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Become a Member-Owner
Get ready to experience financial services for people, not for profit.
Everything you need for your finances and outstanding customer service. Finally, you don’t need a lot of cash to have access to be a member.
Why Join USC Credit Union?
In a word: benefits.
When you join USC Credit Union, you become part of a cooperative created for one purpose – to improve the lives of our members and the communities we serve. Membership entitles you to benefits unique to credit unions, including:
Savings. Be an owner, not a number, pay fewer fees and interest, and earn higher deposit yields. Because we’re member-owned, we don’t have shareholders, so we pass our profits on to you.
Family Membership for Life. Once you become a member, you’re part of our family, and the rest of the family is too! Your immediate family and household members are eligible for membership. Best of all, once a member, you’re a member for life.
Personal Attention. USC Credit Union is the only financial institution dedicated to serving USC and surrounding communities. We enjoy getting to know our members and giving you the exceptional experience you deserve.
You’re Part of Something Bigger. Co-ops are democratic institutions, controlled and operated by members’ best interests. Whether you have $5 or $50,000 in your account, you have the same say as any other member in determining the direction of the credit union.
Convenient Access. Access your money any way you choose whenever you want – in person, online, mobile, or via one of our 30,000 ATMs & 5,000 branches nationwide. Walk into a participating branch in Los Angeles, Orlando, and anywhere between.
Comprehensive Products & Services. Membership means access to a full range of affordable products and services, from checking and savings accounts to personal loans, credit cards, home loans, insurance, and retirement savings.
What You’ll Need to Join
- Copy of government-issued ID with valid signature
- State-issued Driver’s License or Identification Card OR,
- Passport Booklet (Must include signature page)
- Your Social Security Number, if you have one
- Account number from current financial institution (if making opening deposit electronically). The name on this account must match the name on your new USC Credit Union account.
In addition to the information above, we’ll need the following based on your institution:
USC Students: USC Student ID Number (can be found on your ID card or admissions letter)
City of Los Angeles or Orange County Student (Non-USC): Proof of current enrollment, i.e, Official transcript showing enrolled classes for current semester; Receipt of tuition payment for current semester; Admissions letter
- Copy of government-issued ID with valid signature
- State-issued Driver’s License or Identification Card OR,
- Passport Booklet (Must include signature page)
- Your Social Security Number, if you have one
- USC Employee ID Number
- Account number from current financial institution (if making opening deposit electronically). The name on this account must match the name on your new USC Credit Union account.
- Copy of government-issued ID with valid signature
- State-issued Driver’s License or Identification Card OR,
- Passport Booklet (Must include signature page)
- Your Social Security Number, if you have one
- USC Alumni Association Number
- Account number from current financial institution (if making opening deposit electronically). The name on this account must match the name on your new USC Credit Union account.
- Copy of government-issued ID with valid signature
- State-issued Driver’s License or Identification Card OR,
- Passport Booklet (Must include signature page)
- Your Social Security Number, if you have one
- Matricula Consular or Individual Taxpayer Identification Number (ITIN) accepted in lieu of SSN
- Proof of membership eligibility, if address on government-issued ID is not in the city of Los Angeles or eligibility is based on employment or place of worship. One of the following:
- Paycheck stub (within 30 days of issuance with visible employer’s address)
- Utility bill (gas, water, electric)
- Lease/rental agreement or mortgage statement
- Voter registration card
- Letter from employer on letterhead (within 30 days of issuance with visible employer’s address)
- Letter from place of worship on letterhead (with visible name and address) verifying that the individual is a member of the congregation
- Copy of government-issued ID with valid signature
- State-issued Driver’s License or Identification Card OR,
- Passport Booklet (Must include signature page)
- Your Social Security Number, if you have one
- Matricula Consular or Individual Taxpayer Identification Number (ITIN) accepted in lieu of SSN
- Proof of membership eligibility, if address on government-issued ID is not in Orange County or eligibility is based on employment or place of worship. One of the following:
- Paycheck stub (within 30 days of issuance with visible employer’s address)
- Utility bill (gas, water, electric)
- Lease/rental agreement or mortgage statement
- Voter registration card
- Letter from employer on letterhead (within 30 days of issuance with visible employer’s address)
- Letter from place of worship on letterhead (with visible name and address) verifying that the individual is a member of the congregation
- Copy of government-issued ID with valid signature
- State-issued Driver’s License or Identification Card OR,
- Passport Booklet (Must include signature page)
- Your Social Security Number, if you have one
- Matricula Consular or Individual Taxpayer Identification Number (ITIN) accepted in lieu of SSN
- Account number from current financial institution (if making opening deposit electronically). Name on account must match name on new USC Credit Union account.
- Completed Sponsor’s Certificate.
Join our community!
Be an owner, not just a customer. Experience all the benefits of USC Credit Union membership.
Educational Resources
Home Loan Advice
How much down payment is normally required to buy a home?
For many people, buying a home is one of the most significant financial decisions they will make in their lifetime. One of the key considerations in this process is the down payment, which is the amount of cash that a buyer pays upfront toward the purchase price. While the amount of the down payment required can vary depending on several factors, it is an essential component of the home-buying process.
How much down payment is normally required to buy a home?
Credit Unions
Why Do Credit Unions Have Better Rates?
There’s a reason more than 130 million people belong to a credit union. Individuals choose credit unions over traditional banks for higher dividend rates, minimal account fees, and lower interest rates on loan products. But how can a small army of 5,000+ federally insured credit unions offer these benefits and a host of other financial benefits to everyday consumers?
Why Do Credit Unions Have Better Rates?
Students
Understanding Financial Aid Award Letters
You’ve received your college acceptance letters – congratulations! If you’ve been accepted to multiple schools, one of the biggest determining factors for your final choice may be the out of pocket cost for each option. Along with your acceptance letters, you should receive an award letter outlining the financial aid for which you are eligible at each college. Here are some important definitions you should know.
Understanding Financial Aid Award Letters
Credit Unions
What is the difference between a credit union and a bank?
When it comes to managing your finances, you have several options available to you, including banks and credit unions. While both offer similar financial products and services, there are some key differences between the two that can affect your decision about which one to choose.
What is the difference between a credit union and a bank?
Fraud Awareness
5 Pinch-Proof Tips to Prevent Scams & Fraud
Don't let scams and fraud catch you off guard this St. Patrick's Day. Protect your identity and money with these 5 pinch-proof tips!
5 Pinch-Proof Tips to Prevent Scams & Fraud
Borrower Advice
Free Auto Buying eBook
This eBook will give you everything you need to know before buying a car. Learn how to be a savvy car shopper so you don’t get taken for a ride. We’ll arm you with knowledge of financing, interest rates, terms, and more. Be prepared, so you can drive off the lot with confidence.
Free Auto Buying eBook
Home Loan Advice
‘Pre-qualified’ and ‘pre-approved’ for a loan – what’s the difference?
As a home buyer, knowing the difference between being pre-qualified and pre-approved is an important step in the mortgage process. Making your decision on which one to choose starts with understanding the definition of each of those terms.
‘Pre-qualified’ and ‘pre-approved’ for a loan – what’s the difference?
Protecting What You Value
Debt Protection
If the unexpected happens, you don’t want to be compounded by financial worry. With Debt Protection, you may cancel your loan balance or payments in the event of involuntary unemployment, disability, or death.
Debt Protection
Student Loans
Consolidation vs. Refinancing Student Loans
Student loan consolidation and refinancing are two options available to borrowers looking to manage their student loan debt. We break down the differences between loan consolidation and refinancing, discuss the eligibility requirements, and help you determine which option is best for your financial situation.
Consolidation vs. Refinancing Student Loans
News
USC Credit Union Member Michael Broughton Makes Forbes 30 Under 30 List
On November 29, 2022, Forbes honored Altro Cofounder/CEO and USC Credit Union board member Michael Broughton with a selection to its prestigious “30 Under 30” list for 2023.
USC Credit Union Member Michael Broughton Makes Forbes 30 Under 30 List