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USC Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 10, 2026
USC Credit Union's top rates as of October 10, 2026 are 3.84% APY on its IRA 12 Month CD, 6.00% APY on savings, 3.25% APY on money market accounts, 0.05% APY on checking, personal loans from 11.60% APR, and credit cards from 11.90% APR, according to rates verified by MonitorBankRates. Other USC Credit Union CD rates include IRA 60 Month CD at 3.80%, 12 Month CD at 3.79%, and 60 Month CD at 3.75%. MonitorBankRates evaluates the financial stability of USC Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.49%. Rates last updated and verified on 10/10/2026.
USC Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at USC Credit Union? Share your experience about USC Credit Union by leaving a review below, or read customer reviews before you decide to use USC Credit Union.
USC Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
USC Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
5.49%
ExcellentLower than avg
USC Credit Union Texas Ratio
USC Credit Union's Texas Ratio is 5.49%, which is considered excellent and is lower than the national average of 6.13%.
USC Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
5.18% to 5.49% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
USC Credit Union CD Rates
Product
Rate
APY
Term
View More
IRA 12 Month Certificate
3.775%
3.84%
12 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
IRA 60 Month Certificate
3.735%
3.80%
60 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
12 Month Share Certificate
3.727%
3.79%
12 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
60 Month Share Certificate
3.687%
3.75%
60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
IRA 48 Month Certificate
3.687%
3.75%
48 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
48 Month Share Certificate
3.639%
3.70%
48 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
IRA 24 Month Certificate
3.639%
3.70%
24 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
IRA 36 Month Certificate
3.639%
3.70%
36 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
24 Month Share Certificate
3.59%
3.65%
24 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
36 Month Share Certificate
3.59%
3.65%
36 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
6 Month Share Certificate
3.445%
3.50%
6 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
3 Month Share Certificate
3.203%
3.25%
3 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
USC Credit Union Savings Rates
Product
Rate
APY
View More
SmartStart Savings
5.827%
6.00%
Min Balance$0
DetailsBalance: $0.01 - $1,000
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 6.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Smart Yield Savings
3.494%
3.55%
Min Balance$100,000
DetailsBalance: $100,000+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Smart Yield Savings
3.203%
3.25%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Smart Yield Savings
2.716%
2.75%
Min Balance$10,000
DetailsBalance: $10,000 - $49,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Smart Yield Savings
1.736%
1.75%
Min Balance$1
DetailsBalance: $1 - $9,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
SmartStart Savings
1.489%
1.50%
Min Balance$1,000
DetailsBalance: $1,000.01 and above
Last Updated10/10/2026
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
IRA Savings
0.20%
0.20%
Min Deposit$100
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Smart Yield Savings
0.15%
0.15%
DetailsNon-qualifying balances
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Regular Share and Club Savings Accounts
0.05%
0.05%
Min Balance$25
DetailsBalance: $25-$99.99
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Regular Share and Club Savings Accounts
0.05%
0.05%
Min Balance$100
DetailsBalance: More than $99
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
USC Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.05%
0.05%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
USC Credit Union Money Market Rates
Product
Rate
APY
View More
Value+ Money Market
1.982%
2.00%
Min Balance$100,000
DetailsBalance: $100,000 to $249,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Value+ Money Market
1.982%
2.00%
Min Balance$250,000
DetailsBalance: $250,000 to $499,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Value+ Money Market
1.982%
2.00%
Min Balance$500,000
DetailsBalance: $500,000 to $999,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Value+ Money Market
1.982%
2.00%
Min Balance$1,000,000
DetailsBalance: $1 million and over
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 2.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Value+ Money Market
1.785%
1.80%
Min Balance$50,000
DetailsBalance: $50,000 to $99,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Value+ Money Market
1.292%
1.30%
Min Balance$10,000
DetailsBalance: $10,000 to $24,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.30% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Value+ Money Market
1.292%
1.30%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 1.30% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Money Market Account
0.797%
0.80%
Min Balance$50,000
DetailsBalance: $50,000-$99,999
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 0.65% → 0.80% ▲ 0.15 pts · high 0.80% / low 0.65%
Sep 18, 20260.80%▲ from 0.65%
Sep 14, 20260.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Money Market Account
0.797%
0.80%
Min Balance$100,000
DetailsBalance: $100,000+
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 0.65% → 0.80% ▲ 0.15 pts · high 0.80% / low 0.65%
Sep 18, 20260.80%▲ from 0.65%
Sep 14, 20260.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Money Market Account
0.648%
0.65%
Min Balance$10,000
DetailsBalance: $10,000-$49,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Money Market Account
0.598%
0.60%
Min Balance$2,500
DetailsBalance: $2,500-$9,999
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Money Market Account
0.10%
0.10%
Min Balance$0
DetailsBalance: $0-$2,499.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Value+ Money Market
0.10%
0.10%
Min Balance$0
DetailsBalance: $0-$9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
USC Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
3.203%
3.25%
Min Balance$0
DetailsBalance: $0 to $9,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Business Money Market
3.203%
3.25%
Min Balance$10,000
DetailsBalance: $10,000 to $49,999
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Business Money Market
3.203%
3.25%
Min Balance$50,000
DetailsBalance: $50,000+
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
USC Credit Union Checking Rates
Product
Rate
APY
View More
PremiumSpend checking
0.05%
0.05%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
USC Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity GoGreen Loan
-
-
4.24%
4-5 years
DetailsAs low as
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99%
Oct 2, 20264.24%▲ from 3.99%
Sep 14, 20263.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Home Equity GoGreen Loan
-
-
5.24%
6 - 10 years
DetailsAs low as
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.49% → 5.24% ▲ 0.75 pts · high 5.24% / low 4.49%
Oct 2, 20265.24%▲ from 4.49%
Sep 14, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Home Equity GoGreen Loan
-
-
6.24%
11 - 15 years
DetailsAs low as
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.49% → 6.24% ▲ 0.75 pts · high 6.24% / low 5.49%
Oct 2, 20266.24%▲ from 5.49%
Sep 14, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Interest Only HELOC
-
-
6.90%
DetailsAs Low As; Interest Only HELOC
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.65% → 6.90% ▲ 0.25 pts · high 6.90% / low 6.65%
Sep 18, 20266.90%▲ from 6.65%
Sep 14, 20266.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Traditional HELOC
-
-
6.90%
DetailsAs Low As; Traditional HELOC
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.65% → 6.90% ▲ 0.25 pts · high 6.90% / low 6.65%
Sep 18, 20266.90%▲ from 6.65%
Sep 14, 20266.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Home Equity GoGreen Loan
-
-
7.49%
16 - 20 years
DetailsAs low as
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99%
Oct 2, 20267.49%▲ from 6.99%
Sep 14, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
USC Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Purchase Loans + Touring Motorcycles over 1200cc
-
-
4.69%
36 Months
Details100% Financing
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.44% → 4.69% ▲ 0.25 pts · high 4.69% / low 4.44%
Oct 10, 20264.69%▲ from 4.44%
Sep 14, 20264.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Auto Purchase Loans + Touring Motorcycles over 1200cc
-
-
4.94%
48 Months
Details100% Financing
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.69% → 4.94% ▲ 0.25 pts · high 4.94% / low 4.69%
Oct 10, 20264.94%▲ from 4.69%
Sep 14, 20264.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Auto Purchase Loans + Touring Motorcycles over 1200cc
-
-
5.19%
60 Months
Details100% Financing
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.94% → 5.19% ▲ 0.25 pts · high 5.19% / low 4.94%
Oct 10, 20265.19%▲ from 4.94%
Sep 14, 20264.94%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Auto Purchase Loans + Touring Motorcycles over 1200cc
-
-
5.44%
72 Months
Details100% Financing
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.19% → 5.44% ▲ 0.25 pts · high 5.44% / low 5.19%
Oct 10, 20265.44%▲ from 5.19%
Sep 14, 20265.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Auto Purchase Loans + Touring Motorcycles over 1200cc
-
-
5.94%
84 Months
Details100% Financing
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.69% → 5.94% ▲ 0.25 pts · high 5.94% / low 5.69%
Oct 10, 20265.94%▲ from 5.69%
Sep 14, 20265.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
USC Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boats & RVs Loan
-
7.69%
48 - 180 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.69% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Motorcycles 1200cc or less, E-Bikes, & Other Consumer Goods Loan
-
8.69%
36 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 8.44% → 8.69% ▲ 0.25 pts · high 8.69% / low 8.44%
Oct 10, 20268.69%▲ from 8.44%
Sep 14, 20268.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Motorcycles 1200cc or less, E-Bikes, & Other Consumer Goods Loan
-
8.94%
48 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 8.69% → 8.94% ▲ 0.25 pts · high 8.94% / low 8.69%
Oct 10, 20268.94%▲ from 8.69%
Sep 14, 20268.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Motorcycles 1200cc or less, E-Bikes, & Other Consumer Goods Loan
-
9.19%
60 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 8.94% → 9.19% ▲ 0.25 pts · high 9.19% / low 8.94%
Oct 10, 20269.19%▲ from 8.94%
Sep 14, 20268.94%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Motorcycles 1200cc or less, E-Bikes, & Other Consumer Goods Loan
-
9.44%
72 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 9.19% → 9.44% ▲ 0.25 pts · high 9.44% / low 9.19%
Oct 10, 20269.44%▲ from 9.19%
Sep 14, 20269.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
USC Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
Student Loan Refinance
-
-
4.99%
120 Months
DetailsFixed APR
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Student Loan Refinance
-
-
5.54%
120 Months
DetailsVariable APR
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 5.54% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Student Loan Refinance
-
-
5.79%
180 Months
DetailsFixed APR
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 5.59% → 5.79% ▲ 0.20 pts · high 5.79% / low 5.59%
Oct 10, 20265.79%▲ from 5.59%
Sep 14, 20265.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Student Loan Refinance
-
-
6.54%
180 Months
DetailsVariable APR
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.54% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
USC Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Mastercard
-
11.90%
DetailsVariable as low as
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 11.65% → 11.90% ▲ 0.25 pts · high 11.90% / low 11.65%
Oct 10, 202611.90%▲ from 11.65%
Sep 14, 202611.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Platinum Rewards Mastercard
-
13.90%
DetailsVariable as low as
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 13.65% → 13.90% ▲ 0.25 pts · high 13.90% / low 13.65%
Oct 10, 202613.90%▲ from 13.65%
Sep 14, 202613.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Student Rewards Mastercard
-
13.90%
DetailsVariable as low as
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 13.65% → 13.90% ▲ 0.25 pts · high 13.90% / low 13.65%
Oct 10, 202613.90%▲ from 13.65%
Sep 14, 202613.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Secured Mastercard (Fixed)
-
13.99%
DetailsFixed
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 13.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
USC Credit Union Personal Loan Rates
Product
APR
Term
View More
Variable Rate Personal Line of Credit
11.60%
DetailsAs Low As; Variable Rate
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 11.60% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Personal Loan
11.74%
36 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49%
Oct 10, 202611.74%▲ from 11.49%
Sep 14, 202611.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Personal Loan
12.74%
48 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 11.99% → 12.74% ▲ 0.75 pts · high 12.74% / low 11.99%
Oct 10, 202612.74%▲ from 11.99%
Sep 14, 202611.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Personal Loan
13.24%
60 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 12.24% → 13.24% ▲ 1.00 pts · high 13.24% / low 12.24%
Oct 10, 202613.24%▲ from 12.24%
Sep 14, 202612.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Personal Loan
14.49%
72 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 13.24% → 14.49% ▲ 1.25 pts · high 14.49% / low 13.24%
Oct 10, 202614.49%▲ from 13.24%
Sep 14, 202613.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
USC Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Computer Loan
-
-
4.99%
Up to 36 months
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 4.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
GoGreen Loan
-
-
3.24%
DetailsAPR (Annual Percentage Rate) is effective as of 10.9.2026 and is based on creditworthiness, underwriting criteria, and participation in qualifying discount programs. The lowest advertised rate of 3.24% APR includes the following stackable discounts: 0.25% discount for automatic loan payments from a qualifying USC Credit Union checking account. Additional discounts available include: 0.125% discount for verified renters, 0.125% discount for applicants whose residential address and project location qualify as a Low-Income and Disadvantaged Community (LIDAC), 0.125% discount for California Climate Investments Priority Population Discount. To receive the 3.24% APR, at least 70% of the project cost must be for measures eligible under California's GoGreen Home Energy Financing program. To qualify for the automatic payment discount, borrower must set up recurring loan payments from an active USC Credit Union checking account. To qualify for the renter discount, applicant must not be a homeowner and must provide proof of current rental agreement or lease. Discount is not available to homeowners. LIDAC eligibility is determined based on project location and borrower's residential address, according to State of California definitions. Visit the Eligibility Mapping Tool to check your property's designation. Project eligibility under GoGreen is determined based on utility provider. Projects must use eligible energy efficiency measures (EEMs) listed in the official GoGreen EEMs List, available at: GoGreen Home Eligible Energy Measures . Project eligibility for GoGreen Financing is subject to USC Credit Union verification. Projects that do not qualify for the GoGreen program are subject to a 1.00% APR rate increase. Eligible improvements are determined by the property's gas and electric utility providers. Visit the GoGreen Financing FAQ to learn how utility service providers affect project eligibility. Available for eligible subject project properties located in a California Climate Investments Priority Population area. View the CARB Priority Populations Map . Eligibility is subject to USC Credit Union verification. A valid purchase order or contractor invoice is required to verify project scope before loan funding. Applicant may be required to be a customer of a participating utility provider. See GoGreen Financing for utility exceptions and full program details. Only new solar panel installations, including battery bundles, are eligible. Replacement of existing panels does not qualify. This is an unsecured loan product and is not associated with any mortgage or home loan. All credit union loan programs, rates, terms, and conditions are subject to change without notice. Final rate is determined at loan approval and may vary based on credit, loan term, and project eligibility. Example: Monthly payment per $1,000 borrowed at 3.24% APR over 12 months is $84.80. This example is for illustration purposes only. Actual payment may vary. Membership eligibility requirements and membership fees may apply; please call (213-821-7100) or visit www.USCCreditUnion.org to confirm eligibility.
Last Updated10/10/2026
Rate History
1 change since Sep 18, 2026 · 2.99% → 3.24% ▲ 0.25 pts · high 3.24% / low 2.99%
Oct 10, 20263.24%▲ from 2.99%
Sep 18, 20262.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Ready Funds Loan
-
-
28.00%
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 19.50% → 28.00% ▲ 8.50 pts · high 28.00% / low 19.50%
Oct 10, 202628.00%▲ from 19.50%
Sep 14, 202619.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.49%
Financial Health History
USC Credit Union’s Texas Ratio stayed near 5.18% in Q3 2023 to 5.49% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$741M
5.49%
5.0
A+
March 31, 2026
$719M
4.93%
5.0
A+
December 31, 2025
$714M
5.51%
5.0
A+
September 30, 2025
$708M
5.50%
5.0
A+
June 30, 2025
$703M
7.46%
5.0
A
March 31, 2025
$706M
4.63%
5.0
A+
December 31, 2024
$694M
4.70%
5.0
A+
September 30, 2024
$737M
3.96%
5.0
A+
June 30, 2024
$736M
4.57%
5.0
A+
March 31, 2024
$740M
3.98%
5.0
A+
December 31, 2023
$765M
4.54%
5.0
A+
September 30, 2023
$721M
5.18%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for USC Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather USC Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with USC Credit Union's official website for the most current offers and terms.
Address
3720 S Flower St FL 4,
Los Angeles, CA 90089
Phone213-821-7100
Fax
PresidentGavin Galimi
CEOGary Perez
Full-Time Employees94
Part-Time Employees6
Branch Locations4
ATM Locations3
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.49%
Return on Assets (ROA)
0.2420%
Return on Equity (ROE)
2.4208%
Non-Performing Loans Ratio (NPL)
0.73%
Total Assets
741,133,548
Total Amount of Shares and Deposits
638,261,655
Total Shares and Deposits < 1 Year
616,994,674
Total Shares and Deposits 1 3 Years
18,622,263
Total Shares and Deposits > 3 Years
2,644,719
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
50,905,440
Total Uninsured Shares and Deposits > $250K (F+J)
60,975,206
Total Insured Shares and Deposits > $250K (item 17 less item K)
577,286,449
Total Interest Expense (Sum of items 6 8)
4,534,798
Share Certificates
4,093
Number of Accounts for Share Drafts
51,049
IRA KEOGH Accounts
986
Number of Accounts for Regular Shares
72,922
Non Member Deposits
35
Money Market Shares
3,926
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
24,588,474
Total Liabilities
687,980,475
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
USC Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About USC Credit Union
How many branches does USC Credit Union operate?
USC Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join USC Credit Union?
Yes, to access services at USC Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, USC Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, USC Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does USC Credit Union offer online and mobile banking?
Most modern institutions like USC Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.usccreditunion.org.
Current USC Credit Union Rates
12-Month CD3.79%
24-Month CD3.65%
60-Month CD3.75%
Savings6.00%
MMA3.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
