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Become a Member-Owner
Get ready to experience financial services for people, not for profit.
Everything you need for your finances and outstanding customer service. Finally, you don’t need a lot of cash to have access to be a member.
Why Join USC Credit Union?
In a word: benefits.
When you join USC Credit Union, you become part of a cooperative created for one purpose – to improve the lives of our members and the communities we serve. Membership entitles you to benefits unique to credit unions, including:
Savings. Be an owner, not a number, pay fewer fees and interest, and earn higher deposit yields. Because we’re member-owned, we don’t have shareholders, so we pass our profits on to you.
Family Membership for Life. Once you become a member, you’re part of our family, and the rest of the family is too! Your immediate family and household members are eligible for membership. Best of all, once a member, you’re a member for life.
Personal Attention. USC Credit Union is the only financial institution dedicated to serving USC and surrounding communities. We enjoy getting to know our members and giving you the exceptional experience you deserve.
You’re Part of Something Bigger. Co-ops are democratic institutions, controlled and operated by members’ best interests. Whether you have $5 or $50,000 in your account, you have the same say as any other member in determining the direction of the credit union.
Convenient Access. Access your money any way you choose whenever you want – in person, online, mobile, or via one of our 30,000 ATMs & 5,000 branches nationwide. Walk into a participating branch in Los Angeles, Orlando, and anywhere between.
Comprehensive Products & Services. Membership means access to a full range of affordable products and services, from checking and savings accounts to personal loans, credit cards, home loans, insurance, and retirement savings.
What You’ll Need to Join
- Copy of government-issued ID with valid signature
- State-issued Driver’s License or Identification Card OR,
- Passport Booklet (Must include signature page)
- Your Social Security Number, if you have one
- Account number from current financial institution (if making opening deposit electronically). The name on this account must match the name on your new USC Credit Union account.
In addition to the information above, we’ll need the following based on your institution:
USC Students: USC Student ID Number (can be found on your ID card or admissions letter)
City of Los Angeles or Orange County Student (Non-USC): Proof of current enrollment, i.e, Official transcript showing enrolled classes for current semester; Receipt of tuition payment for current semester; Admissions letter
- Copy of government-issued ID with valid signature
- State-issued Driver’s License or Identification Card OR,
- Passport Booklet (Must include signature page)
- Your Social Security Number, if you have one
- USC Employee ID Number
- Account number from current financial institution (if making opening deposit electronically). The name on this account must match the name on your new USC Credit Union account.
- Copy of government-issued ID with valid signature
- State-issued Driver’s License or Identification Card OR,
- Passport Booklet (Must include signature page)
- Your Social Security Number, if you have one
- USC Alumni Association Number
- Account number from current financial institution (if making opening deposit electronically). The name on this account must match the name on your new USC Credit Union account.
- Copy of government-issued ID with valid signature
- State-issued Driver’s License or Identification Card OR,
- Passport Booklet (Must include signature page)
- Your Social Security Number, if you have one
- Matricula Consular or Individual Taxpayer Identification Number (ITIN) accepted in lieu of SSN
- Proof of membership eligibility, if address on government-issued ID is not in Los Angeles County or eligibility is based on employment or place of worship. One of the following:
- Paycheck stub (within 30 days of issuance with visible employer’s address)
- Utility bill (gas, water, electric)
- Lease/rental agreement or mortgage statement
- Voter registration card
- Letter from employer on letterhead (within 30 days of issuance with visible employer’s address)
- Letter from place of worship on letterhead (with visible name and address) verifying that the individual is a member of the congregation
- Copy of government-issued ID with valid signature
- State-issued Driver’s License or Identification Card OR,
- Passport Booklet (Must include signature page)
- Your Social Security Number, if you have one
- Matricula Consular or Individual Taxpayer Identification Number (ITIN) accepted in lieu of SSN
- Proof of membership eligibility, if address on government-issued ID is not in Orange County or eligibility is based on employment or place of worship. One of the following:
- Paycheck stub (within 30 days of issuance with visible employer’s address)
- Utility bill (gas, water, electric)
- Lease/rental agreement or mortgage statement
- Voter registration card
- Letter from employer on letterhead (within 30 days of issuance with visible employer’s address)
- Letter from place of worship on letterhead (with visible name and address) verifying that the individual is a member of the congregation
- Copy of government-issued ID with valid signature
- State-issued Driver’s License or Identification Card OR,
- Passport Booklet (Must include signature page)
- Your Social Security Number, if you have one
- Matricula Consular or Individual Taxpayer Identification Number (ITIN) accepted in lieu of SSN
- Account number from current financial institution (if making opening deposit electronically). Name on account must match name on new USC Credit Union account.
- Completed Sponsor’s Certificate.
Share the Benefits of USC Credit Union
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Be an owner, not just a customer. Experience all the benefits of USC Credit Union membership.
Educational Resources
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
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
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
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
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
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
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
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
Student Loans
Repaying Student Loans: Budget Your Way to Freedom
Managing student loan debt can sometimes feel like an uphill battle. But the truth is, a smart budget, personalized to your income and other expenses, can be your greatest asset in paying off your student loans while maintaining your quality of life. In this guide, we walk you through the steps to create your own budget that works for you and your goals.
Repaying Student Loans: Budget Your Way to Freedom
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