Student Banking

Student Banking

Banking made for Trojans, by Trojans.

Discover student-focused banking built for USC students! Experience the benefits of fee-free checking accounts, feature-rich savings accounts, affordable student loans, low-rate credit cards, and a wealth of financial tools to help you build and safeguard your financial well-being. Enjoy the convenience of having all your banking needs in one place.

Banking for campus life, real life:

  • Student-focused products with loads of benefits
  • Network of 30,000 shared branches and 5,000 ATMs nationwide
  • 24/7 online banking access
  • Convenient branches and ATMs on University
    Park Campus and Health Sciences Campus

Regular Savings

Save strong like the Trojan student you are.

Start saving for your future with USC Credit Unionʼs regular savings account. It’s loaded with benefits you’ll actually use.

  • Access your funds at 5,000 fee-free ATMs nationwide
  • Free mobile banking app

APY is accurate as of 7.22.2024

Rates as high as:


View Rates 

Student Checking

Trojans, financial independence starts here.

Our student checking account fits you, your budget and your USC campus life.

  • Maintain your account with no minimum daily balance and no monthly service charges*
  • Make two free withdrawals per month at any ATM*
  • Two free incoming wire transfers per year1
  • 24/7 Online and Mobile Banking access

Student Loans

Pay for college or refinance your current loans.

Fill funding gaps between tuition and other educational expenses, refinance private student loans, or pursue a professional certificate – whatever your goal, ours is to ensure you focus on your education, not the cost.

  • Financing for undergraduate or graduate students
  • Complete one simple online application 

Student Platinum Mastercard®

Your financial independence starts here.

Trojans, this credit cardʼs for you. Build a strong credit history with smart purchases and on-time payments through graduation and beyond.

  • Low variable rates
  • No credit history or minimum credit score required for approval

APY is accurate as of 7.22.2024

Rates as low as:


Student Rewards Mastercard®

Get rewarded for everyday purchases.

Groceries, gas, morning latte runs. Whatever your daily routine involves, you can earn points and build credit when you pay with your rewards credit card.

  • Low variable rates
  • No prior credit history or cosigner needed to apply

APY is accurate as of 7.22.2024

Rates as low as:



Start building credit.

Looking for a credit card to build credit responsibly? It’s possible with USC Credit Union’s Secured Mastercard®.

  • No Social Security Number (SSN) or ITIN required for USC international students to apply3
  • Choose credit limits from $500 – $5,000

APY is accurate as of 7.22.2024

Rates as low as:


Computer Loan

Connecting Trojans to tech

The Computer Loan Program offers a discounted rate4 and flexible repayment of up to 36 months on your next computer purchase from the USC Bookstore! Available to USC students, faculty, staff, alumni, and Trojan parents.

Here’s How It Works

  1. Receive a Computer Quote from the USC Bookstore.
  2. Apply for a USC Credit Union personal loan at a branch, by phone, or online. Use the promo code: USCTECH
  3. Upon approval, schedule pickup with the USC Bookstore!

Computer must be for personal use. Computer Loans are funded directly to the USC Bookstore.

APY is accurate as of 7.22.2024

Fixed as low as:


USC Credit Union is easy, simple and convenient to use. I know a lot of international and domestic students who use it, so you know it’s good. Fight on, USC Credit Union!


  • Financial Education

    Get a free financial education on all things personal finance from credit scores and debt consolidation to saving and student loans.

  • 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.

  • In-School Student Loans

    Help with tuition when you need it. USC Credit Union’s unique line of credit loan lets you draw what you need any time – no need to reapply.

*View our Truth-in-Savings Disclosures in Online Banking for details on free checking. View our Schedule of Fees for details on any fees you may incur.

12 free incoming wires annually by calendar year, January 1st, (combined domestic and foreign) with Student Checking. See Schedule of Fees for subsequent transactions.

2Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. Two free non-shared network ATM transactions per month with Student Checking, 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.

3Cosigner will boost chances of being approved.

4Annual Percentage Rate (APR) effective as of 7.22.2024 and is based on creditworthiness and underwriting factors. Monthly payment per $1,000 for 12 months at 4.99% is $85.60. Must be a current USC student or faculty or staff, USC alumni, admitted USC student, or parent of current or admitted USC student. Proof of income may be required at the time of loan funding. 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.