USC Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 3.00% | 5-year CD | 3.10% - Barclays 60 Month Online CD |
| 2.30% | 1-year CD | 2.75% - Barclays 12 Month Online CD |
| 0.15% | Savings | 0.27% - National Average |
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.
See current membership details
Excellent Credit Union
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68459 |
| Year Chartered | 1973 |
| Employees | 85 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.99% |
| Return on Equity - YTD | 11.57% |
| Annual Interest Income | $19.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $549.7MM$512.7MM |
| Loans | Q4 2018vs Q4 2017 | $481.4MM$450.8MM |
| Deposits | Q4 2018vs Q4 2017 | $499.4MM$467.5MM |
| Equity Capital | Q4 2018vs Q4 2017 | $46.2MM$40.8MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $3.0MM$2.4MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $2.0MM$2.5MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not USC Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | $100 | - | IRA Share | |
| 0.15% | $25 | - | Regular Share | |
| 0.15% | $25 | - | Club Account |
USC Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | $2.5k | - | Trojan Checking | |
| 0.05% | $750 | - | Gold Checking |
USC Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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 Office | 3601 Trousdale Pkwy Ste 106 | Los Angeles, CA 90089 |
| Branch Office | 3720 S Flower St FL 1 | Los Angeles, CA 90007 |
| Branch Office | 1969 Zonal Ave Ste 101B | Los Angeles, CA 90033 |
| Branch Office | 2272 Michelson Dr Ste 102 | Irvine, CA 92612 |