Online Banking Login
Get Our App:
SearchFinancial Wellness
Financial Wellness
Your home base to build financial literacy and well-being.
Make this the year you pay down debt, become a first-time home buyer or take that big life step and retire. Your money goals matter, and they’re still well within reach with USC Credit Union. We’ve partnered with GreenPath to offer free money management and financial education services that put you on a stronger financial path.
LearningLab+
Participate in interactive and engaging online courses to improve your financial habits, manage your checking account, increase your credit score, navigate homebuying, and more!
Credit Report Review
Staying on top of your credit report is an important financial wellness checkup. Learn how to read your credit report, how a score is calculated, and ways to improve your score.
Debt Management Plans
Sometimes, life doesn’t go as planned, but with the help of a debt management plan, you can get back on track and well on your way to planning a better and brighter financial future.
Investment Planning Services
We’ve partnered with CFS Financial Advisor*, Rick Hoskins, who can work closely with you, no matter where you are, to create and implement investment plans that help achieve your unique goals and long-term objectives.
Financial Counseling
Access to free, one-on-one financial counseling delivered by certified experts who will help you to understand your situation, learn about options, and make a plan to meet your goals.
Student Loan Counseling
Understand repayment options that can postpone or lower your payments. Learn the pros and cons of each strategy so you can make an informed decision on which is best for you.
Housing Counseling
Talk to a housing expert to help you understand the homebuying or refinance process. You can also take advantage of foreclosure prevention services and rental counseling.
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
*Investments offered through CUSO Financial Services, L.P (“CFS”) (Member FINRA / SIPC) Not FDIC Insured. Not a Bank Guarantee or Obligation. Not a Deposit. May Lose Value. Non-Deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment representatives are registered through CFS. USC Credit Union has contracted with CFS to make non-deposit investment products and services available to USC Credit Union members.