Usc Credit Union

Headquarters

Po Box 512718
Los Angeles, CA 90051
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 4.01% →
1-Year CD 0.80% 4.65% →
2-Year CD 0.95% 4.73% →
5-Year CD 1.25% 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Credit Union Information

Usc is an NCUA insured institution located in Los Angeles, CA. It was founded in 1973 and has approximately $754.79 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.

NCUA Insured Yes / State-Chartered
Charter Number # # 68459
Date Established 1973
Assets $754.79 million
Loans $489.14 million
Deposits $696.37 million
Capital $62.28 million
 

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 - December 1, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.60% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.80% $100,000 $199,999 Learn More
24 Mo CD
0.85% $10,000 $14,999 Learn More
24 Mo CD
0.95% $100,000 $199,999 Learn More
36 Mo CD
0.95% $10,000 $14,999 Learn More
36 Mo CD
1.05% $100,000 $199,999 Learn More
48 Mo CD
1.05% $10,000 $14,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More
60 Mo CD
1.15% $10,000 $14,999 Learn More
60 Mo CD
1.25% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - December 1, 2022

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
5.758% 5.690% 0.75 $1,858 $1,450 Learn More
Neighbors Bank
NMLS ID:
Learn More
Eligibility.org
NMLS ID: 1907
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.240 %
$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:
Ashburn,Virginia



Climate Initiatives

USC is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
2.82% 4.24

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 June 30, 2022, Usc had $1,769,362 in non-current loans and $11,860 in owned assets. To cover these potential losses it had $62,278,242 in net worth and $920,344 in loans loss reserves. That gives it a Texas Ratio of 2.82%.

Net Worth
Usc U.S. Average
8.25% 12.40%

Usc FCU has a net worth of 8.25% versus the BestCashCow average of 12.40. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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