Low-Risk. High Rewards.
4.00% APY1 18-Month
IRA Certificate
Grow your retirement savings with a federally insured Traditional or Roth IRA Certificate Account with a limited-time 4.00% APY1 New Money 18-Month special.
Limited-Time Special
Individual Retirement Account (IRA) Certificate
18-Month 4.00% APY1
Kick off the year with a strong start to your retirement savings and build momentum for long-term financial progress. For a limited-time, you can grow your retirement funds with our promotional 18-Month 4.00% APY1 IRA Certificate.
Open an 18-month 4.00% APY1 IRA Certificate with a low $1,000 minimum opening deposit and lock in a competitive rate today!
New Money Only. Available as a Traditional or Roth IRA.
Contribute by April 15, 2026 to count it toward your 2025 IRA contribution!
USC Credit Union and its employees do not provide tax advice. Please consult your tax professional.
Maximize Your Savings
Earn guaranteed returns at a high 4.00% APY1 with an 18-Month IRA Certificate.
Choose a Traditional or Roth IRA Certificate that fits your tax strategy.
Lock in competitive earnings, protected from market changes.
Open with just a $1,000 new money deposit that’s federally insured.
| IRA Certificate (CD) |
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Earn a guaranteed return and higher dividend rate than a savings account. Lock in for a set term |
USC Credit Union and its employees do not provide tax advice. Please consult your tax professional.
Choose Your IRA
Not sure whether a Traditional or Roth IRA is right for you? Since IRA options can have different tax implications, speak to a qualified tax professional to determine what's best for you.
Submit Application
Contact us to request an application, then return the completed form by mail or at a branch. Or, you can visit a branch and we’ll help you complete everything in one visit.
USC Credit Union and its employees do not provide tax advice. Please consult your tax professional.
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Need help choosing the right IRA or reviewing your financial plan? Schedule a free consultation with a Trojan Wealth Management2 advisor today!
Explore More Ways to Save
Build strong savings habits for the year ahead. USC Credit Union offers a variety of savings accounts designed to help your savings go the distance.
Share Certificates (CD)
Earn up to 3.75% APY3
A reliable savings option designed to make your money grow. Invest as little as $1,000, lock in your rate and term, and enjoy predictable growth.
| Share Certificate (CD) Rates3 | |
| 3 Months |
3.25% |
| 6 Months |
3.50% |
| 12 Months |
3.75% |
| 24 Months |
3.25% |
| 36 Months |
3.25% |
| 48 Months |
3.25% |
| 60 Months |
3.25% |
Smart Yield Savings
Earn up to 3.55% APY4
A high-yield savings account that rewards your relationship with us! Earn a high-yield, enjoy zero monthly fees, and feel confident your savings are in a good place!
Money Market Accounts
Earn up to 2.00% APY5
Keep your earnings high and your assets liquid with a money market account. Our tiered dividend structure rewards higher balances with higher yields.
The Low-Risk Way to Save for Retirement
Talk to a member-specialist today to get started.
1Annual Percentage Yield (APY) is accurate as of 01/22/26. Fees may reduce earnings. Membership in USC Credit Union is required. Member must qualify for USC Credit Union membership. Please call (213) 821-7100 or visit www.USCCreditUnion.org to confirm eligibility. This 18-month IRA Certificate (Traditional or Roth) requires a minimum opening deposit of $1,000. Must be new money deposit from another financial institution. Existing USCCU funds not applicable. $1,000 minimum opening amount with no maximum deposit amount. There is no maximum deposit amount. Dividends are credited monthly. Dividends will not be earned if the IRA Certificate is closed before dividends are credited for the month. If a withdrawal of principal is made prior to the Maturity Date, the IRA Certificate will be closed and an early withdrawal penalty will be imposed on the entire balance in accordance with the Account Agreement. In addition, early withdrawals from an IRA may be subject to IRS penalties and income taxes. Consult a tax advisor for details. At maturity, the IRA Certificate will automatically renew into a 12-month IRA Certificate at the APY in effect at the time of renewal unless other instructions are provided during the applicable grace period. Any bonus rate offered on certificates of $50,000 or more does not apply to this promotional IRA Certificate, regardless of balance. Promotional offers may not be combined with any other offers, including PremiumSpend checking account benefits. Please refer to the Account Agreement and Truth-in-Savings Disclosures for additional information. All credit union programs, rates, terms, and conditions are subject to change without notice.
2Investment advisory services offered through PFG Advisors, LLC, an SEC registered investment adviser. Securities offered through United Planners Financial Services, member FINRA/SIPC. Insurance products offered through approved carriers. Trojan Wealth Management, USC Credit Union, PFG Advisors, LLC, and United Planners Financial Services are separately owned entities and are not affiliated companies. Securities, insurance, and advisory services are:
Not FDIC/NCUA Insured | No Financial Institution Guarantee | May Lose Value
Jimmy Suh is registered to conduct securities business in California and Texas. This communication is strictly intended for individuals residing in the states listed. No offers may be made or accepted from outside the specific states referenced. Insurance-related services may not be provided to individuals residing in any states other than California.
3Fees may reduce earnings. Early withdrawal penalties apply. $1000.00 minimum.
4Smart Yield Savings Disclosure: The Annual Percentage Yield (APY) for the Smart Yield Savings Account range from 1.75% – 3.55% based on balance tiers. For full details visit Usccreditunion.org/rates. A minimum opening deposit of $100 is required. Fees may reduce earnings.
To earn applicable tiered APY, you must:
Have a qualifying direct deposit totaling at least $2,500 per month via ACH (e.g., payroll, Social Security). Your direct deposit needs to be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®, Bill Pay, Cash Apps, ACH transfers between external bank accounts, etc.) are not considered a direct deposit.
And meet at least one of the following criteria:
- Have a PremiumSpend checking account
- Carry a USC Credit Union consumer loan of $20,000 or more
- Have a mortgage loan of $50,000 or more
- Maintain at least $50,000 in combined share balances, or
- Have an active account with Trojan Wealth Management
If requirements are not met in a given month, the account will earn a non-qualifying rate of 0.15%. Please review our Schedule of Fees for a full list of applicable charges. For complete account terms and conditions, refer to the USCCU Truth-in-Savings disclosures. Must meet membership eligibility requirements. Federally insured by the National Credit Union Administration (NCUA). Rates effective as of 1.13.2026 and are subject to change without notice.
5Fees may reduce earnings.