.png?width=200&height=67&name=Lunar%20New%20Year%20-%20Deposit%20Campaign%20(4).png "Lunar New Year - Deposit Campaign (4)")
Lunar New Year
Ride Into Prosperity
Start the Year of the Horse with confidence. Celebrate good savings habits, grow your deposits, and welcome prosperity in 2026 with our limited-time, 18-Month 4.00% APY1 IRA Certificate.
Plus, visit any USC Credit Union branch to receive commemorative red envelopes* featuring USC's very own Traveler in an exclusive design, while supplies last.
.png?width=600&height=600&name=Lunar%20New%20Year%20-%20Deposit%20Campaign%20(2).png "Lunar New Year - Deposit Campaign (2)")
Ride Into Prosperity
2026 Lunar New Year Red Envelopes
Lunar New Year begins February 17, 2026 and is celebrated across many Asian cultures with family gatherings, festive traditions, and the gifting of red envelopes - often filled with money and shared with loved ones as a symbol of good wishes for the year ahead.
Get Your Year of the Horse Red Envelopes!
Visit any USC Credit Union branch to pick up your complimentary Lunar New Year red envelopes, featuring USC's beloved mascot, Traveler - while supplies last!
*2026 Lunar New Year red envelopes are available at any USC Credit Union branch from January 26, 2026 through February 20, 2026, while supplies last. USC Credit Union members may receive one pack of eight (8) envelopes; non-members may receive one (1) envelope.
Lunar New Year Special
Individual Retirement Account (IRA) Certificate
18-Month 4.00% APY1
Celebrate the Year of the Horse with a strong start to your retirement savings and build momentum for long-term progress. For a limited-time, you can grow your retirement funds with our promotional 18-month 4.00% APY1 IRA Certificate.
New Money Only. Available as a Traditional or Roth IRA.
Open an 18-month 4.00% APY1 IRA Certificate with a low $1,000 minimum opening deposit and lock in a competitive rate today!
| 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 |
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.
.png?width=300&height=71&name=2026%20Lunar%20New%20Year%20Assets%20traveler%20(4).png "2026 Lunar New Year Assets traveler (4)")
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
This Lunar New Year, celebrate the Year of the Horse by building 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 3.50% 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 |
3.25% |
| 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.
Ride Into Prosperity
Lunar New Year Red Envelopes
Pick yours up at a USC Credit Union branch while supplies last*
*2026 Lunar New Year red envelopes are available at any USC Credit Union branch from January 26, 2026 through February 20, 2026, while supplies last. USC Credit Union members may receive one pack of eight (8) envelopes; non-members may receive one (1) envelope.
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.