¹ALUMNI50 Promo: Requirements for $50 Bonus: Must be a USC recently graduated student (graduated between 1/1/2023 and 12/31/2023). Must open a new checking account product with debit card by 12/31/23; Must sign-up for e-statements; Must make ten (10) electronic bill payments OR ten (10) debit card transactions OR establish direct deposit with a minimum $250 amount within the first sixty (60) days of account opening. Account must be in good standing at the time of award with no negative balances or loan delinquencies. Offer may not be combined with any other promotion and may be canceled at any time without notice. $50 bonus may be considered interest reportable on IRS Form 1099-INT. Membership eligibility requirements and membership fees may apply; please call (877-670-5860) or visit www.USCCreditUnion.org to confirm eligibility. 

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

³APR (Annual Percentage Rate) is effective 4/1/2023 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 14.90% 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.

*Grad Fest 2023 Raffle Official Rules

No purchase or banking relationship of any kind is necessary.

Date of the Promotion: USC Credit Union “Grad Fest 2023” raffle starts January 25, 2023 and ends on May 11, 2023 at 11:59 p.m. Pacific Standard Time (PST). Winners will be contacted via email by May 17, 2023.

Sponsors: USC Credit Union

Eligibility: All participants must be currently enrolled as a USC student for the 2022-2023 academic year, and have a graduation date during the 2023 academic year. All participants must accept and agree to be bound by these Official Rules and the decisions of the Sponsor.

Prizes:

Prizes: (3) Prizes: One 14k Traditional or Signet USC Class Ring, One USC Windsor Medallion Diploma Frame, and One “USC Alumni” license plate frame.

Prizes are non-transferable and no cash substitution is permitted. The prizes cannot be upgraded or changed.

Winners: Three (3) winners will be selected. Prize for each winner will be selected at random.

How to Enter:

1) Fill out entry form at https://info.usccreditunion.org/gradfest2023.

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 May 17, 2023. 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 May 17, 2023. The winner will have until May 24, 2023 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 “Grad Fest 2023 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.

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.