USC Credit Union Blog

USC Credit Union Blog

Is A Credit Union Mortgage Right For You?

Posted by Pierce Conway on Sep 22, 2016 1:00:00 PM

There are many pros to getting a mortgage through a credit union — if you qualify.

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Credit unions have historically offered lower mortgage ratesand closing costs than traditional lenders. Anyone searching for a mortgage to buy a home for sale in Los Angeles, or anywhere across the U.S. can’t turn down that deal. But credit unions also tend to be more conservative in their lending practices, meaning that you might need to jump through more hoops — and have an excellent credit history — to qualify for a loan through one.

Take these pros and cons of a credit union mortgage into consideration when you’re shopping around for a loan — you may find that these loans are the right ones for your home purchase.

 
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Topics: Home Loans, Mortgage

Save on School Supplies and Help Classrooms in Need

Posted by Cerina Epple on Sep 21, 2016 12:00:00 PM

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You Save. We Give. Classrooms Thrive.

Yoobi school supplies. They’re some of the coolest, most colorful pens, pencils and other school essentials you’ll find anywhere. And every Yoobi item you purchase has the power to help brighten the school day for someone else as well—in underprivileged classrooms in our area.

 Yoobi, (pronounced “you-be”) is the innovative school supplies company whose name means “one for you, one for me.” Their commitment to the spirit of sharing and community well-being fits perfectly with our credit union’s values. That’s why we’ve partnered with Yoobi to offer special savings to our members on supplies for your school, home or office purchased through the Yoobi website using our own exclusive code. Save on school supplies and office essentials by going to yoobi.com and using the exclusive discount code CU-USC-10 for 10% off your purchase! 

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How to Graduate From College Debt-Free (and Regret-Free)

Posted by Pierce Conway on Sep 15, 2016 11:00:00 AM

Tips from an author who's been there, done that.

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Heeding the classic advice to write what you know, Kristina Ellis wrote her first book, 2013’s Confessions of a Scholarship Winner, about how she raked in a reported $500,000 in scholarships to put herself through Vanderbilt University and then graduate school. In a just-released sequel, How to Graduate Debt Free, she shares her advice on borrowing (or better yet, not borrowing) to pay for college. MONEY asked Ellis about how students and parents can make the right decisions now—and maybe avoid some big regrets down the road.

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Topics: college

3 Bad Money Habits You Should Finally Kick

Posted by Pierce Conway on Aug 9, 2016 11:00:00 AM

Take these baby steps to get closer to financial freedom.

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When it comes to personal finance, our habits can really make or break us. When we’re able to adopt positive financial habits, the benefits are endless: a better credit score, less financial-induced stress, a bigger savings account balance…the list goes on and on. Unfortunately, many of us have also taken on financial habits that could actually end up hurting us. Here are three financial habits you might want to consider breaking.

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3 Tricks to Living Well While Spending Less

Posted by Pierce Conway on Jul 19, 2016 2:07:00 PM

 

You don't have to live an ascetic life to keep your budget in check.

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The Boring Secret to Getting Rich

Posted by Pierce Conway on Jul 5, 2016 11:00:00 AM

It's boring, but that doesn't mean it's easy.

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The media likes to paint a certain picture of what it means to be rich — huge mansions, expensive cars, high-powered Wall Street or tech-startup-type jobs. If you buy into that image, being rich may feel like an impossible dream.

But the truth is that most “rich” people live very normal lives. You probably wouldn’t even know they were rich if you saw them because they don’t fit the stereotype. Most rich people are a lot like you and me. They just know a secret that, while incredibly effective, isn’t very sexy.

 

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6 Reasons You’re Still in Debt

Posted by Pierce Conway on Jun 28, 2016 1:30:00 PM

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If you don't have a plan, it's hard to reach your goal.

our 2016 New Year’s resolution was to finally pay down all your debt. But it’s now May, and your balance has hardly budged. What’s going on? Here are the top 10 reasons why your debt isn’t dwindling — and what you can do to get debt-free by the end of the year.

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Constructing Our Future - Fall 2016

Posted by Cal on Jun 20, 2016 11:00:00 AM

Wow! The upcoming school year is already just aroud the corner and there is so much to look forward to next fall. 

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So How Do You Actually "College"?

Posted by Cal on Jun 15, 2016 12:00:20 PM

No matter what your impression of college was before you actually arrived on campus and started classes, your preconceived notions inevitably changed. You may have thought you'd have more time to party; you may have thought people would be different; you may have thought the classes would be less stressful. No matter the details, though, you probably thought one thing: that college wouldn't be quite this hard.

Finding little ways to make your college life easier can take some dedication, but with a little work (and consistency), you might be surprised at how a few little changes can make a big difference.

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5 Hottest Travel Trends of Summer 2016

Posted by Pierce Conway on Jun 14, 2016 11:30:00 AM

Roadtrips, national parks, and cheap airfare make the list.

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Topics: travel

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