USC Credit Union Blog

USC Credit Union Blog

2015 Black Friday Shopping Tips

Posted by Cal on Nov 18, 2015 11:00:00 AM

We all know Black Friday offers the best holiday season shopping deals, but they only come to those who are prepared and in the right place at the right time. Here are some tips to help you make the most of the sales and discounts so you get the most bang for your buck.

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Topics: credit cards, credit, usc credit union, usc, shopping, black friday

7 Mistakes to Avoid When Refinancing a Car Loan

Posted by Cal on Apr 21, 2015 9:42:10 AM


If you’re a car owner, maybe you can relate to the “mid-loan crisis:” You’re halfway through paying off your car loan, but you’ve got some regrets about your financing and wish things could have turned out differently. It could be a less-than-ideal interest rate you’ve carried around for the last 36 months, forcing you to spread your dollars a bit too thin. Or, it could just be one of those auto loans where everything is wrong on every possible level, from unnecessary fees to bad warranties.

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Topics: Auto financing

What Students Want From Financial Education

Posted by Cal on Apr 16, 2015 10:13:22 AM


By Katie Jimenez, a junior at West Albany High School

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Topics: Students

It's Not Too Late To Cut Taxes: Open An IRA

Posted by Cal on Apr 14, 2015 4:09:00 PM


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Topics: Retirement Planning

How to Plan the Ultimate Debt Payoff Strategy

Posted by Cal on Apr 7, 2015 9:32:44 AM


Debt can often have a negative connotation, but there are plenty of good reasons to have it – for example, using student loans to increase your earning potential, funding an entrepreneurial venture with a small business loan or going to the “Bank of Mom & Dad” to pay for a move across the country for a great job.

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Topics: student debt

Buy Your First Home With Confidence

Posted by Cal on Apr 1, 2015 10:16:18 AM

How Does A Lender Determine If You Qualify For A Home Loan?

While lenders look at a lot of different information to determine whether you’ll qualify for a home loan, ultimately, it comes down to four things: credit, down payment, income and assets. If any of these areas are not as strong as they should be, don’t be discouraged. Your USC Credit Union home loan expert will provide you with the guidance you need to move to the next level.


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Topics: Home Buyers Guide

5 Ways To Trick Yourself Into Saving More And Spending Less

Posted by Cal on Mar 25, 2015 9:38:14 AM

How much you spend or save is a result of habit. That’s good news, because it means you can trick yourself into saving more. Here’s how.

5 Ways To Trick Yourself Into Saving More And Spend Less
You know that if you do enough abdominal crunches and jumping jacks, your stomach will get stronger and you’ll lose some weight.

According to psychology experts, the mind is just another muscle that works the same way. If you exercise the brain, you can strengthen your financial health, and lose some of that money-related anxiety.

We asked Ryan T. Howell, Ph.D, an Associate Professor in the Psychology Department at San Francisco State University and Co-founder of Beyond the Purchase, a think tank about how and why people spend money, to explain how you can use the power of the mind to trick yourself into buying less, paying down debt, and saving more.

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Topics: spending

Saving Money for Something Big

Posted by Cal on Mar 18, 2015 11:46:43 AM


The process to amass a nice-sized savings account takes time dedication, patience and determination. When a member reaches a respectable savings amount, then comes the process of maintaining and growing it to an amount that didn’t seem possible at the start.

An April 2014 Gallup poll shows that 62% of Americans are enjoying saving more money than spending it. The current personal savings rate in the U.S. is 5.4% as of August 2014, according to the U.S. Bureau of Economic Analysis. Financial experts recommend saving 10 percent of your annual income for financial security.

While not everyone is able to maintain that level of savings, there are steps you can take to learn how to save money and to build a solid savings account.

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Topics: savings

Spring Break Budget Tips

Posted by Cal on Mar 10, 2015 10:22:00 AM

The coming of spring means different things to different people. But for many families and college students, spring break usually means one very important thing: Time to travel! The good news is you can find tons of ways to travel this coming spring without breaking the bank. 

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Topics: education

Rent This, Buy That

Posted by Cal on Feb 25, 2015 11:24:06 AM


To rent or to buy? Doesn’t seem like a very complicated question, does it? Going to Vermont for the weekend? Rent skis. You got a new job? Buy a suit. The permanence of the purchase is the real and underlying variable. You will only need those skis for a few days, but that suit will be around for a long time.

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Topics: spending

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