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Secured Mastercard®
Build your financial future on a solid credit history.
Build or rebuild your credit responsibly with USC Credit Union’s Secured Mastercard. Make an initial deposit equal to your credit line in a secured USC Credit Union savings account, and you’ll be on your way to a solid score in no time.
- No application or annual fees
- No foreign transaction fees
- Credit limits from $500 – $5,000
- No Social Security Number (SSN) or ITIN required for USC international students to apply1
- ID Theft Protection™ fraud monitoring, alerts and assistance2
- Zero Liability Protection against unauthorized card purchases3
- Global Service for emergency replacement anywhere, in any language
Debt Protection. You can’t control everything in life – but you can help protect your finances with Debt Protection. Cancel your loan balance or payments in the event of involuntary unemployment, disability, or death. Coverage is customizable and voluntary, and it’s simple to apply.
Get the credit cards members love.
Affordable rates, rewards, credit cards to build credit – you’ll find it all at USC Credit Union.
Low credit card rates and convenient for having Zelle available in my app.
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
1Cosigner will boost chances of being approved.
2Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD.
3Conditions and exceptions apply. Learn more about Zero Liability.
*APR (Annual Percentage Rate) is effective 11.14.2024 and is subject to change. Your regular rate is 13.99%. Upon approval, a Secured Savings Account will be established in the amount of the card limit. The minimum approved credit line is $500, and the maximum approved credit line is $5,000. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. Rates and terms are subject to change without notice. Click here for full disclosure.