Welcome Trojans!

¹APY=Annual Percentage Yield is accurate as of 3.21.24. Fees may reduce earnings. Membership in USC Credit Union required. 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 be new money deposit from another financial institution. Existing USCCU funds not applicable. $1,000 minimum opening amount with no maximum deposit amount. Once mature, a 9-month term certificate will automatically roll over to a 12-month term at that APY. A bonus rate on all certificates of $50,000 or more does not apply. The share certificate will be closed, and an early withdrawal penalty will be imposed on the entire balance if a withdrawal of principal is made prior to the Maturity Date. Please refer to Account Agreement and Truth-In-Savings Disclosures for more information. Dividends will not be earned if the share certificate is closed before the dividends are credited by the ending date of each month. This promotion does not apply to Individual Retirement Accounts (IRA) and Shared/Certificate Secure Loans. All credit union programs, rates, terms, and conditions are subject to change without notice. Offer rates and terms are subject to change without notice. Promotional offer cannot be combined with any other offers.

²Annual Percentage Rate (APR) Auto Loans “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. Other Loan-to-Value requirements may apply. To qualify for the automatic payment rate discount, loan payments must be made automatically from a qualifying checking account.

³90-day deferred payment option for qualified borrowers. Interest accrues immediately.

⁴APR (Annual Percentage Rate) is effective 3.27.2024 and is subject to change. Your regular variable rate is determined by creditworthiness and payment history and may vary. The minimum monthly interest charge is $0.50. The 0.00% APR for purchases and balance transfers made during the qualifying transaction period within the first 6 months of account opening. All purchases, net of returns, qualify for the introductory APR. The introductory rate will remain in effect until the end of the 15th billing cycle billing cycle after account opening, thereafter, the standard rate of 13.40% to 18.00% for purchases and balance transfer applies. Except for existing USC Credit Union loans, all balance transfers qualify for the introductory APR. There is a 3% Balance Transfer Fee of the total amount transferred per transaction or $10, whichever is greater. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. This introductory rate is available for a limited time, and rates and terms are subject to change without notice. Click here for full disclosure.

*

*Spring Game Raffle 2024 Raffle Official Rules

No purchase or banking relationship of any kind is necessary.

Date of the Promotion: USC Credit Union "Spring Game” raffle starts April 20, 2024 and ends on April 20, 2024 at 11:59 p.m. Pacific Standard Time (PST). Winners will be contacted via email by April 26, 2024.

Sponsors: USC Credit Union

Eligibility: Participants must be at least eighteen (18) years of age. All participants must accept and agree to be bound by these Official Rules and the decisions of the Sponsor.

Prizes:

Prizes: (2) Prizes: Two USC Bookstore Gift Card valued at $100.

Prize is non-transferable and no cash substitution is permitted. The prize cannot be upgraded or changed.

Winners: Two (2) winners will be selected. Prize for the winners will be selected at random.

How to Enter:

1) Fill out entry form at https://info.usccreditunion.org/fighton

Odds of Winning and Winner Selection: Odds of winning will vary depending on the number of entries received and will be based on random selection. Winner will be selected by the USC Credit Union Marking Department using a random entry selection tool on April 25, 2024. One prize per winner. If an individual is selected as a winner more than once, another winner will be selected.

Winner Notification: Winners will be notified via the email address provided in their entry form no later than April 26, 2024. The winner will have until May 3, 2024 to claim their prize or it will be forfeited and another winner will be selected. The potential prize winner will be required to sign and return a Photograph/Video Release Form.

Liability and General Rules: Entrants agree to hold USC Credit Union (USCCU) and each of its officers, directors, employees, members, representatives and all of its agents harmless from any liability arising from participation in the “Spring Game Raffle” USCCU is not responsible for any negligence, claims, liability, injury, property loss or other damages arising from, or in connection with, acceptance or participation of this campaign. USCCU is not responsible for any incorrect or inaccurate information, lost, incomplete, illegible, late, misdirected, stolen, or mutilated entries or other materials or bona fide human processing errors. Further, USCCU is not responsible for telecommunications, network, electronic, technical or computer failures of any kind, including any which may affect your entry in this campaign. USCCU reserves the right to disqualify entrants who fail to follow these Official Rules and regulations, who tamper with the entry process, or who make any misrepresentations relative to this campaign. USCCU shall have the absolute right to determine if an entry is in compliance with these Official Rules without notice to the person attempting to enter.

USCCU reserves the right to suspend or cancel the campaign or modify these Official Rules as necessary for any reason or as required by applicable law. USCCU reserves the right, at their sole discretion, to disqualify the campaign, and ban from any future promotions, any person they believe is to have intentionally violated these Official Rules or tampered with any element of the campaign without notice to the disqualified or banned person.

Tax Issues: Taxes due on prizes are the sole responsibility of the recipient. USC Credit Union may report all prizes won to the Internal Revenue Service (IRS) on Form 1099. USC Credit Union and its Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional.

Release: By entering this campaign, each participant warrants that he or she has read and agrees to abide by these Official Rules and that he or she is not prohibited from participating in the campaign.

Privacy and Publicity Authorization: By entering, participants consent USCCU and each of its parent companies, subsidiaries, affiliates, agents, franchisees, advertising or promotional agencies, and partners and such entities’ officers, directors, agents, employees, respective successors and assigns (collectively, “Authorized Parties”), the absolute and irrevocable right and permission to use, publish, broadcast and/or likeness, caricature, and personal information, in its current form or as retouched, digitized, cropped, altered, distorted or modified in any way, in any and all advertising and promotional materials based upon or derived there from, (collectively, “Materials”), in any manner, in any media whatsoever for any and all purposes, including by way of example but without limitation advertising, promoting or publicizing products throughout the universe, in perpetuity, and any and all media now known or hereafter devised (including without limitation on the Internet), in conjunction with this or other advertising or promotions without additional compensation. The prize winner will be required to sign and return a publicity release.

Participant agrees that the Materials or anything derived from there will be owned solely by the Authorized Parties. Participant shall not authorize the use of the Materials or any print, negative or other copy thereof by anyone other than the Authorized Parties.