USC Credit Union Blog

USC Credit Union Blog

Are You Ready for Cyber Monday?

Posted by Cerina Epple on Nov 23, 2016 12:00:00 PM


For those of us who avoid the Black Friday madness and prefer online shopping from the comfort of our beds, there is good news! Cyber Monday is a week away! 

All of the stores on this list not only hosted the best sales over the 3-day Cyber Monday period (from Sunday through Tuesday) last year, but actually topped their Black Friday offers just a few days after the supposed biggest shopping day of the year. As such, we're expecting (and hoping) they will do the same in 2016 and give us a second day of savings to look forward to.

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4 Smart Things to Consider Before Purchasing a Car

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


If you're thinking about purchasing a vehicle soon, you might find that you have a lot more questions than answers. Do I need a great credit score? Should I buy an old or used car? Can I even afford to purchase a car? USC Credit Union offers a FREE eBook called Wheeling & Dealing: What you Should Know Before Buying a Car that addresses many of the questions you might have. 

As a soon-to-be college graduate thinking about making my first car purchase, I found this eBook to be extremely helpful! Here is a summary of my main takeaways.

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Planning the Perfect Black Friday

Posted by Cerina Epple on Nov 18, 2016 11:42:39 AM


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Black Friday has become an iconic day in America, as it traditionally marks the "official beginning of the holiday shopping season." Every year I get excited for Black Friday because it typically is a great opportunity for me to save money on holiday presents for friends and family. But this year I found myself not only thinking about all the Black Friday deals I'm looking foward to capitalize on, but also wondering where the name "Black Friday" comes from. So here's a fun fact for you! After a bit of research, I learned that the term "Black Friday" refers to companies' annual sales being pushed out of the red (loss) and into the black (profit). 

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Happy (budget-friendly) Holidays from USC Credit Union!

Posted by Cerina Epple on Nov 9, 2016 12:17:35 PM

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PSA: The holiday season is right around the corner! There are so many reasons why the holidays are special: pumpkin spice lattes, ugly holiday sweaters, holiday music, yummy food...but my personal favorite is the spirit of the holidays. Holiday spirit encompasses so many good things like joy and cheer, camaraderie, and generosity. 

Gifts are one way we express love and appreciation for one another during the holidays, and this is probably why we tend to be especially generous with our gift-giving during the holidays. In fact, gifts for family and friends are consistently the highest spending category during the holiday season. 

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A Little Comic Relief on Election Day

Posted by Cerina Epple on Nov 8, 2016 2:35:26 PM

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 Have you voted yet? 

Today was a special election day for me because it was my first time voting, ever! It was sort of a funny experience because when I got to my polling place, I realized I had no idea how the process worked. I found myself asking the volunteers silly questions like, "Am I allowed to look at my notes when I vote?" and "Can you show me how this voting contraption thing works?" (If you were wondering the same thing, yes you can look at notes, and there are instructions for the voting contraption in your booth.)

Earlier today, I thought I would feel pretty happy and relieved to have done my civic duty, but after leaving the polling place I actually found myself feeling pretty tense. It was hard accepting the fact that I had done my part, and now all that's left to do is sit and wait for the future of this country to be revealed. 

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Why Great Credit Scores are like Disneyland Annual Passes

Posted by Cerina Epple on Nov 4, 2016 10:46:07 AM

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Good credit scores are like Disneyland tickets, but great credit scores are like Disneyland Annual Passes. Two friends recently gave me the magical gift of a Disneyland Annual Pass. I've been to Disneyland before, but becoming a passholder suddenly made me feel infinitely more special. This is because I know that a Disneyland ticket will allow me to experience the magic of Disney for a day, but Disneyland Annual Passes allow me to experience unlimited, endless, Disneyland magic. Similarly, good credit scores might allow you to obtain certain financial assets, but great credit scores greatly expand your access to financial assets, such as credit cards, auto loans, or even mortgages. Financial institutions use credit scores to determine whether or not people can borrow, and at what interest rate they should borrow at. Credit scores are pretty important, which is why it's necessary that we understand how our scores are being calculated.

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Final FALL into Fitness: The Best Way to EAT Up Your Credit Card Debt

Posted by Cerina Epple on Nov 1, 2016 3:27:48 PM

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What in the world happened to October?

Yesterday, one of my friends said to me “it feels like October began 15 minutes ago.” I totally agree; wasn’t it just yesterday that October began? I completely let the last four weeks slip away from me!

Before I let Fall slip away as well, it is time for the fourth and final FALL into Fitness post!

I wanted my very last fitness tip to be about one of my favorite things to do--eat! I really like eating. I like eating while doing my homework, eating while working, eating while watching tv, eating before I go to sleep...but most of all, I LOVE eating after a long workout. There are very few things more satisfying to me than going on a long run, and then chowing down on yummy food. Which leads to my final fitness tip this year:

Fitness tip 5: Eating within 15 minutes of finishing a workout

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Do Good and Create the Best DIY Costume!

Posted by Cerina Epple on Oct 28, 2016 12:42:23 PM


Halloween is right around the corner; do you have a costume ready? 

DIY (do-it-yourself) costumes are becoming more and more popular, and USC Credit Union + Yoobi want to help you with the costume-making process while also doing good for the community!

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Help USC Credit Union Beat Notre Dame!

Posted by Cerina Epple on Oct 24, 2016 12:20:00 PM

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The USC/Notre Dame rivalry runs deep. The football rivalry, which began in 1926, is considered one of the most important in college football, and is often called the greatest intersectional rivalry in college football. 

From 2002-2009, 2011, and 2014 the Trojans have crushed the Fighting Irish, and every year since, millions of fans tune in to see if once again, USC will demolish Notre Dame's dreams and come out on top. But it's not just our football teams that are competing; every year, our credit unions compete as well. 

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The Not-So-Sweet Truth about Debt and Processed Foods

Posted by Cerina Epple on Oct 21, 2016 11:38:24 AM


 Yesterday at work, I was really drowsy and desperately craving an afternoon pick-me-up, so I devoured a bag of these Trolli Eggs (the most addicting and delicious candy in the whole wide world). I don’t even consider myself to be someone who really enjoys candy, but I LOVE these things. If you like gummy worms, this candy is similar…except much, much, much better. Trolli Eggs are a combination of crunchy, chewy, sweet, sour and fruity all in the shape and size of one, bite-sized, scrumptious, candy egg. I love this candy so much that one time, I biked to a 7-11 three miles away just to buy them. I will even be dramatic and say that this candy has changed my life. But did they change my life for the better?

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