Credit union · NCUA insured
USC Credit Union
Top CarrotA $719.2M credit union headquartered in Los Angeles, CA, with 74,649 members and 4 branches in California. Best rates: CDs 4.35% and savings 1.30% APY.
USC Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#33 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About USC Credit Union
Founded in 1973 by university employees to fuel members' financial dreams, USC Credit Union is a member-owned cooperative.
After converting to a state charter in 2001, it became a certified Community Development Financial Institution and holds a Juntos Avanzamos designation.
- Headquarters
- 3720 S Flower St FL 4, Los Angeles, CA 90089
- NCUA charter
- 68459
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Los Angeles County are eligible for membership.
- Individuals who live, work, or worship in Orange County are eligible for membership.
Military, government and schools
- Students enrolled in the City of Los Angeles or Orange County (Non-USC) are eligible for membership.
- USC alumni or USC Alumni Association members are eligible for membership.
- USC faculty and staff are eligible for membership.
- Enrolled USC students are eligible for membership.
1 more way to join
Family and household
- Immediate family and household members of existing members are eligible for membership.
Branches
4 branches in California
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California
4 branches
- CUB Branch3720 S Flower St FL 1, Los Angeles, CA 90089Directions
- Campus Center Branch (University Park Campus)3601 Trousdale Pkwy Ste 106, Los Angeles, CA 90089Directions
- HSC Branch1969 Zonal Ave Ste 101B, Los Angeles, CA 90033Directions
- University Village Branch3096 S McClintock Ave Ste 1430, Los Angeles, CA 90089Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.28% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.73% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.49% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $94 | $76 | — |
- CapitalNet worth ratio10.28%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.73%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.49%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$94Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of USC Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.