Business Banking

Business Banking

Build, operate, and grow with financial confidence

Team up with a credit union that loves to see your business thrive. At USC Credit Union, you’ll discover a partner dedicated to your success and a community eager to support your journey. Whether you’re a budding startup, a growing small business, or a local non-profit in the Los Angeles or Orange counties, we have the business solutions, tools, and resources to help you manage your daily finances and navigate your future.

Personal membership with USC Credit Union does not automatically qualify for a business membership. A separate application is required for business membership. View eligibility requirements.

Grow your business with USC Credit Union:

Business Savings

Grow your business savings.

The starter cushion account for every USC Credit Union business member to save for taxes, new investments, future projects, and unexpected expenses.

  • $10 minimum deposit to open (includes one-time $9 membership fee)1
  • Earn dividends on balances of $1,000 or more

APY is accurate as of 4.24.2024

Rates as high as:

0.05%

View Rates

Business Money Market

High-interest account with easy access.

Get even more from your surplus cash. Business Money Market Accounts1 offer the flexibility and growth your business needs to thrive.

  • $10,000 minimum initial deposit
  • 6 free withdrawals per month*

APY is accurate as of 4.24.2024

Rates as high as:

4.25%

View Rates

Business Checking

Streamline your cash flow with just a $200 deposit.

Manage day-to-day operating expenses, payroll, and income with a business checking account3 that covers the essentials.

Find the accounts for your business needs:

Compare Business Accounts
Features
Business Savings
Business Money Market
Business Checking
The right fit if you want to…Earn dividends to accelerate growth (and a must-have for business membership)Earn higher dividends from your surplus cash while maintaining liquidityManage day-to-day finances with ease
Minimum Opening Balance$9 one-time membership fee + $1 initial deposit$10,000$200
Balance Requirement$1,000 combined in business deposit accounts$10,000 minimum daily balance$2,500 minimum daily balance or $5,000 average daily balance
Monthly Service Charge$5 if balance falls below requirement$10 if balance falls below requirement$10 if balance falls below requirement
DividendsPaid quarterlyHigher dividends than a regular savings accountN/A
Free Online BankingYesYesYes
Free Transactions at USC Credit Union, Co-Op, Shared Network or Citibank (branch only) ATMs*Yes6 free withdrawals per month**100 free transactions per month
Free ATM/Debit CardYesYesYes
Links to Open AccountsOpen Business SavingsOpen Business Money MarketOpen Business Checking

    *Citibank free ATM transactions or inquiries apply only to ATMs at Citibank branch locations. View our Schedule of Fees for details on any fees you may incur. **During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party.

    Let’s chat.

    Have questions about your business needs? Talk to a member-specialist to learn all the benefits business membership has to offer.

    Quick responses, great service, constant communications to keep us informed, a fairness to small businesses. It is clear that big banks are not on the side of real small businesses. USCCU’s services exceedingly surpass those of Chase.

    -JCIP, Inc.

    • A Trusted Neighbor

      Our mission is to provide affordable products and services, financial guidance, and the resources to support our neighboring communities' economic well-being.

    • Trojan Insurance

      Life happens, and accidents do too. Cover yourself with insurance for vehicles, homes, businesses, and more through USC Credit Union’s Trojan Insurance Services.

    • Credit Cards

      No annual fees. No foreign transaction fees. More “yes” answers. Apply for a USC Credit Union Mastercard® credit card today.

      Educational Resources

      • Protecting What You Value

        Debt Protection

        If the unexpected happens, you don’t want to be compounded by financial worry. With Debt Protection, you may cancel your loan balance or payments in the event of involuntary unemployment, disability, or death.

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        Debt Protection

      • Protecting What You Value

        What’s important to know about life insurance?

        Choosing a life insurance product is an important decision, but it can be complicated. As with any major purchase, it's important that you understand your needs and the options available to you.

        Read Full Article

        What’s important to know about life insurance?

      • Protecting What You Value

        What things should I keep in mind when buying an insurance policy?

        Life insurance is an important investment to protect you and your family in case of unexpected events. However, choosing the right coverage can be overwhelming. Here are a few tips to keep in mind when buying an insurance policy.

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        What things should I keep in mind when buying an insurance policy?

      • Protecting What You Value

        What are the different types of life insurance available?

        It's important to consider your coverage needs and personal financial situation when choosing the type of life insurance that is best for you. There are many kinds of insurance, but they generally fall into two categories: term insurance and permanent insurance. 

        Read Full Article

        What are the different types of life insurance available?

      • Protecting What You Value

        Mercury Mechanical Protection

        USC Credit Union has partnered with Mercury Insurance to provide members mechanical protection products with their auto loans! Protect your vehicle well beyond the manufacturer’s warranty with Mechanical Protection.

        Read Full Article

        Mercury Mechanical Protection

        1$5 monthly fee assessed if the combined average in all business savings, checking, and money market accounts falls below $1,000.

        2Annual Percentage Yield (APY) is accurate as of 4.24.2024. Fees may reduce earnings. Must qualify for USC Credit Union membership, and membership fee may apply; please call (877-670-5860) 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.

        3Must maintain a $2,500 minimum daily balance or $5,000 average daily balance to avoid the $10 monthly fee.

        *During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party.