Iniciar Sesión en la Banca en Línea
Busca
IRA Tradicional
Se dueño de tu futuro con una cuenta IRA Tradicional.
Invierte para los años venideros con aportaciones deducibles de impuestos a una cuenta de jubilación individual, IRA. Opta por una cuenta IRA tradicional si prevés que su tramo impositivo será el mismo o inferior cuando empieces a retirar dinero. Ahorra poco a poco, empezando con un saldo mínimo de $100 (Ahorros) o $1,000 (Certificado de Depósito). Aporta ingresos o remuneraciones de cualquier tipo, y ve cómo tus aportaciones crecen con impuestos diferidos. Es tu futuro. Se dueño de él.
- No pagues ningún cargo mensual por servicio
- Ábrela con un saldo mínimo de $100 (Ahorros) o $ 1,000 (Certificado de Depósito)
- Obtén una tasa de bonificación en certificados de $50,000 o más*
- Aporta hasta $7,000 por año si tienes menos de 50 años, $8,000 si tienes más de 50 años
- Realiza aportaciones a cualquier edad con ingresos procedentes del trabajo que reúnan los requisitos
- Disfruta de retiros sin penalización después de los 59 ½ años
- Comienza las distribuciones mínimas obligatorias (RMD) a los 73 años
Socios: Envíen un mensaje seguro a través de la banca en línea, llámanos o visita una sucursal para abrir tu nueva cuenta.
IRA Rates
Tasas precisas a partir de 6/10/2026
Todas las tasas y términos están sujetos a cambios sin previo aviso.
| 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).
Invierte para los años venideros con una cuenta IRA.
Aumenta tus ahorros para la jubilación con impuestos diferidos. Abre una cuenta IRA tradicional, en línea o en cualquier sucursal.
Socios: Envíen un mensaje seguro a través de la banca en línea, llámanos o visita una sucursal para abrir tu nueva cuenta.
Ha sido miembro desde 2009. Este es un gran lugar para realizar operaciones bancarias… y tienen buenos planes de jubilación.
Recursos Educativos
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
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
Presupuesta: Tu Mejor Aliado en Momentos de Deuda
With the right tools, strategies, and mindset, you can transform budgeting from a chore into a powerful ally against debt.
Presupuesta: Tu Mejor Aliado en Momentos de Deuda
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
Identity Theft Identity Theft
The Rise of Card Skimming and How to Fight It
Skimming is a persistent and evolving threat, but by being aware and taking preventative measures, we can fight against compromised cards and protect our financial well-being. Read this guide for tips and signs to watch out for.
The Rise of Card Skimming and How to Fight It
Fraud Awareness Fraud Awareness
Recognizing Text Scams
Does this sound familiar? «Did you attempt a payment for $3,000? Reply YES or NO.» If so, you're not alone. Financial institution impersonations are the most common text scams and usually include bogus fraud warnings and transfer alerts. Follow these tips to help you identify potential scams and keep your personal information safe and secure.
Recognizing Text Scams
*USC Credit Union paga una tasa de bonificación en la mayoría de los certificados de más de $50,000. La tasa de bonificación está excluida de las ofertas de certificados promocionales. Por favor consulta las divulgaciones de USC Credit Union Truth-in-Savings, que se encuentra en la banca en linea, para obtener información completa sobre los términos de la cuenta y las condiciones relacionadas. Se aplican penalidades por retiro anticipado. Pueden aplicarse multas del IRS por retiros prematuros, además de una multa por retiro anticipado. Consulta a tu asesor fiscal para obtener más información. Asegurado federalmente por la Administración Nacional de Cooperativas de Crédito (NCUA).