Overview / Commentary
3720 S Flower St FL 4
Los Angeles, CA 90007

USC Credit Union is headquartered in Los Angeles and is the 76th largest credit union in the state of California. It is also the 522nd largest credit union in the nation. It was established in 1973 and as of December of 2018, it had grown to 85 employees and 72,757 members at 4 locations. USC Credit Union's money market rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

USC Credit Union membership is open to: (1) Those who live, work, worship or attend school in the City of Los Angeles or Orange County, California. (2) Employees, students, or faculty of the University of Southern California, and members of the USC Alumni Association. (3) Any business, corporation or other legal entity in Los Angeles city or Orange County. (4) Any immediate family or household member, and employees of the Credit Union. (5) Employees of the following employers in the following cities: Los Angeles Child Guidance, Inc., John Tracy Clinic, Health Research Association, and Kenneth Norris Jr. Cancer Hospital in Los Angeles, and Woodbury University in Burbank, California.
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Reviews (2)

Excellent Credit Union

Posted by: EricZ | Oct 2, 2014

This credit union really goes out of its way to provide for its customers. I needed a loan for a car, and despite having recently graduated, I was able to get one at a very good rate. This is a credit union that cares about its members, and is more about helping its members get what they need than just eating up more interest. The customer service is great, and all the people I spoke to were very cordial.

USC Credit Union: A lot to like and a lot to not like

I was a customer of USC Credit Union for over five years. I had a checking account and a savings account, both of which were my my primary means of managing money. In some ways, the credit union was state of the art: My direct deposited paychecks arrived like clockwork; they were fair and consistent with hold times for non-payroll checks; I never ran into unexpected or unfair fees from them; the two branches were clean and usually not crowded. But there were a few problems that never improved over the five years: One was the lack of staffing within the bank. Sometimes, transactions with a teller could happen immediately and be done in 30 seconds. Other times, I'd be stuck behind someone with a complicated issue and a 5-minute trip to the credit union on my lunch break turned into a 30-minute ordeal. The second problem is that for a seemingly state-of-the-art financial institution affiliated with a tech-savvy major university, the credit union's website and app were really low-tech and inefficient. Bill paying was either impossible or non-existent. Applying for new accounts or products involved printing out paper forms. The only real capability of the app or website was checking transaction history and even then, some details (time of transaction, funds being held, etc.) were unavailable.


Health Grade Components

NCUA #68459
Year Chartered1973
Primary Regulator
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD11.57%
Annual Interest Income$19.8MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$549.7MM$512.7MM
LoansQ4 2018vs Q4 2017$481.4MM$450.8MM
DepositsQ4 2018vs Q4 2017$499.4MM$467.5MM
Equity CapitalQ4 2018vs Q4 2017$46.2MM$40.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$3.0MM$2.4MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$2.0MM$2.5MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

USC Credit Union Savings Account Rates

0.20%$100-IRA Share
0.15%$25-Regular Share
0.15%$25-Club Account

USC Credit Union Money Market Rates

1.60%*$10k*-Value+ Money Market
OTHER TIERS: 0.10% Up to $10k
0.85%*$100k*-Money Market
OTHER TIERS: 0.10% Up to $2.5k | 0.55% $2.5k - $10k | 0.65% $10k - $50k | 0.75% $50k - $100k

USC Credit Union Checking Account Rates

0.10%$2.5k-Trojan Checking
0.05%$750-Gold Checking

USC Credit Union CD Rates

3.00%$1k-60 Month CD
2.80%$1k-48 Month CD
2.75%$1k-36 Month CD
2.70%$1k-24 Month CD
2.30%$1k-12 Month CD
1.40%$1k-6 Month CD
0.85%$1k-3 Month CD

USC Credit Union IRA Rates

3.05%$1k-60 Month IRA
2.85%$1k-48 Month IRA
2.80%$1k-36 Month IRA
2.75%$1k-24 Month IRA
2.35%$1k-12 Month IRA

USC Credit Union Locations
Branch Office3601 Trousdale Pkwy Ste 106Los Angeles, CA 90089
Branch Office3720 S Flower St FL 1Los Angeles, CA 90007
Branch Office1969 Zonal Ave Ste 101BLos Angeles, CA 90033
Branch Office2272 Michelson Dr Ste 102Irvine, CA 92612

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