☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
USC Credit Union

iAdvertiser Disclosure

USC Credit Union Rates & Review November 2026

Q: What are the current interest rates at USC Credit Union?

Current rates for USC Credit Union include: 12-Month CD: 4.10%, 24-Month CD: 4.25%, 60-Month CD: 4.35%, Savings: 6.00%, MMA: 3.25%

Q: What CD terms does USC Credit Union offer?

USC Credit Union CD rates are 4.10% APY for a 12 month CD, 4.25% APY for a 2 year CD, 4.30% APY for a 3 year CD, 4.30% APY for a 4 year CD and 4.35% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with USC Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

USC Credit Union's CD - 60 month rates are at 4.35%, CD - 36 month rates are at 4.30%, CD - 48 month rates are at 4.30%, CD - 24 month rates are at 4.25%, CD - 12 month rates are at 4.10%. USC Credit Union's savings rates are at 6.00%. USC Credit Union's money market rates are at 3.25%. USC Credit Union's checking rates are as high as 0.05%. USC Credit Union's Personal Loan Rates are as low as 11.60%. USC Credit Union's Credit Card Rates are at 11.90%. USC Credit Union's CD rates are 48% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 5.49%. Rates last updated and verified on 10/30/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.49%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

USC Credit Union
Main Office

3720 S Flower St FL 4
Los Angeles, CA 90089

https://www.usccreditunion.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

USC Credit Union CD Rates

Product	Rate	APY	Term
IRA 60 Month Certificate	4.314%	4.40%	60 Month
Min Deposit $1,000 Details Rates may vary after account is opened. APY is accurate as of the last dividend declaration date. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80% Oct 19, 20264.40%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
IRA 36 Month Certificate	4.266%	4.35%	36 Month
Min Deposit $1,000 Details Rates may vary after account is opened. APY is accurate as of the last dividend declaration date. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.35% ▲ 0.65 pts · high 4.35% / low 3.70% Oct 19, 20264.35%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
IRA 48 Month Certificate	4.266%	4.35%	48 Month
Min Deposit $1,000 Details Rates may vary after account is opened. APY is accurate as of the last dividend declaration date. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75% Oct 19, 20264.35%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Share Certificate - 60 month	4.266%	4.35%	60 Months
Min Deposit $1,000 Details Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75% Oct 19, 20264.35%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
IRA 24 Month Certificate	4.218%	4.30%	24 Month
Min Deposit $1,000 Details Rates may vary after account is opened. APY is accurate as of the last dividend declaration date. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.30% ▲ 0.60 pts · high 4.30% / low 3.70% Oct 19, 20264.30%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Share Certificate - 36 month	4.218%	4.30%	36 Months
Min Deposit $1,000 Details Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.30% ▲ 0.65 pts · high 4.30% / low 3.65% Oct 19, 20264.30%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Share Certificate - 48 month	4.218%	4.30%	48 Months
Min Deposit $1,000 Details Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 4.30% ▲ 0.60 pts · high 4.30% / low 3.70% Oct 19, 20264.30%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Share Certificate - 24 month	4.169%	4.25%	24 Months
Min Deposit $1,000 Details Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65% Oct 19, 20264.25%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
IRA 12 Month Certificate	4.073%	4.15%	12 Month
Min Deposit $1,000 Details Rates may vary after account is opened. APY is accurate as of the last dividend declaration date. Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.84% → 4.15% ▲ 0.31 pts · high 4.15% / low 3.84% Oct 19, 20264.15%▲ from 3.84% Sep 14, 20263.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Share Certificate - 12 month	4.025%	4.10%	12 Months
Min Deposit $1,000 Details Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.79% → 4.10% ▲ 0.31 pts · high 4.10% / low 3.79% Oct 19, 20264.10%▲ from 3.79% Sep 14, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Share Certificate - 6 month	3.687%	3.75%	6 Months
Min Deposit $1,000 Details Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 19, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Share Certificate - 3 month	3.445%	3.50%	3 Months
Min Deposit $1,000 Details Dividend rate and APY accurate as of 10/19/2026; early withdrawal penalties apply Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 19, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

USC Credit Union Savings Rates

Product	Rate	APY
SmartStart Savings	5.827%	6.00%
Min Balance $0 Details Qualifying balance up to $1,000.00 Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 6.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Smart Yield Savings	3.494%	3.55%
Min Deposit $100 Min Balance $100,000 Details Qualifications Required; Balance: $100,000 and over; Tiered APY; Smart Yield Savings is a High-Yield Savings Account Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Smart Yield Savings	3.203%	3.25%
Min Deposit $100 Min Balance $50,000 Details Qualifications Required; Balance: $50,000 - $99,999; Tiered APY; Smart Yield Savings is a High-Yield Savings Account Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Smart Yield Savings	2.716%	2.75%
Min Deposit $100 Min Balance $10,000 Details Qualifications Required; Balance: $10,000 - $49,999; Tiered APY; Smart Yield Savings is a High-Yield Savings Account Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Smart Yield Savings	1.736%	1.75%
Min Deposit $100 Min Balance $1 Details Qualifications Required; Balance: $1 - $9,999; Tiered APY; Smart Yield Savings is a High-Yield Savings Account Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
IRA Savings	0.20%	0.20%
Min Deposit $100 Details Rates may vary after account is opened. APY is accurate as of the last dividend declaration date. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Smart Yield Savings	0.15%	0.15%
Min Deposit $100 Details Non-qualifying balances; Non-qualifying rate applies when requirements are not met in a given month Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Regular Share and Club Savings Accounts	0.05%	0.05%
Min Balance $25 Details Balance: $25-$99.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Regular Share and Club Savings Accounts	0.05%	0.05%
Min Balance $99 Details Balance: More than $99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

USC Credit Union Money Market Rates

Product	Rate	APY
Value+ Money Market	1.982%	2.00%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Value+ Money Market	1.982%	2.00%
Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Value+ Money Market	1.982%	2.00%
Min Balance $500,000 Details Balance: $500,000 to $999,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Value+ Money Market	1.982%	2.00%
Min Balance $1,000,000 Details Balance: $1 million and over Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Value+ Money Market	1.785%	1.80%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Value+ Money Market	1.292%	1.30%
Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Value+ Money Market	1.292%	1.30%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market	0.797%	0.80%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market	0.797%	0.80%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market	0.648%	0.65%
Min Balance $10,000 Details Balance: $10,000-$49,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market	0.598%	0.60%
Min Balance $2,500 Details Balance: $2,500-$9,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0-$2,499.99 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Value+ Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0-$9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

USC Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	3.203%	3.25%
Min Balance $0 Details Balance: $0 to $9,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Business Money Market	3.203%	3.25%
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Business Money Market	3.203%	3.25%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

USC Credit Union Checking Rates

Product	Rate	APY	View More
PremiumSpend Checking	0.05%	0.05%
Min Deposit $25 Details Dividend rate and APY are variable; refer to the Rate Sheet. $8.95 monthly service fee waived with $5,000 average daily balance or $25,000 combined share balance. Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

USC Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Interest Only HELOC	-	-	6.90%
Details As Low As; Home Equity Line of Credit; Prime -0.10%; variable APR; 10-year draw period, 15-year repayment; requires FICO 740+ and combined LTV of 80% or less Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.65% → 6.90% ▲ 0.25 pts · high 6.90% / low 6.65% Sep 18, 20266.90%▲ from 6.65% Sep 14, 20266.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Traditional HELOC	-	-	6.90%
Details As Low As; Home Equity Line of Credit; Prime -0.10%; variable APR; 10-year draw period, 15-year repayment; requires FICO 740+ and combined LTV of 80% or less Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 6.65% → 6.90% ▲ 0.25 pts · high 6.90% / low 6.65% Sep 18, 20266.90%▲ from 6.65% Sep 14, 20266.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

USC Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Purchase Loans + Touring Motorcycles over 1200cc	-	-	4.69%	36 Months
Details As Low As; 100% Financing; Rates apply to 2024 or newer vehicles; Includes available discounts up to 0.75% APR, 4.44% floor rate; Monthly payment per $1,000 for 36 months at 4.69% is $29.83 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.44% → 4.69% ▲ 0.25 pts · high 4.69% / low 4.44% Oct 10, 20264.69%▲ from 4.44% Sep 14, 20264.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Auto Purchase Loans + Touring Motorcycles over 1200cc	-	-	4.94%	48 Months
Details As Low As; 100% Financing; Rates apply to 2024 or newer vehicles; Includes available discounts up to 0.75% APR, 4.44% floor rate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.69% → 4.94% ▲ 0.25 pts · high 4.94% / low 4.69% Oct 10, 20264.94%▲ from 4.69% Sep 14, 20264.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Auto Purchase Loans + Touring Motorcycles over 1200cc	-	-	5.19%	60 Months
Details As Low As; 100% Financing; Minimum loan amount $8,000; Rates apply to 2024 or newer vehicles; Includes available discounts up to 0.75% APR, 4.44% floor rate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 4.94% → 5.19% ▲ 0.25 pts · high 5.19% / low 4.94% Oct 10, 20265.19%▲ from 4.94% Sep 14, 20264.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Auto Purchase Loans + Touring Motorcycles over 1200cc	-	-	5.44%	72 Months
Details As Low As; 100% Financing; Minimum loan amount $15,000; Rates apply to 2024 or newer vehicles; Includes available discounts up to 0.75% APR, 4.44% floor rate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.19% → 5.44% ▲ 0.25 pts · high 5.44% / low 5.19% Oct 10, 20265.44%▲ from 5.19% Sep 14, 20265.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Auto Purchase Loans + Touring Motorcycles over 1200cc	-	-	5.94%	84 Months
Details As Low As; 100% Financing; Minimum loan amount $25,000; Rates apply to 2024 or newer vehicles; Includes available discounts up to 0.75% APR, 4.44% floor rate Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 5.69% → 5.94% ▲ 0.25 pts · high 5.94% / low 5.69% Oct 10, 20265.94%▲ from 5.69% Sep 14, 20265.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

USC Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats & RVs Loan	-	7.69%	48 - 180 Months
Details APR as low as; Rates include the 0.25% discount for automatic loan payments and 0.25% discount for maintaining an active PremiumSpend checking account; apply to 2024 or newer vehicle models; subject to change based on vehicle year and mileage Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 7.69% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Motorcycles 1200cc or less, E-Bikes, & Other Consumer Goods - 36 Months Loan	-	8.69%	36 Months
Details As Low As; includes 0.25% automatic loan payment discount and 0.25% PremiumSpend checking discount; applies to 2024 or newer vehicle models; rates subject to change based on vehicle year Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Motorcycles 1200cc or less, E-Bikes, & Other Consumer Goods - 48 Months Loan	-	8.94%	48 Months
Details As Low As; includes 0.25% automatic loan payment discount and 0.25% PremiumSpend checking discount; applies to 2024 or newer vehicle models; rates subject to change based on vehicle year Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Motorcycles 1200cc or less, E-Bikes, & Other Consumer Goods - 60 Months Loan	-	9.19%	60 Months
Details As Low As; includes 0.25% automatic loan payment discount and 0.25% PremiumSpend checking discount; applies to 2024 or newer vehicle models; rates subject to change based on vehicle year Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Motorcycles 1200cc or less, E-Bikes, & Other Consumer Goods - 72 Months Loan	-	9.44%	72 Months
Details As Low As; includes 0.25% automatic loan payment discount and 0.25% PremiumSpend checking discount; applies to 2024 or newer vehicle models; rates subject to change based on vehicle year Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

USC Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Student Loan Refinance - Variable Rate	-	-	3.74%
Details As Low As; Variable rates from 3.74% - 11.74% APR (with AutoPay); rate indexed to 90-Day SOFR Average; minimum loan amount $5,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Student Loan Refinance - Fixed Rate	-	-	3.89%
Details As Low As; Lowest fixed rate assumes AutoPay enrollment and 0.25% Graduate School discount; minimum loan amount $5,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Student Loan Refinance - Fixed	-	-	4.99%	120 Months
Details As Low As; Fixed APR; Minimum loan amount $5,000; Rates accurate as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Student Loan Refinance - Variable	-	-	5.54%	120 Months
Details As Low As; Variable APR; Minimum loan amount $5,000; Rates accurate as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Student Loan Refinance - Fixed	-	-	5.79%	180 Months
Details As Low As; Fixed APR; Minimum loan amount $5,000; Rates accurate as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Student Loan Refinance - Variable	-	-	6.54%	180 Months
Details As Low As; Variable APR; Minimum loan amount $5,000; Rates accurate as of 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

USC Credit Union Credit Card Rates

Product	Rate	APR
Platinum Mastercard	-	11.90%
Details APR Variable as low as; Credit card Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 11.65% → 11.90% ▲ 0.25 pts · high 11.90% / low 11.65% Oct 10, 202611.90%▲ from 11.65% Sep 14, 202611.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Platinum Rewards Mastercard	-	13.90%
Details APR Variable as low as; Credit card Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 13.65% → 13.90% ▲ 0.25 pts · high 13.90% / low 13.65% Oct 10, 202613.90%▲ from 13.65% Sep 14, 202613.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Student Rewards Mastercard	-	13.90%
Details APR Variable as low as; Credit card Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 13.65% → 13.90% ▲ 0.25 pts · high 13.90% / low 13.65% Oct 10, 202613.90%▲ from 13.65% Sep 14, 202613.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Secured Mastercard (Fixed)	-	13.99%
Details APR Fixed; Credit card Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 13.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

USC Credit Union Personal Loan Rates

Product	APR	Term
Personal Line of Credit - Variable Rate	11.60%
Details As Low As; Variable Rate; Rates accurate as of 10/01/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.60% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Personal Loan	11.74%	36 Months
Details As Low As; APR as low as 11.74%; reflects lowest available rate, including 0.25% discount for automatic loan payments from a USC Credit Union checking account and 0.25% discount for maintaining an active PremiumSpend Checking account, for qualifying members Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49% Oct 10, 202611.74%▲ from 11.49% Sep 14, 202611.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Personal Loan	12.74%	48 Months
Details As Low As; APR as low as 12.74%; reflects lowest available rate, including 0.25% discount for automatic loan payments from a USC Credit Union checking account and 0.25% discount for maintaining an active PremiumSpend Checking account, for qualifying members Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 11.99% → 12.74% ▲ 0.75 pts · high 12.74% / low 11.99% Oct 10, 202612.74%▲ from 11.99% Sep 14, 202611.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Personal Loan	13.24%	60 Months
Details As Low As; APR as low as 13.24%; reflects lowest available rate, including 0.25% discount for automatic loan payments from a USC Credit Union checking account and 0.25% discount for maintaining an active PremiumSpend Checking account, for qualifying members Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.24% → 13.24% ▲ 1.00 pts · high 13.24% / low 12.24% Oct 10, 202613.24%▲ from 12.24% Sep 14, 202612.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Personal Loan	14.49%	72 Months
Details As Low As; APR as low as 14.49%; reflects lowest available rate, including 0.25% discount for automatic loan payments from a USC Credit Union checking account and 0.25% discount for maintaining an active PremiumSpend Checking account, for qualifying members Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 13.24% → 14.49% ▲ 1.25 pts · high 14.49% / low 13.24% Oct 10, 202614.49%▲ from 13.24% Sep 14, 202613.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

USC Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Computer Loan	-	-	4.99%	Up to 36 months
Details As Low As; Must be a current USC student or faculty or staff, USC alumni, admitted USC student, or parent of current or admitted USC student; rate includes applicable discounts (0.25% automatic loan payment discount and 0.25% PremiumSpend Checking discount) Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
GoGreen Loan	-	-	3.24%	1-2 years
Details As Low As; Financing APR* as low as; GoGreen Loan Disclosure: rate includes stackable discounts and requires at least 70% of project cost eligible under GoGreen Home Energy Financing Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
GoGreen Loan	-	-	3.74%	2-3 years
Details As Low As; Financing APR* as low as; GoGreen Loan Disclosure: rate includes stackable discounts and requires at least 70% of project cost eligible under GoGreen Home Energy Financing Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
GoGreen Loan	-	-	4.24%	4-5 years
Details As Low As; Financing APR* as low as; GoGreen Loan Disclosure: rate includes stackable discounts and requires at least 70% of project cost eligible under GoGreen Home Energy Financing Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
GoGreen Loan	-	-	5.24%	6 - 10 years
Details As Low As; Financing APR* as low as; GoGreen Loan Disclosure: rate includes stackable discounts and requires at least 70% of project cost eligible under GoGreen Home Energy Financing Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
GoGreen Loan	-	-	6.24%	11 - 15 years
Details As Low As; Financing APR* as low as; GoGreen Loan Disclosure: rate includes stackable discounts and requires at least 70% of project cost eligible under GoGreen Home Energy Financing Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
GoGreen Loan	-	-	7.49%	16 - 20 years
Details As Low As; Financing APR* as low as; GoGreen Loan Disclosure: rate includes stackable discounts and requires at least 70% of project cost eligible under GoGreen Home Energy Financing Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%
Ready Funds Loan	-	-	28.00%
Details Instant loan; minimum loan amount $200, maximum loan amount $1,500; fixed APR; application available through online or mobile banking; Online Banking channel Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 19.50% → 28.00% ▲ 8.50 pts · high 28.00% / low 19.50% Oct 10, 202628.00%▲ from 19.50% Sep 14, 202619.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.49%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

USC Credit Union’s Texas Ratio stayed near 5.18% in Q3 2023 to 5.49% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$741M	5.49%	5.0	A+
March 31, 2026	$719M	4.93%	5.0	A+
December 31, 2025	$714M	5.51%	5.0	A+
September 30, 2025	$708M	5.50%	5.0	A+
June 30, 2025	$703M	7.46%	5.0	A
March 31, 2025	$706M	4.63%	5.0	A+
December 31, 2024	$694M	4.70%	5.0	A+
September 30, 2024	$737M	3.96%	5.0	A+
June 30, 2024	$736M	4.57%	5.0	A+
March 31, 2024	$740M	3.98%	5.0	A+
December 31, 2023	$765M	4.54%	5.0	A+
September 30, 2023	$721M	5.18%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 94

Part-Time Employees 6

Branch Locations 4

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.49%

Return on Assets (ROA)

0.2420%

Return on Equity (ROE)

2.4208%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

741,133,548

Total Amount of Shares and Deposits

638,261,655

Total Shares and Deposits < 1 Year

616,994,674

Total Shares and Deposits 1 3 Years

18,622,263

Total Shares and Deposits > 3 Years

2,644,719

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

50,905,440

Total Uninsured Shares and Deposits > $250K (F+J)

60,975,206

Total Insured Shares and Deposits > $250K (item 17 less item K)

577,286,449

Total Interest Expense (Sum of items 6 8)

4,534,798

Share Certificates

4,093

Number of Accounts for Share Drafts

51,049

IRA KEOGH Accounts

986

Number of Accounts for Regular Shares

72,922

Non Member Deposits

Money Market Shares

3,926

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

24,588,474

Total Liabilities

687,980,475

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

USC Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/usc-credit-union-rates-review-68459">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for USC Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for USC Credit Union

Frequently Asked Questions About USC Credit Union

Does USC Credit Union offer CDs?

Yes. USC Credit Union current CD rates include its CD - 60 month at 4.35% APY, its CD - 36 month at 4.30% APY and its CD - 48 month at 4.30% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from USC Credit Union NCUA insured?

Yes. USC Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at USC Credit Union?

The highest USC Credit Union CD rate is its IRA 60 Month CD at 4.40% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does USC Credit Union offer?

USC Credit Union CD rates are 4.10% APY for a 12 month CD, 4.25% APY for a 2 year CD, 4.30% APY for a 3 year CD, 4.30% APY for a 4 year CD and 4.35% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with USC Credit Union for its full lineup.

What is the highest savings rate at USC Credit Union?

The highest USC Credit Union savings rate is its Smart Yield Savings at 3.55% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at USC Credit Union?

The highest USC Credit Union money market rate is its Business Money Market at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at USC Credit Union?

The highest USC Credit Union checking rate is its PremiumSpend Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at USC Credit Union?

The lowest USC Credit Union auto loan rate is its Auto Purchase Loans + Touring Motorcycles over 1200cc at 4.69% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at USC Credit Union?

The lowest USC Credit Union personal loan rate is its Personal Line of Credit - Variable Rate at 11.60% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at USC Credit Union?

The lowest USC Credit Union credit card APR is its Platinum Mastercard Credit Card at 11.90% APR, verified by MonitorBankRates as of October 30, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do USC Credit Union rates compare?

USC Credit Union's CD rates are 48% higher than the MonitorBankRates national average, and it has an A+ health rating. USC Credit Union's top rates are its IRA 60 Month CD at 4.40% APY, its SmartStart Savings at 6.00% APY, its Business Money Market at 3.25% APY, its PremiumSpend Checking at 0.05% APY, its Personal Line of Credit - Variable Rate at 11.60% APR and its Platinum Mastercard Credit Card at 11.90% APR, verified by MonitorBankRates on October 30, 2026.

Current USC Credit Union Rates

12-Month CD4.10%
24-Month CD4.25%
60-Month CD4.35%
Savings6.00%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

USC Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

USC Credit Union Texas Ratio

USC Credit Union Health Trend

USC Credit Union CD Rates

USC Credit Union Savings Rates

USC Credit Union Money Market Rates

USC Credit Union Business Money Market Rates

USC Credit Union Checking Rates

USC Credit Union Home Equity & HELOC

USC Credit Union Auto Loan Rates

USC Credit Union RV, Boat and Powersport Loan Rates

USC Credit Union Student Loan Rates

USC Credit Union Credit Card Rates

USC Credit Union Personal Loan Rates

USC Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

USC Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About USC Credit Union

Does USC Credit Union offer CDs?

Are CDs from USC Credit Union NCUA insured?

What is the highest CD rate at USC Credit Union?

What CD terms does USC Credit Union offer?

What is the highest savings rate at USC Credit Union?

What is the highest money market rate at USC Credit Union?

What is the highest checking rate at USC Credit Union?

What is the lowest auto loan rate at USC Credit Union?

What is the lowest personal loan rate at USC Credit Union?

What is the lowest credit card APR at USC Credit Union?

How many branches does USC Credit Union operate?

Is a member application needed to join USC Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does USC Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do USC Credit Union rates compare?

Current USC Credit Union Rates

Compare to Other Credit Unions