Regular Savings
Get the basics, only better.
The starter savings account for every USC Credit Union member that opens the door to a wealth of value-added products and services. 24/7 access via thousands of ATMs and shared branches or online banking, mobile banking or phone. Flexible savings account interest rates help your deposits grow.
- 24/7 deposits and withdrawals
- Easy access via ATM, online banking, mobile banking or phone
- $10 minimum deposit (includes one-time $9 membership fee)
- No monthly service charge1
- Earn dividends on balances of $25 or more
Members: Log in to your member portal, call us, or visit a branch to open your new account.
Non-Members: Apply for membership to get started.
Regular Share and Club*
Rates accurate as of 6/10/2026
All rates and terms subject to change without notice.
| Balance | Dividend Rate | APY |
|---|---|---|
| $25-$99.99 | 0.050% | 0.05% |
| More than $99 | 0.050% | 0.05% |
*$9 membership fee required plus $1 deposit to open. Fees may reduce earnings. APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date.
Your savings opportunities start here.
Looking for a great starter savings account? Open a Share Savings account with just $10, online or at any branch.
Hassle-free account opening. Great rates on savings accounts.
-Ankita
Checking Accounts
Free ATMs. Free Online Banking. USC Credit Union checking accounts give you perks and plenty of choices from our no-fee basic to interest-bearing accounts.
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.
Family Membership
Already a member? Extend the benefits of USC Credit Union membership to everyone in your immediate family or household – they’re all invited to become a member owner!
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.

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.

Credit Unions Unite to Aid Los Angeles County Residents Affected by Wildfires
Fire Relief Resources Fire Relief Resources
Los Angeles Wildfire Relief Resources

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.

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
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.

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!

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
1$3 monthly fee is assessed if the combined average in all savings, checking, money market, certificate and IRA accounts falls below $100 and account holder has no outstanding USC Credit Union loan balances. Fee waived if under age 25 or one monthly $25 deposit occurs.



