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Advertiser Disclosure
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 USC Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 22, 2026
USC Credit Union's 18-Month IRA CD rates are at 4.00%, IRA 12 Month CD rates are at 3.80%, IRA 24 Month CD rates are at 3.30%, IRA 36 Month CD rates are at 3.30%, IRA 48 Month CD rates are at 3.30%. USC Credit Union's savings rates are at 0.05%. USC Credit Union's money market rates are at 0.10%. USC Credit Union's Personal Loan Rates are at 11.35%. MonitorBankRates evaluates the financial stability of USC Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.87%. Rates were last updated on 03/22/2026. USC Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at USC Credit Union? Share your experience about USC Credit Union by leaving a review below, or read customer reviews before you decide to use USC Credit Union. USC Credit Union
Main Office 3720 S Flower St FL 4
https://www.usccreditunion.org Los Angeles, CA 90089 
USC Credit Union CD Rates
USC Credit Union Savings Rates
USC Credit Union Money Market Rates
USC Credit Union Mortgage Rates
USC Credit Union Home Equity & HELOC
USC Credit Union Student Loan Rates
USC Credit Union Credit Card Rates
USC Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for USC Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather USC Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with USC Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
USC Credit Union
Website
https://www.usccreditunion.org
Address
3720 S Flower St FL 4,
Los Angeles, CA 90089
Phone
213-821-7100
Fax
President
Gavin Galimi
CEO
Gary Perez
Full-Time Employees
95
Part-Time Employees
11
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.87%
Return on Assets (ROA)
0.2258%
Return on Equity (ROE)
2.1931%
Non-Performing Loans Ratio (NPL)
0.80%
Total Assets
708,282,281
Total Amount of Shares and Deposits
622,546,844
Total Shares and Deposits < 1 Year
600,364,155
Total Shares and Deposits 1 3 Years
18,057,552
Total Shares and Deposits > 3 Years
4,125,137
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
43,398,931
Total Uninsured Shares and Deposits > $250K (F+J)
43,398,931
Total Insured Shares and Deposits > $250K (item 17 less item K)
579,147,913
Total Interest Expense (Sum of items 6 8)
6,799,824
Share Certificates
4,292
Number of Accounts for Share Drafts
51,305
IRA KEOGH Accounts
995
Number of Accounts for Regular Shares
72,538
Non Member Deposits
29
Money Market Shares
4,105
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
43,693,735
Total Liabilities
658,344,804
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About USC Credit UnionIs USC Credit Union a safe place to deposit money?Yes, USC Credit Union is considered a safe financial institution. With a Texas Ratio of 5.8732466764564%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does USC Credit Union operate?USC Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join USC Credit Union?Yes, to access services at USC Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, USC Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, USC Credit Union provides members with tools to manage their accounts and build a solid financial history. Does USC Credit Union offer online and mobile banking?Most modern institutions like USC Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.usccreditunion.org. Current USC Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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