Credit union · NCUA insured
USC Credit Union CD Rates
Top CarrotUSC Credit Union’s best CD rate is 4.35% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How USC Credit Union’s CD rates compare
Compared with banks and credit unions near Los Angeles, CA, where USC Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
USC Credit Union
4.35%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $2,373
Share Certificates
Top rate
Schools Federal Credit Union
5.90%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $590
2nd-highest rate
LA Healthcare FCU
4.86%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $486
USC Credit Union CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.35%
- QualifiedQualified4.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where USC Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.35%APY · 7 terms
Invest as little as $1,000. $1,000 minimum deposit. Pays a bonus rate on certificates of $50,000 or more (excluded from promotional certificate offers). PremiumSpend checking account owners receive an additional 0.25% APY / dividend rate bonus. Early withdrawal penalties apply. Rates may vary after account is opened.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum opening deposit $1,000. Early withdrawal penalties apply | 3.50% | $86 |
| 6 monthsMinimum opening deposit $1,000. Early withdrawal penalties apply | 3.75% | $186 |
| 12 monthsMinimum opening deposit $1,000. Early withdrawal penalties apply | 4.10% | $410 |
| 24 monthsMinimum opening deposit $1,000. Early withdrawal penalties apply | 4.25% | $868 |
| 36 monthsMinimum opening deposit $1,000. Early withdrawal penalties apply | 4.30% | $1,346 |
| 48 monthsMinimum opening deposit $1,000. Early withdrawal penalties apply | 4.30% | $1,834 |
| 60 monthsMinimum opening deposit $1,000. Early withdrawal penalties apply | 4.35% | $2,373 |
Sources (2)
All captured Oct 17, 2026
Special-purpose accounts
IRA Certificate
Up to 4.40%APY · 5 terms
Open with $1,000 minimum balance for Certificate. USC Credit Union pays a bonus rate on most certificates over $50,000 (excluded from promotional certificate offers). Early withdrawal and IRS penalties may apply for premature withdrawals. Rates may vary after account is opened. Pay no monthly service charge.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$1,000 minimum opening balance. Early withdrawal and IRS penalties may apply | 4.15% | $415 |
| 24 months$1,000 minimum opening balance. Early withdrawal and IRS penalties may apply | 4.30% | $878 |
| 36 months$1,000 minimum opening balance. Early withdrawal and IRS penalties may apply | 4.35% | $1,363 |
| 48 months$1,000 minimum opening balance. Early withdrawal and IRS penalties may apply | 4.35% | $1,857 |
| 60 months$1,000 minimum opening balance. Early withdrawal and IRS penalties may apply | 4.40% | $2,402 |
Sources (2)
- usccreditunion.org/invest/iras/roth-ira-accounts
- usccreditunion.org/invest/iras/traditional-ira-accounts
All captured Oct 17, 2026
Who can join USC Credit Union
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.
Membership information collected October 5, 2026.