USC Credit Union


Overview / Commentary
213-821-7100
3720 S Flower St FL 4
Los Angeles, CA 90089

USC Credit Union is headquartered in Los Angeles and is the 73rd largest credit union in the state of California. It is also the 532nd largest credit union in the nation. It was established in 1973 and as of June of 2022, it had grown to 100 employees and 75,734 members at 2 locations. USC Credit Union's money market rates are 59% higher than the national average, and it has a B 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: |

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

Health Grade Components

Overall
NCUA #68459
Year Chartered1973
Employees100
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD3.31%
Annual Interest Income$8.3MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$754.8MM$741.6MM
LoansQ2 2022vs Q2 2021$489.1MM$409.0MM
DepositsQ2 2022vs Q2 2021$696.4MM$677.9MM
Equity CapitalQ2 2022vs Q2 2021$43.8MM$53.8MM
Loan Loss AllowanceQ2 2022vs Q2 2021$920.00K$2.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$3.3MM$1.5MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$100-IRA Share
0.05%$25-Regular Share
0.05%$25-Club Account

USC Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$100k*-Value+ Money Market
OTHER TIERS: 0.15% Up to $10k | 0.55% $10k+ | 0.60% $50k - $100k
0.45%*$100k*-Money Market
OTHER TIERS: 0.15% Up to $2.5k | 0.35% $2.5k - $50k | 0.40% $50k - $100k

USC Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2.5k-Trojan Checking
0.02%$750-Gold Checking

USC Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k$50k60 Month CD
1.70%$1k$50k48 Month CD
1.65%$1k$50k36 Month CD
1.50%$1k$50k24 Month CD
1.20%$1k$50k12 Month CD
0.70%$1k$50k6 Month CD
0.45%$1k$50k3 Month CD

USC Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$1k$50k60 Month IRA
1.75%$1k$50k48 Month IRA
1.70%$1k$50k36 Month IRA
1.55%$1k$50k24 Month IRA
1.25%$1k$50k12 Month IRA
Locations


USC Credit Union Locations
Branch Office3720 S Flower St FL 1Los Angeles, CA 90089
Branch Office1969 Zonal Ave Ste 101BLos Angeles, CA 90033

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