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Welcome Home to the Trojan Family.
Whether you're buying your first home, refinancing, or tapping into your home’s equity, USC Credit Union offers mortgage solutions designed for Trojans.
Refinance your HELOC or Home Equity Loan with Trojan-owned USC Credit Union and take advantage of a special USC Alumni rate of Prime -0.25%*.
No Obligation. 100% Confidential. Special Offer for USC Alumni.
Lower Your HELOC Rate with Trojan-Owned USC Credit Union
Apply Now
Submit an easy application online or contact our home equity loan officer. Mention the special USC Alumni offer of Prime -0.25%* when you speak to your loan officer.
We Handle Payoff
Once your Prime -0.25%* rate is approved, we'll take care of the payoff and transfer with your older lender, hassle-free.
Enjoy Your Lower Rate
Start saving and put your home's equity to work for renovations, big purchases, debt consolidation, and more.
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Offer Requirements to Get the Prime -0.25% Discount:
- Must pay off an existing home equity loan or HELOC from another lender (balance over $15,000)
- Credit score of 740+
- Owner-occupied with 80% loan-to-value or less
- Property located in California
- Must have valid USC Credit Union membership
- Cannot be combined with other offers
Mention this special USC Alumni offer to our home equity loan officer.
USC Credit Union is the Better Choice
Trusted Since 1973
Founded by USC employees, USC Credit Union has helped Trojans achieve homeownership for over 50 years.
Flexible Mortgage Options
Choose from fixed-rate or adjustable-rate loans for purchasing or refinancing your home.
Expert Guidance Every Step
Our experienced mortgage team guides you through the process with affordable options and flexible requirements.
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Yara Cruz
Real Estate Loan Officer
Email: ycruz@usccreditunion.org
213-821-7203
NMLS: #824520
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Naci Fisher
Home Equity Loan Officer
Email: nfisher@usccreditunion.org
213-821-7172
NMLS: #1676612
Disclosure:
Federally Insured by the NCUA | Equal Housing Opportunity Act | NMLS #448984
*PRIME -0.25% APR disclosure: Annual Percentage Rate (APR) is effective 4.17.26 variable, and is subject to change. To receive the .25% discount, a home equity loan or home equity line of credit at another financial institution with a balance greater than $15,000 must be paid through the transaction. 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 6.50% (Prime -.25%) is $81.25 during the draw period and $130.67 for the repayment period. A sample monthly payment for a traditional HELOC, credit score of 740+ with balance $15,000 at 6.50% (Prime -.25) is $187.50. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.