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 11/14/2024
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

    • 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.

      Read Full Article

      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?

      Read Full Article

      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.

      Read Full Article

      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.

      Read Full Article

      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!

      Read Full Article

      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.

      Read Full Article

      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.

      Read Full Article

      ‘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.

      Read Full Article

      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. 

      Read Full Article

      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.

      Read Full Article

      USC Credit Union Member Michael Broughton Makes Forbes 30 Under 30 List

      *$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.