reward higher balances
  • No monthly maintenance fees
  • Low minimum opening deposit of just $100
  • Insured:
    • Balances of $249,999 or less is federally insured by the National Credit Union Administration (NCUA)

To Qualify:

  • You must maintain a minimum $2,500 monthly direct deposit and satisfy at least one of the following: 
    • Have a PremiumSpend checking account
    • Carry a USC Credit Union consumer loan of $20,000 or more
    • Have a USC Credit Union mortgage loan of $50,000 or more
    • Maintain at least $50,000 in combined share balances at USC Credit Union
    • Have an active account with Trojan Wealth Management

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

Non-Members: Apply for membership to get started

MoneySense

Earn More, Automate to Accelerate

Think of a Smart Yield Savings account as your money’s “fast lane.” It earns more interest than a regular savings account, with no extra effort. But here’s a tip to make it work even harder: automate your deposits.

Let’s say you set up an automatic transfer of $200 every month from your checking account to your Smart Yield Savings. Over a year, that’s $2,400 saved, plus interest. You won’t miss the money because it moves automatically, and over time, those deposits (and the interest they earn) add up faster than you’d think. It’s a simple, smart way to turn consistent habits into bigger savings.

Smart Yield Savings*

High-Yield Savings Account

Rates accurate as of 8/24/2025
All rates and terms subject to change without notice.

Balance, Dividend Rate, and APY for Smart Yield Savings
BalanceDividend RateAPY
$1 – $9,9990.000%2.00%
$10,000 – $49,9990.000%3.00%
$50,000 – $99,9990.000%3.50%
$100,000+0.000%3.80%
Non-qualifying balances0.000%0.15%

*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:
    • Have a PremiumSpend checking account
    • 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 8.24.2025 and are subject to change without notice.

Earn More by Bundling It with a PremiumSpend Checking Account

PremiumSpend

Checking

Rates accurate as of 8/24/2025
All rates and terms subject to change without notice.

Dividend and APY rates for PremiumSpend checking accounts
Dividend RateAPY*
0.050%0.05%

*PremiumSpend checking account disclosure: A $8.95 monthly service fee applies, but the fee will be waived if you meet one of the following requirements in a month: (a) minimum $5,000 average daily balance maintained in the PremiumSpend Checking Account during that month; or (b) minimum $25,000 combined share account balance maintained at USC Credit Union every day during that month. PremiumSpend Checking Accounts are subject to a variable rate. For the current dividend rate(s) and corresponding APY(s), refer to the separate Rate Sheet. The minimum opening deposit for PremiumSpend Checking Accounts is $25.00. The minimum balances required to earn dividends are disclosed in our Schedule of Fees. For payroll that can be verified by the Credit Union to its reasonable satisfaction, your direct deposit paycheck may be made available up to two (2) to three (3) calendar days prior to your regular payroll deposit date. Unlimited non-shared network ATM transactions with PremiumSpend. When you use an ATM not displaying the USCCU or Co-Op ATM symbols, the ATM owner may charge additional fees. Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. PremiumSpend Checking Account owners are provided the following free services: free check writing, free incoming domestic wire transfers, free debit card, free Mobile Banking, free Mobile Deposit, free Bill Pay, free Zelle®, free eStatements, optional free paper statements, one (1) complimentary financial review with a Trojan Wealth Management advisor, free unlimited non-network domestic ATM transactions, free Credit Union cashier’s checks or money orders (three (3) a month), free Credit Union notary services (one (1) a month), free temporary checks, and free access to their credit score through online banking. PremiumSpend Checking Accounts are also provided Overdraft Protection services that cover your check, ACH, debit card, and ATM transactions if your account has insufficient available funds to cover the transaction, but we pay the transaction anyway, resulting in a negative balance. Overdraft Protection services are only provided for everyday (one-time) debit card transactions, if you have opted in to payment of such transactions. Each overdraft transaction covered under the Overdraft Protection service is subject to a $14 fee. We reserve the right not to pay any overdraft transaction, even if we have paid such transactions in the past, and also will only make the Overdraft Protection service available to members in good standing. You must repay any negative balance resulting from Balance Protection may be reduced if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day. You must bring your account balance positive for at least one business day to have the full Balance Protection limit reinstated. Any USC Credit Union certificate account maintained by a PremiumSpend Checking Account owner will also be subject to an additional 0.25% APY on the certificate account dividends. $250 discount on closing costs on approved USC Credit Union home loans. View our Schedule of Fees for details on any fees you may incur.

A Relationship with Savings Benefits

Start growing your savings with the account that rewards your trust and loyalty. Open your Smart Yield Savings account today online or at a branch.

The APR for everything is great. You also get to have one of the best savings accounts around.

-Pablo

  • 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.

  • Home Loans

    Starter home, second home or your “forever home” – whatever you call it, we can help you call it home with affordable fixed-rate and adjustable-rate mortgages.

  • Auto Loans

    Why finance with us? Simple: We’re a credit union with no shareholder interests to cater to. The upshot: Bank-beating auto loan rates on cars, trucks, motorcycles, RVs, and more.

*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:
    • Have a PremiumSpend checking account
    • 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 8.24.2025 and are subject to change without notice.