USC Credit Union Blog

USC Credit Union Blog

Rent This, Buy That

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

rent-this-buy-that-article

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.

Read More

Topics: spending

Why 2015 Is the Year to Switch to a Credit Union

Posted by Cal on Feb 19, 2015 9:21:12 AM

Credit unions have become more competitive with the nation's banks. They can open accounts for almost anyone, even businesses, write mortgage loans, and generally provide any basic banking service that for-profit banks can.

And over time, credit unions have become fiercely competitive. Their not-for-profit status allows them to operate without a goal of profitability. Their tax-free status means they don't have a huge expense that taxed, for-profit banks have to pass on to their customers. Without the need to generate a profit, or pay taxes, credit unions have a massive advantage on the banks -- an advantage that can benefit the customer.

Read More

Topics: join a credit union, financial education

A Guide To Breaking Up With Your Bank

Posted by Cal on Feb 13, 2015 11:50:26 AM

You’ve decided: It’s time to ditch your bank. But are you ready to make the switch?

There are plenty of reasons for wanting to change banks. Maybe you’re fed up with paying ATM fees, so you want a bank with branches closer to home or work. Or you found an account with a credit union or a smaller bank that promises better customer service or charges fewer fees.

Whatever the deciding factor, many people who think about changing banks end up staying put — often because of worries about the work involved. “It takes a little bit of time and effort,” says Greg McBride, chief financial analyst for Bankrate.com. “There’s a natural tendency to cringe at the thought of it.”

Indeed, people who aren’t careful when they make the change can face steep fees for missed payments, unnecessary money transfers and overdrafts. Here are some tips for breaking up with your bank.

Read More

Topics: Credit Unions, financial future, financial education

15 Tips to Save on Valentine’s Day

Posted by Cal on Feb 4, 2015 9:28:57 AM

The sexiest way to save on Valentine’s Day? Do the seemingly impossible: spend less and get more.

Valentines-Day-Gift-Trends

Read More

Topics: money tips, usc, holiday shopping

Enter the TurboTax $25K Giveaway!

Posted by Cal on Jan 28, 2015 9:05:00 AM

This year, make sure your taxes are done right and get a chance to win big. Try any TurboTax® Online product for free and you’ll be entered into the TurboTax $25K Giveway.1

TurboTax_Sweeps_Facebook

  • All you need to know is yourself. TurboTax translates taxes into simple questions about your life and puts everything in the right forms for you.
  • You won’t miss a thing. TurboTax searches over 350 deductions and credits, so you can be confident you’re getting the biggest refund you deserve.
  • Double checks as you go. TurboTax runs error checks and a final review of your return to help make sure your taxes are done right.
Read More

Topics: Taxes

Running the LA Marathon? Keck Medicine of USC Want to Help!

Posted by Cal on Jan 23, 2015 10:30:00 AM

Keck Medicine of USC wants your marathon experience to be a healthy one. Check out these tips for running your best race!

Read More

Topics: Planning Ahead

Tax Changes for 2015

Posted by Cal on Jan 21, 2015 10:21:12 AM

What's New in the Ever-Evolving U.S. Tax Code.

Ben Franklin Photo: DonkeyHotey

It’s nearly impossible to talk about taxes without remembering Benjamin Franklin’s observation: “In this world, nothing can be said to be certain, except death and taxes.”

Read More

A Message From Our Trusted Leader

Posted by Ivonet on Jan 14, 2015 9:32:30 AM

gary_article

Welcome to a New Year, and new opportunities! What are your plans for 2015? (I’ll avoid the word “resolution” because all too often it’s a synonym for “Starts in January and lasts maybe six weeks.”)

First of all, let's go back to November 2014 when USC Credit Union beat Notre Dame Federal Credit Union in our second annual Credit Union Charity Challenge. In the end, USC Credit Union beat Notre Dame FCU by receiving 75 more auto loan applications, winning $10,000 for USC’s Good Neighbors Campaign. I would like to say congratulations to all our members and extend our gratitude and appreciation for your involvement. I am personally very proud of the hard work and dedication shown by the USC Credit Union family and Trojans nationwide.

Read More

Topics: financial future, education, auto loans, newsletter

Why a New Year’s Resolution to Save More May Actually Work

Posted by Cal on Jan 2, 2015 12:00:00 PM

The economy is up, and New Year's Resolutions are on the decline. Too bad, because making a financial commitment can really help you reach your goals.

piggy bank in confetti

Most New Year’s resolutions are pointless. Only one in 10 people stick with them for a year, and many folksdon’t last much more than a month. But as 2015 approaches, you might consider a financial New Year’s resolution anyway. Those who resolve to improve their money behavior at the start of the year get ahead at a faster rate than those who do not, new research shows.

Among those who made a financial resolution last year, 51% report feeling better about their money now, according to a new survey from Fidelity Investments. By contrast, only 38% of those who did not make a money resolution said they felt better.

Read More

Topics: financial future

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.

Read More

Topics: financial education

Welcome to our Blog!

We provide the tools to build a smart financial future.

At USC Credit Union we put financial success in your hands. It's your future. Own it.

Subscribe

Topics

see all

Follow Us