Gold
Checking

Earn easy interest and the benefits of member-ownership.

Earn interest while you enjoy more access with this interest-bearing checking account. Gold Checking pays you dividends with a minimum daily balance of just $750.* Go gold and get these perks and more:

  • Interest-bearing checking account
  • Five free non-shared network ATM transactions per month*
  • 30,000 fee-free ATMs and Shared Branches 
  • Flexible ways to pay with debit card, Zelle®, and Virtual Wallet payments
  • Free Online Banking

Gold Checking

Rates accurate as of 8/29/2025
All rates and terms subject to change without notice.

Dividend and APY rates for Gold Checking accounts
Dividend RateAPY*
0.020%0.02%

*$750 minimum balance to obtain APY.

Low minimum. More interest. Easy access.

Go with Gold and get a checking account that pays you back. Open in minutes online or at any branch.

USC Credit Union is a great way to build your credit while managing your money. Your checking/savings accounts are low cost, and you provide great loan rates.

-Lena

  • Debit Cards

    Go cashless! Your Debit/ATM card lets you access the funds in your checking account with one quick swipe.

  • Savings Accounts

    The best savings account is one that protects your financial well-being. USC Credit Union gives you a choice of four, plus the reliability, flexibility and convenience of being a member.

  • IRAs

    Invest in your future. Make tax-deductible annual contributions with a traditional Individual Retirement Account (IRA). Earn tax-free, compounded growth with a Roth IRA.

    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.

      Read Full Article

      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.

      Read Full Article

      Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires

    • Fire Relief Resources Fire Relief Resources

      Los Angeles Wildfire Relief Resources

      Read Full Article

      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.

      Read Full Article

      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.

      Read Full Article

      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.

      Read Full Article

      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!

      Read Full Article

      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.

      Read Full Article

      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!

      Read Full Article

      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.

      Read Full Article

      Celebrating the Holidays with Student Debt

      *$5 monthly service charge applies if daily checking balance falls below $750 (or $3,500 when combined with savings). View our Schedule of Fees for details on any fees you may incur.

      U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

      When using Zelle®, only send money to those you trust. If the recipient is already enrolled with Zelle®, you can’t cancel a payment once it’s been sent. Neither USC Credit Union nor Zelle® offers a protection program for authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected. If you are asked to send yourself money with Zelle® or are asked to provide your Zelle® credentials, don’t click on text message links or call the number that contacted you. Do not share your Zelle® and any other passwords with anyone.

      Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.