USC Credit Union Relief Assistance

USC Credit Union Relief Assistance

Impacted by the wildfires? We’re here to help.

At USC Credit Union, we are dedicated to supporting our members and neighbors affected by the California wildfires. To provide relief during this challenging time, we’re offering special assistance, including a no-penalty certificate, low-rate relief loans with flexible terms, loan deferment options to help ease financial burdens, and more.

We’re here to help you rebuild and recover. If you need additional assistance or have questions on our relief programs, please don’t hesitate to contact us today.

4.00% APY1 No-Penalty Certificate for Wildfire Impacted Members

Exclusively for Wildfire Impacted Members (New and Current Members)1
Earn 4.00% APY1 on a 36-Month No-Penalty Certificate. Enjoy penalty-free access1 to your funds. Get started with a minimum deposit of $1,000. New Money Only

  • Designed to grow your savings while having flexible access to your funds as you rebuild and recover.
  • Withdraw some or all of your balance and earnings before maturity – penalty-free.1
  • Exclusively for new and current USC Credit Union members impacted by the Eaton, Palisades, or Hurst wildfires in California.1

Options to Open

Wildfire Relief Loans

For New and Current USC Credit Union Members

For New and Current USC Credit Union Members
Our Wildfire Relief Loan is available to both new and current USC Credit Union members, offering a low 4.99% APR2 to support short- and long-term recovery efforts.

  • 4.99% APR2
  • Borrow up to $5,000
  • No payments for 60 days
  • Up to a 24-month repayment term 
  • Impact verification required*

Apply for a Personal Loan using promo code RELIEF

Short-Term Interest-Free Loans

For USC Credit Union Members

For USC Credit Union Members (Membership as of January 7, 2025)
USC Credit Union members can apply for short-term, interest-free loans to receive the relief and support they need during this challenging time.

  • 0% APR3
  • Borrow up to $2,000
  • No payments for 60 days
  • Up to a 12-month repayment term
  • Impact verification required*

Apply for a Personal Loan using promo code RELIEF

Loan Deferments

For USC Credit Union Members

For USC Credit Union Members (Membership as of January 7, 2025)
If you’re experiencing financial hardship due to the Los Angeles wildfires, USC Credit Union is here to help. We are offering loan payment deferments to support you during this challenging time. To request assistance, please call us at (213) 821-7100 or email us.

 

Fee Waivers

For New and Current USC Credit Union Members

For New and Current USC Credit Union Members
We are waiving certain fees for members affected by the wildfires until March 31, 2025. Fee waivers are available to both new and current USC Credit Union members who qualify through disaster zone address verification, or with a Wildfire Relief or Short-Term Interest-Free Loan. If you’d like to explore your options or have questions about fees, please call us at (213) 821-7100 or email us.

*Proof of impact will be required for all applicants. USC Credit Union will use internal tools and processes to establish and verify this information.

1USC Credit Union offers a special 36-month new money certificate with a no-penalty option for members affected by the Eaton, Hurst, or Pacific Palisades wildfires in California. This certificate features an Annual Percentage Yield (APY) of 4.00%, effective as of February 24, 2025. This APY is not a variable rate and will not change during the term of the certificate. However, all credit union programs, rates, terms, and conditions are subject to change after account opening. Membership in USC Credit Union is required, and eligibility can be confirmed visiting www.usccreditunion.org. This offer is limited to new money deposits from external financial institutions; existing USCCU funds are ineligible. A minimum deposit of $1,000 is needed, and there is no maximum deposit limit. This certificate will automatically renew for another 36 months at the current APY upon maturity. Members directly affected by the Eaton, Hurst, or Pacific Palisades wildfires in California – whether they reside or work in the affected areas or have experienced job loss or income reduction – may make early withdrawals (partial or full) or close their certificates before maturity without penalty. This offer does not apply to Individual Retirement Accounts (IRAs) or Share/Certificate Secured Loans. As for term share accounts, this certificate does not compound dividends; therefore, required dividend payouts will be credited at the end of the certificate’s term, provided the account remains open until the dividends are due. Dividends will not be earned if the share certificate is closed before the dividends are credited at the end of each month. For more details, please refer to the Account Agreement and Truth-In-Savings Disclosures. Promotional offers cannot be combined with any other offers and may be subject to change without notice.


2Annual Percentage Rate (APR) is effective as of 1.20.2025 and is based on eligibility and underwriting factors. The APR is a fixed rate for the duration of the loan. Monthly payment per $1,000 for 12 months at 4.99% is $85.60. Must use promo code RELIEF at the time of loan application. Proof of income and impact verification 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. 

3Annual Percentage Rate (APR) is effective as of 1.20.2025 and is based on eligibility and underwriting factors. The APR is a fixed rate for the duration of the loan. Monthly payment per $1,000 for 12 months at 0% is $83.33. Must use promo code RELIEF at the time of loan application. Must be a USC Credit Union member as of January 7, 2025. Proof of income and impact verification 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.