Rates

*$750 minimum balance to obtain APY.

*$2500 minimum balance to obtain APY.

*Annual Percentage Rates (APR) effective 10/31/2024 and may vary depending on each individual’s credit history and underwriting factors. Credit check is required. Quoted rate is our best rate. Subject to credit approval. Must be in good standing with USC Credit Union. Offer expires December 30, 2024. Make no payments until January 2025. Monthly payment per $1,000 for 12 months at 10.49% APR is $88.14. This payment example is for illustration purposes only. Your actual payment may vary. Collateral securing other loans with the Credit Union may also secure this loan. Interest accrues immediately after the loan is funded. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. For questions or concerns, please call (877) 670-5860.

A $10 application fee will be charged to your account when you submit your application. Loans are available to members who meet certain eligibility requirements, who have been with the credit union a minimum of 6 months and are considered a member in good standing. Application available through online or mobile banking.

*Annual Percentage Rate (APR) effective as of 11.21.2024 and is based on creditworthiness and underwriting factors. Monthly payment per $1,000 for 12 months at 4.99% is $85.60. Must be a current USC student or faculty or staff, USC alumni, admitted USC student, or parent of current or admitted USC student. Proof of income may be required at the time of loan funding. Membership eligibility requirements and membership fees may apply; please call (213-821-7100) or visit www.USCCreditUnion.org to confirm eligibility. All credit union loan programs, rates, terms, and conditions are subject to change without notice.

*Terms and Conditions: PRIME -0.10% APR disclosure: Annual Percentage Rate (APR) is effective 11.21.2024 variable, and is subject to change. Rate is for combined loan-to-value of 80% or less, owner occupied homes and requires a FICO score of 740+. Higher rates may apply, depending on credit and combined loan-to-value. All loans are subject to credit approval. Credit limits up to $250,000. Appraisal may be required. California properties only. No Annual Fee. Flood and/or property insurance may be required. Your APR can adjust monthly and is based on the Prime Rate as published in the Wall Street Journal. Maximum advance period of 10 years, with a 15-year repayment period. $15,000 minimum initial advance required to avoid a processing fee. Thereafter, minimum advance is $200. Minimum loan balance of $10,000 must be maintained for first 12 months; otherwise, a $500 fee will be assessed. Minimum floor rate of 4.00% APR. Maximum loan rate of 18.00% APR. A sample monthly payment for an interest only HELOC, credit score of 740+ with a balance of $15,000 at 7.65% (Prime -.10%) is $95.63 during the draw period and $140.33 for the repayment period. A sample monthly payment for a traditional HELOC, credit score of 740+ with balance $15,000 at 7.65% (Prime -.10) is $187.50. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. NMLS #448984

*Solar Loans “as low as” rates include the 0.25% discount for automatic loan payments.

^*Auto Loans “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2022 or newer vehicle models. Rates are subject to change based on vehicle year.

*Motorcycles, E-Bikes, & Other Consumer Goods “as low as” rates include the 0.25% discount for automatic loan payments and apply to 2022 or newer vehicle models. Such rates are subject to change based on vehicle year.

¹For both loans, you will be required to review the Application Truth in Lending Disclosure prior to submitting an application. The minimum loan amount is $5,000. Your interest rate will be determined by your credit score or your cosigner’s, whichever is greater. Membership is required. Must qualify for USCCU membership and membership fee may apply; please call (213-821-7100) or visit www.USCCreditUnion.org to confirm eligibility. Must be 18 years old or older. Must pass Chexsystem. All accounts are subject to approval process. Terms and Conditions Apply. USC CREDIT UNION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident and meet USC Credit Union’s underwriting requirements. This information is current as of 11.21.2024 and is subject to change.

Variable Rate: 5.97% annual percentage rate (APR) effective 11.21.2024. 60 monthly payments of $19.32 per $1,000 borrowed. Borrowing $20,000 at 5.97% accrues $3,182.63 in interest during a 5-year repayment term. These monthly payments and accrued interests are for illustration purposes only. If approved for a loan, the variable interest rate offered will depend on your credit history and the Credit Union’s underwriting standards. Variable rates from 5.97% – 9.53% APR (with AutoPay). Rate is variable and subject to change. Interest rates on variable rate loans are capped at 18.00%. Lowest variable rate of APR assumes current 90-Day SOFR Average rate of 5.370% plus 1.100% margin and subtracting the 0.25% AutoPay discount and the 0.25% Graduate School discount. For the variable rate loan, the 90-Day SOFR Average index will adjust quarterly and the loan payment will be re-amortized and may change quarterly. APRs for variable rate loans may increase after origination if the SOFR index increases. The above figures assume no changes in the SOFR index, no pre-payments, no additions to the loan principal, and all payments made in a timely manner over the life of the loan. For further information on rates and costs for the Variable Rate Student Loan Refinance, see the Application Truth in Lending Disclosure.

Fixed Rate: 5.49% annual percentage rate (APR) effective 11.21.2024. 60 monthly payments of $19.10 per $1,000 borrowed. Borrowing $20,000 at 5.49% accrues $2,915.86 in interest during the 5-year repayment term. These monthly payments and accrued interests are for illustration purposes only. If approved for a loan, the fixed interest rate offered will depend on your credit history and the Credit Union’s underwriting standards. Lowest fixed rate of 5.49% assumes enrollment in AutoPay and includes the 0.25% Graduate School discount. For further information on rates and costs for the Fixed Rate Student Loan Consolidation and Refinance, see the Application Truth in Lending Disclosure.

AutoPay is a voluntary repayment benefit managed by USC Credit Union that awards a 0.25% interest rate reduction to borrowers that elect to have their monthly payments electronically deducted from a designated checking account. To be eligible for the interest rate reduction for automatic payments, you must be signed up for automatic payments through USC Credit Union. If at any time automatic payments are stopped or the loan is not in good standing, the rate discount will not be applied.

For all loans with a Fixed APR: Monthly payments are calculated with the original loan rate and will not be reduced by the discounted rate.

For all loans with a Variable APR: The rate stated on this agreement is based on the rate at the time of loan funding. The index will adjust as stated in your loan agreement resulting in a rate change and new monthly payment.

*Annual Percentage Yield (APY) is accurate as of 11.21.2024. Fees may reduce earnings. Must qualify for USC Credit Union membership, and membership fee may apply; please call (213-821-7100) or visit www.USCCreditUnion.org  to confirm eligibility. Must maintain a $10,000 daily balance to avoid the $10 monthly fee. All credit union account programs, rates, terms, and conditions are subject to change without notice.