FlexPay Line of Credit

Introducing FlexPay — an affordable, sensible alternative

As the Trojan Family’s own financial institution, we’re always looking for ways to better serve our members’ needs. Our new FlexPay Line of Credit lets you make small, short-term “emergency” loans to yourself — at a rate far, far below the 460% APR* some lenders charge for similar loans!

  • Limits from $100 to $500
  • Payment due in full on your next payday
  • $25 minimum advance

Click here!
In Home Banking go to
'Loans Info' and then click
'Apply for a FlexPay Line of Credit'

To qualify

Just have direct deposit to a USC Credit Union checking account. There’s a $50 annual fee, but it’s waived if you set up automatic payments.

It’s easy to apply

At home or in our branch, log onto Home Banking at www.USCcreditunion.org to apply.

USC Credit Union FlexPay Line of Credit
Annual Percentage Rate 18% (fixed)
Credit limits $100–$500 (based on amount of direct deposit)
Minimum advance$25
Maximum advanceUp to available credit
Minimum payment $25 (balance must be paid in full on next payday)
Annual fee$50 (waived with automatic payments)
Late payment fee$7 (late fee at 5 business days past due)

Annual Percentage Rate effective 1/1/09 and subject to change. All loans subject to approval. Minimum direct deposit of $100 required. Minimum payment: $25. Balance must be paid in full on next payday. At least one direct deposit must be received before advances are permitted.
*Advance America. APR effective 12/23/08, from Advance America web site and subject to change.

ATM/Shared Branch Locator

SMS address, intersection or ZIP code to 692667 to find nearest surcharge-free ATMs.

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