Credit union · NCUA insured
USC Credit Union Savings Rates
Top CarrotUSC Credit Union’s best savings rate is 1.30% APY on $10,000, with its Value+ Money Market. Rates checked October 17, 2026.
How USC Credit Union’s savings 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
3.55%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $355
Smart Yield Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
USC Credit Union savings score
86
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.30%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.30%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Smart Yield Savings
3.55%APY
To earn applicable tiered APY: must have qualifying direct deposit totaling at least $2,500/month via ACH and meet at least one of: PremiumSpend checking account, USC Credit Union consumer loan of $20,000+, mortgage loan of $50,000+, at least $50,000 in combined share balances, or active account with Trojan Wealth Management. Otherwise earns non-qualifying rate of 0.15% APY. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates as high as 3.55% APY when qualifying relationship and direct deposit criteria met. Non-qualifying rate is 0.15% APY.Any balance | 3.55% | $355 | Rates as high as 3.55% APY when qualifying relationship and direct deposit criteria met. Non-qualifying rate is 0.15% APY. |
Sources (1)
- usccreditunion.org/savings-and-certificates · captured Oct 16, 2026
Value+ Money Market
1.30%APY
Waive the monthly fee by maintaining a daily balance of $10,000 or more.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.10% | — |
| $10,000 – $24,999 | 1.30% | $130 |
| $25,000 – $49,999 | 1.30% | — |
| $50,000 – $99,999 | 1.80% | — |
| $100,000 – $249,999 | 2.00% | — |
| $250,000 – $499,999 | 2.00% | — |
| $500,000 – $999,999 | 2.00% | — |
| $1,000,000 and up | 2.00% | — |
Sources (2)
All captured Oct 17, 2026
Money Market
0.65%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.10% | — |
| $2,500 – $9,999 | 0.60% | — |
| $10,000 – $49,999 | 0.65% | $65 |
| $50,000 – $99,999 | 0.80% | — |
| $100,000 and up | 0.80% | — |
Sources (2)
All captured Oct 17, 2026
Regular Savings
0.05%APY
$3 monthly fee assessed if combined average in all savings, checking, money market, certificate and IRA accounts falls below $100 and account holder has no outstanding USC Credit Union loan balances. Fee waived if under age 25, one monthly $25 deposit occurs, maintain a $100 combined average balance in all deposit accounts, or have an outstanding balance on a consumer loan.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Monthly fee waived if under age 25, deposit $25+/month, maintain $100 combined average balance across deposit accounts, or have an outstanding consumer loan balance. | 0.05% | — | Monthly fee waived if under age 25, deposit $25+/month, maintain $100 combined average balance across deposit accounts, or have an outstanding consumer loan balance. |
| $100 and upMore than $99. Monthly fee waived if under age 25, deposit $25+/month, maintain $100 combined average balance across deposit accounts, or have an outstanding consumer loan balance. | 0.05% | $5 | More than $99. Monthly fee waived if under age 25, deposit $25+/month, maintain $100 combined average balance across deposit accounts, or have an outstanding consumer loan balance. |
Sources (1)
- usccreditunion.org/savings-and-certificates · captured Oct 16, 2026
Special-purpose accounts
IRA Savings
0.20%APY
Available under Traditional IRA and Roth IRA wrappers. No monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.20% | $20 |
Sources (2)
- usccreditunion.org/invest/iras/roth-ira-accounts
- usccreditunion.org/invest/iras/traditional-ira-accounts
All captured Oct 16, 2026
Club Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100 | 0.05% | — | |
| $100 and upMore than $99. | 0.05% | $5 | More than $99. |
Sources (1)
- usccreditunion.org/savings-and-certificates · captured Sep 25, 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.