2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 68459
Date Established 1973
Assets $565.47 million
Loans $475.04 million
Deposits $512.60 million
Capital $47.80 million

Usc is an NCUA insured institution located in Los Angeles, CA. It was founded in 1973 and has approximately $565.47 millions in assets.

Who can join?

The field of membership shall be limited to those having the following common bond:
• Employees, faculty, staff, alumni and enrolled students of the University of Southern California.
• Members of the USC Alumni Association.
• Any and all persons, who live, regularly work, currently attend school or currently worship in the City of Los Angeles, California, as well as any and all businesses, corporations, and other legal entities in the City of Los Angeles, California. Such City’s geographic boundary is currently represented by its city limits, and the following current zip codes:
90001-90084 90247-90248 91042 91356
90086-90089 90272 91316 91401-91403
90091 90291 91324-91326 91405-91406
90093-90097 90502 91331 91411
90099 90710 91335 91423
90101-90103 90731-90732 91340 91436
90174 90744 91342-91345 91601
90185 91040 91352 91604-91607







• Employees of Woodbury University who work in Burbank, California.
• Employees of Los Angeles Child Guidance Inc. who work in Los Angeles, California.
• Employees of Doheny Eye Institute who work in Los Angeles, California.
• Employees of John Tracy Clinic who work in Los Angeles, California.
• Employees of Kenneth Norris Jr. Cancer Hospital who work in Los Angeles, California.
• Employees of Health Research Association who work in Los Angeles, California.
• Employees of the Mann Institute who work in Los Angeles, California.
• Persons within the immediate family of a member, as defined by this Credit Union’s Board of Directors. “Immediate Family” shall include spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, and any adopted relationship.
• The surviving persons within the immediate family of a deceased member.
• “Household members” of a member, as such terms is defined by the Board of Directors, and which shall include domestic partners. “Household members” means a person living in the same residence and maintaining a single economic unit (participating in the maintenance of the household), which includes a “significant other,” “domestic partner,” roommate, legal guardian, and/or live-in nanny or helper. “Domestic Partner” is a person who can demonstrate such fact by any reasonable evidence, such as for example, a “certificate of domestic partnership,” joint ownership in property or investments, and/or other evidence of maintenance of a single economic unit, including joint debt.
• Persons retired as pensioners or annuitants from any of the groups listed herein;
• Employees of this Credit Union.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in the City of Los Angeles or Orange County, California. Membership is also open to employees, students, or faculty of the University of Southern California and to members of the USC Alumni Association.

Deposit Rates - September 24, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.60% $2,500 $9,999 Learn MoreShow Less
Money Market
0.70% $10,000 $49,999 Learn MoreShow Less
Premium Money Market Account
1.75% $10,000 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.65% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.65% $1,000 $50,000 Learn MoreShow Less
6 Mo CD
1.20% $1,000 $50,000 Learn MoreShow Less
12 Mo CD
1.60% $1,000 $50,000 Learn MoreShow Less
24 Mo CD
1.80% $1,000 $50,000 Learn MoreShow Less
36 Mo CD
1.85% $1,000 $50,000 Learn MoreShow Less
48 Mo CD
2.00% $1,000 $50,000 Learn MoreShow Less
60 Mo CD
2.10% $1,000 $50,000 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.20% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $750 - Learn MoreShow Less

Loan Rates - September 24, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for USC

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.526% 3.500% 0.38 $805 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to USC
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Usc branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Usc Locations


Financial Details

Usc Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Usc. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Usc U.S. Average
4.89% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Usc had $2,409,195 in non-current loans and $72,103 in owned assets. To cover these potential losses it had $47,799,918 in net worth and $2,942,025 in loans loss reserves. That gives it a Texas Ratio of 4.89%.

Net Worth
Usc U.S. Average
8.81% 13.47%

Usc FCU has a net worth of 8.81% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Usc

Branches and Savings

What is Usc?

A federal credit union, registered with the NCUA under certificate #68459.
Learn more about credit unions here.

Is Usc FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Usc?

Please see Field of Membership information above for information on who is eligible to join.

What are Usc's share account and share certificate rates?

Usc's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Usc?

Usc has total capital of $47.80 million. Full information on Usc's financial position is located above.

Who owns Usc?

Credit Unions are owned by their members.

Where are Usc branches located?

See branch locations nearby.

Are Usc ATMs Open 24/7?

Do Usc ATMs accept cash deposits?

Can Usc customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Usc have a mobile app?

Does Usc have mobile deposit?

Does Usc have quick pay?

How can Usc transfer money to other banks or credit unions?

Does Usc report to credit bureaus?

Does Usc use Chexsystems?

Does Usc use Equifax?

What is Usc's toll free phone number?

What is Usc's ACH Routing Number?

What is Usc's SWIFT code?

Where can I find Usc's wire transfer form?

What is the Usc address for deposits?

What Products Does Usc Offer

Does Usc offer mortgages?

Compare mortgage rates here.

Does Usc offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Usc offer auto and RV loans?

Compare auto loan rates here.

Does Usc offer student loans or personal loans?

Compare personal loan rates here.

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