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Savings Accounts
The best savings account is one that adds up to your best financial health.
Your savings goals are your own, and the way you choose to meet them is up to you. Benefit from the best of both worlds with a checking and savings account, and make saving money a regular habit.
Benefits:
- Have funds on hand for emergencies and unplanned expenses
- Peace of mind knowing your money is insured
- Earn interest on your savings and watch them grow
- Pay your bills on time with the convenience of online Bill Pay
- Bank on the go with free Mobile and Online Banking
- Access a network of 30,000 fee-free ATMs and 5,000 shared branch locations
Regular Savings
The basics only better.
The starter savings account for every USC Credit Union member, Regular Savings opens the door to a wealth of value-added products and services.
- $10 minimum deposit to open (includes one-time $9 membership fee)1
- Higher dividends on balances of $25 or more
APY is accurate as of 6.10.2026
Rates as high as:
0.05%
Money Market Accounts
High-interest savings account with easy access.
Keep your earnings high and your assets liquid with a USC Credit Union Money Market account.3
- Choose your initial minimum deposit: $2,500 or $10,000
- 6 withdrawals per month
APY is accurate as of 6.10.2026
Rates as high as:
2.25%
Share Certificates
Lock in our best yields on your terms.
Similar to CDs, share certificates earn credit union shareholders a guaranteed return when you lock in for a specific term.
- $1,000 – $50,000 deposits
- 3-month to 5-year terms
APY is accurate as of 6.10.2026
Rates as high as:
3.50%
Which savings account is right for you?
 Regular Savings |  Money Market |  Value + Money Market |  Share Certificates | |
|---|---|---|---|---|
| The right fit for… | First-time savers (and a must-have for membership) | Savers who want liquidity | Advanced savers | Serious investors who don’t need immediate liquidity |
| Deposit & Balance Requirements | $9 membership fee + $1 min initial deposit. Monthly fee waived w/$100 combined daily balance in all accounts, under age 25, USCCU loan, or at least $25 monthly deposit. | $2,500 minimum initial deposit | $10,000 minimum initial deposit and daily balance | $1,000 – $50,000 deposits, three-month to five-year terms. No monthly service charge. |
| Dividends/Interest | Paid quarterly | Tiered dividend structure rewards higher balances with higher yields | Higher dividends than a regular Money Market account | Our highest dividends |
| Accessibility | Access funds with ATM card. | Access funds via Online Banking, checks or ATM. | Access funds via Online Banking, checks or ATM. | None for length of term. Early withdrawal penalties apply. |
| Learn More about Regular Savings | Learn More about Money Market | Learn More about Value + Money Market | Learn More about Share Certificates |
Certificate Savings Calculator
$32,850.18 Your total balance
Interest earned by month 15:
- Your earnings$11847.00
- Compared APY$3030.44
Total interest earned = $12850.18
Let’s chat.
Need help deciding on a personal savings account? Talk to a member associate. We’re always here to lend an ear and all the guidance you need.
I've been with USC Credit Union for many years, and now in retirement always been taken care of.
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*Disclosures
1$3 monthly fee assessed if combined average in all savings, checking, money market, certificate and IRA accounts falls below $100 and account holder has no outstanding USC Credit Union loan balances. Fee waived if under age 25 or one monthly $25 deposit occurs.
2Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. Two free non-shared network ATM transactions per month with Student Checking, five free with Gold Checking, unlimited with Trojan Checking. When you use an ATM not displaying the USCCU or Co-Op ATM symbols, the ATM owner may charge additional fees. View our Schedule of Fees for details on any fees you may incur.
3View our Schedule of Fees for details on Money Market account fees.
4Contributions are not tax-deductible and are limited to $2,000 annually. Available only to single taxpayers with adjusted gross income (AGI) levels of $95,000 or below and married taxpayers with AGI of $190,000 or below.
USCCU pays a bonus rate on all certificates over $50,000. Please refer to the USCCU Truth-in-Savings disclosures for complete information on account terms and related conditions. Early withdrawal penalties apply. IRS penalties may apply for premature withdrawals in addition to an early withdrawal penalty. Please consult your tax professional for more information. Federally insured by National Credit Union Administration (NCUA).