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Earn a 0.50% Rate Boost on a New Money Certificate (CD)**

 Members with an existing qualifying direct deposit may be eligible for a 0.50% dividend rate** increase on a new money certificate.

PremiumSpend account holders cannot combine their 0.25% dividend boost with this offer. 

Stack & Earn Promotional Disclosures

*Direct Deposit $400 Offer for Members New to Direct Deposit

Official Terms and Conditions

Term:
The USC Credit Union Direct Deposit $400 Offer Campaign (“Promotional Offer”) is valid for qualifying direct deposits first established between April 6, 2026, and June 30, 2026 at 11:59 p.m. Pacific Time. This promotional offer is open to individuals who: are 18 years of age or older, are USCCU members in good standing at the time of qualification and payout, maintain a personal USCCU checking account, and have not received a qualifying direct deposit into any USCCU account within ninety (90) days prior to the offer start date.

The Annual Percentage Yield (APY) for the Premium Spend checking account associated with this offer is 0.05% APY. APY is a variable rate and may change after the account is opened. APY is accurate as of 4/6/26. Fees, including maintenance or activity fees, may reduce earnings on the account.

Promotional offer available to new members and existing members without a current qualifying direct deposit. Business, trust, fiduciary, and organizational accounts are not eligible. USCCU employees, officials, directors, and their immediate family members are not eligible. Eligibility will be verified at the time each bonus is earned and paid. Promotional code “DIRECT” must be provided at the time of opening a new checking account. For existing members with a checking account who do not currently have a direct deposit established, promotional offer must be activated by completing promotional direct deposit form. Promotional form must be completed with email associated with primary account before establishing direct deposit. Click here to access promotional direct deposit form. A “qualifying direct deposit” is an electronic payroll deposit of salary, wages, pension, or government benefits from an employer, payroll provider, or government agency, deposited via the ACH network. The following do not qualify: transfers between USCCU accounts, person-to-person payments (Zelle®, Bill Pay, Cash Apps), wire transfers, check deposits, and micro-deposits (typically less than $1). USCCU reserves the right to determine whether a deposit qualifies based on ACH transaction coding and origin.

Direct Deposit Requirement (Members with no direct deposit established within 90 (ninety) days of promotional offer). A qualifying direct deposit must be received into a USC Credit Union personal checking account within promotional term to activate the offer. The date the first qualifying direct deposit posts marks the start of all promotional periods below. Members may earn up to $400 as follows:

1. Two-Month Bonus: $150

Earn $150 after sixty (60) days of maintaining at least $2,000 in qualifying direct deposits in each of two consecutive 30-day periods (60 days total), beginning on the date the first qualifying direct deposit is posted. Both periods must meet the $2,000 direct deposit minimum independently into a personal USCCU checking account. The $150 bonus will be deposited within thirty (30) days after qualification is verified.

2. Six-Month Bonus: $150

Receive at least $2,000 in qualifying direct deposits in each of six consecutive 30-day periods (180 days total), beginning on the date the first qualifying direct deposit is posted. “Consecutive” means each 30-day periods immediately following the initial qualification month without interruption or reduction below the $2,000 monthly threshold. The $150 bonus will be deposited within thirty (30) days after qualification is verified.

3. Debit Card Bonus – Up to $100

Earn $100 by completing the following within sixty (60) days of the date the first qualifying direct deposit is posted: 30 debit card purchase transactions. Qualifying transactions must have a minimum amount of $10.00 per transaction. ATM transactions, cash advances, person-to-person transfers, returns, and reversed transactions do not qualify. Debit bonuses will be deposited within thirty (30) days after transaction thresholds are met.

**Certificate Dividend Boost Offer for Members with Existing Direct Deposit

Official Terms and Conditions

Term:

The USC Credit Union Certificate Dividend Boost Offer (“Promotional Offer”) is valid for qualifying accounts opened between April 6, 2026, and June 30, 2026 at 11:59 p.m. Pacific Time. This promotional offer is available to individuals who are 18 years of age or older, are USCCU members in good standing at the time of qualification and throughout the promotional term, maintain a personal USCCU checking account, and have an existing qualifying direct deposit established prior to the start of the promotional period.

Offer Details:

Members with an existing qualifying direct deposit established prior to the start of the promotion may be eligible for a 0.50% dividend rate increase on select new certificate of deposit (CD) products. The dividend rate increase will result in a corresponding increase to the Annual Percentage Yield (APY). Promotional certificate bonus form must be completed with email associated with a primary account before opening a new certificate eligible for bonus. Click here to access promotional certificate bonus form.

Certificate APYs are accurate as of 4/6/26. Dividend rates and APY for certificate accounts are fixed for the term unless otherwise disclosed. The term of the certificate (time requirement) will be disclosed at account opening. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. Dividends will be paid out monthly.

The bonus dividend applies only to eligible CD terms designated by USCCU, applies for the full term of the CD, and is subject to change or discontinuation without notice. This offer is not valid for IRA CDs or other promotional CDs and cannot be combined with other CD promotional offers, including the PremiumSpend 0.25% dividend bonus increase.

All standard CD disclosures and Truth in Savings requirements apply. Additional Terms and Conditions: Accounts must remain open and in good standing at the time of qualification and throughout the promotional term. Bonuses and dividend enhancements are subject to verification. Limit one Direct Deposit promotional offer per member. USC Credit Union reserves the right to reverse bonuses or dividend benefits in cases of fraud, returned deposits, or violations of account terms. Bonuses and dividend earnings may be reported as dividend income to the IRS on Form 1099-INT, as required by law (currently when aggregate dividends and bonuses equal or exceed $10 in a calendar year). Members are responsible for any applicable taxes. USC Credit Union does not provide tax or legal advice. USC Credit Union reserves the right to modify or terminate this promotional offer at any time without prior notice.