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Traditional IRA
Own your future with an IRA.
Invest for the years ahead with tax-deductible contributions to an individual retirement account. Save a little at a time and watch your contributions grow tax-deferred until you withdraw them. It’s your future. Own it.
- Pay no monthly service charge
- Open with $100 minimum balance (Share) or $1,000 (Certificate)
- Contribute up to $7,000 per year if you’re under 50, $8,000 if over 50
- Earn a bonus rate on certificates over $50,0002
- Make contributions at any age with qualifying earned income
- Enjoy penalty-free withdrawals after age 59 ½
- Start Required Minimum Distributions (RMDs) at 73
IRA Rates
Rates accurate as of 6/10/2026
All rates and terms subject to change without notice.
| Type | Dividend Rate | APY* |
|---|---|---|
| IRA Share ($100 minimum) | 0.200% | 0.20% |
| 12 Months ($1,000 minimum) | 3.494% | 3.55% |
| 24 Months ($1,000 minimum) | 3.251% | 3.30% |
| 36 Months ($1,000 minimum) | 3.494% | 3.55% |
| 48 Months ($1,000 minimum) | 3.494% | 3.55% |
| 60 Months ($1,000 minimum) | 3.494% | 3.55% |
*APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Fees may reduce earnings. Rates may vary after account is opened. Federally insured by National Credit Union Administration (NCUA).
Invest for the years ahead with an IRA.
Grow your retirement savings tax deferred. Open a Traditional IRA account, online or at any branch.
I’ve been with USC Credit Union for many years, and now in retirement always been taken care of.
Educational Resources
News News
Juntos Avanzamos’ Designation Bolsters Inclusion at USC Credit Union
Read the original press release at: https://www.ccul.org/news/juntos-avanzamos-designation-bolsters-inclusion-at-usc-cu/
On Monday, USC Credit Union proudly hosted a proclamation ceremony that officially marked its designation as a Juntos Avanzamos (“Together We Advance”) credit union. This national recognition, led by Inclusiv, highlights the credit union’s commitment to fostering financial inclusion, accessibility, and cultural services specifically for Latino and immigrant communities.
Juntos Avanzamos’ Designation Bolsters Inclusion at USC Credit Union
Credit Unions Credit Unions
Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires
Credit unions across the country have rallied together to support residents of Los Angeles County affected by the catastrophic Eaton and Pacific Palisades fires.
Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires
Fire Relief Resources Fire Relief Resources
Los Angeles Wildfire Relief Resources
Los Angeles Wildfire Relief Resources
News News
2024 Charity Challenge: USC Credit Union vs. Notre Dame FCU
This year’s Charity Challenge brings USC Credit Union and Notre Dame FCU together to support a cause bigger than the game itself. Each credit union has pledged $5,000, and the stakes are high: the winner of the Notre Dame vs. USC football game on November 30 will decide which charity receives a boosted $10,000 donation.
2024 Charity Challenge: USC Credit Union vs. Notre Dame FCU
News News
USC Credit Union Celebrates Success with The RightWay Foundation: Empowering Foster Youth through Financial Literacy
USC Credit Union is proud to announce the successful conclusion of a transformative 10-month financial literacy program in partnership with The RightWay Foundation.
USC Credit Union Celebrates Success with The RightWay Foundation: Empowering Foster Youth through Financial Literacy
Investments Investments
High-Yield Business Savings Accounts: Consider a Credit Union!
Are you looking to make your business’s savings work harder? High-yield savings accounts (HYSA) and high-yield money market accounts (MMA) can help grow your business savings at a competitive interest rate. It’s just one way to beat inflation while growing your funds for the future.
High-Yield Business Savings Accounts: Consider a Credit Union!
Credit Unions Credit Unions
Business Accounts at Credit Unions vs. Banks
Choosing the right financial partner for your business isn’t always easy. Many traditional banks come with high fees, rigid rules, and one-size-fits-all services that might not fit your business needs. Business credit unions, like USC Credit Union, shine by offering competitive business bank accounts that often have better terms and more flexibility than traditional banks!
Business Accounts at Credit Unions vs. Banks
Managing Debt Managing Debt
Budgeting: Your Best Partner When In Debt
With the right tools, strategies, and mindset, you can transform budgeting from a chore into a powerful ally against debt.
Budgeting: Your Best Partner When In Debt
Student Loans Student Loans
Smart Student Loan Repayment Tips for 2024
Navigating student loan repayment can be challenging, but 2024 brings new opportunities to ensure you’re on the right track towards financial freedom!
Smart Student Loan Repayment Tips for 2024
Student Loans Student Loans
Celebrating the Holidays with Student Debt
The holidays are a time of joy and giving, but for many of us managing student loan repayments, it can also be a season of financial stress. But with a bit of planning, creativity, and focus on what truly matters to you this season, it’s possible to find holiday cheer without breaking the bank.
Celebrating the Holidays with Student Debt
*USC Credit Union pays a bonus rate on most certificates over $50,000. Bonus rate is excluded from promotional certificate offers. Please refer to the USC Credit Union 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).