USC Credit Union Blog

USC Credit Union Blog

Writing a Good Offer

Posted by Cal on Dec 18, 2014 12:00:00 PM

writing a good offer

I like to have the best shot possible of getting my offers accepted when I am presenting them and in most cases it is a multiple offer situation so there is no room for mistakes. I always think of the presentation as a job interview and so other than possibly the price I can always be best. Here are some simple things I like to do to increase my odds.

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Topics: financial education

Planning for Life Changes in 2015

Posted by Cal on Dec 8, 2014 11:22:10 AM


(Photo courtesy of L.A. Car Connection) 

Is your insurance adequate for your 2015 life changes? The Smith family experienced sticker shock when their oldest child began driving. Their insurance premiums skyrocketed. While they knew that adding a teen driver to the account would cost more, they didn’t realize how much more. Life changes can impact your finances. Make sure your insurance policies match your 2015 life changes.

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Topics: Insurance Services

Find Great Deals With These Cyber Monday Shopping Tips

Posted by Cal on Nov 30, 2014 3:00:00 PM



Cyber Monday is like Black Friday. It’s another day of discounts and deals that you can’t wait to take advantage of on items you want. The difference is you can sit at home in your pajamas and sip a cup of hot chocolate while shopping. Cyber Monday features online deals from dozens of retailers with brick and mortar stores and stores based solely online. Some participating retailers in Cyber Monday include:

  • JCPenney
  • Kohl’s
  • and many others!
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Topics: usc credit union, usc, cyber monday, holiday shopping

Unforgettable Trojan Experience Sweepstakes Winners

Posted by Cal on Nov 26, 2014 12:00:00 PM

As a part of our committed partnership with USC Athletics, we offered USC fans the chance to win a once in a lifetime Trojan experience to the USC vs. Notre Dame game on Novemeber 29th, 2014. The winners will receive: 

  • 2 passes to the Fox Sports Tailgate 
  • 2 sideline passes to the USC vs. Notre Dame game 
  • The opportunity to join legendary Voice of the Trojans, Pete Arbogast in the radio booth and call the first play of the second half live on the air!

Last week the winners were announced and we would like to say congratulations to Ryan McCoy and his son Van for winning our USC Credit Union Unforgettable Trojan Experience!


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Topics: usc credit union, usc, Beat ND Challenge, auto loans

Credit Unions Ranked Number One in Consumer Satisfaction

Posted by Cal on Nov 25, 2014 2:00:00 PM


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Topics: usc credit union, usc, join, join usc credit union, membership

2014 Black Friday Shopping Tips

Posted by Cal on Nov 17, 2014 5:21:00 PM

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

Qualifying for a Home Loan

Posted by Cal on Nov 14, 2014 3:46:52 PM

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Topics: Home Buyers Guide, Home Loans, Mortgage, First Time Home Buyer, usc credit union, usc

The 4 Reasons Your Institution Should Offer Guaranteed Asset Protection

Posted by Cal on Nov 5, 2014 4:52:00 PM

Guaranteed Asset Protection (GAP) is an important vehicle protection product because most primary auto insurers only cover the Actual Cash Value (ACV) of a vehicle—not the  outstanding loan balance. This means, if a member’s car is declared a total loss because of an accident or theft, their insurance settlement may not be enough to cover the amount they still owe their financial institution, potentially leaving thousands of dollars for them to pay out-of-pocket for a vehicle they can no longer drive.

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Topics: usc credit union, usc, GAP, GAP Insurance

How Much Should Be In Your 401(k) At 30?

Posted by Cal on Oct 30, 2014 3:34:00 PM

What should your contribute to your 401(k)? How much should you have invested for retirement at 30, 40, 50, etc? These are good questions. Here, I try to answer them, but I should warn you:

Personal finance is PERSONAL!

The more you can contribute to your 401(k) and the sooner you can start, the better. But everybody’s situation is different. Don’t beat yourself up if you feel “behind” in the retirement game…remember, you can’t change yesterday but you can TAKE ACTION today and change tomorrow.

So while we’ll get to how much you should have in your 401(k) at 30, 40, 50, etc…let’s start with the more important question:

How much should your contribute to your 401(k)?

The answer? As much as you comfortably (and legally) can!

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Topics: usc credit union, usc, financial planning, 401(K), investment services, personal finance

Beyond the Basics

Posted by Cal on Oct 27, 2014 5:11:00 PM


As you know, managing your money is more than just opening an account. Keeping accurate track of deposits and withdrawals is essential, and perhaps you’d like to set up some recurring payments so you have a few less things to remember each month. That’s where our online banking services come in. We’ve got you covered at home and on the go! With USCCU’s Online Banking services, your accounts are always accessible. You can get cash, pay bills, and manage your money at your convenience using our 24-hour electronic services, such as:

Home Banking

Skip the branch visit and take care of your banking from the comfort of home! Right from your desktop, you can securely transfer funds between your USC Credit Union accounts and other financial institutions, as well as pay bills, access your accounts, and more.

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Topics: Students, usc credit union, usc, financial education, student ebooks

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