USC Credit Union Blog

USC Credit Union Blog

Stop Making These 5 Car Buying Mistakes

Posted by Sydney on May 2, 2019 2:00:00 PM

Shopping for a new car has never been easier. 

There’s never been greater access to information on everything from make, model, fuel efficiency, past accidents and more to help you make the right decision.

Yet, consumers continue to make the same buying mistakes. 

Are you guilty of these? 

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Welcome Home! 5 Reasons Why You Should Buy Your Home Instead of Renting It

Posted by Brianna Seaberg on Jan 24, 2019 2:00:00 PM

You Can Make Your Space Your Own

Nothing is worse than being stuck in a home where all of the walls are white and you can’t even make your space your own. Owning a home will allow you to paint the walls how’d you like and make any changes you want to make your living space more customized and comfortable.

You Can’t Get Kicked Out By a Landlord

Renters can get an eviction notice unexpectedly if the owner decides to sell the home or rent it to others at any point of time. Owning your home could relieve this unnecessary stress and conflict that can come out of getting kicked out of your living space.

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USSCU Values its Members

Posted by Pierce Conway on Jan 31, 2017 4:00:00 PM

 

 

 

Who you choose to bank with is a very important decision. There needs to be a rapport of trust, accessibility, and communication between you and your financial institution. At USC Credit Union our account holders are not customers, they are member-owners of the credit union. As a not-for profit, our excess earnings are returned to our members in the form of better rates and lower fees. Our members are part of the integrated family of USC students, faculty, staff, alumni and members of the LA and OC communities. Building trust starts with understanding who we are, what we stand for and what matters to us most.  Whether you are already a member or still researching, please take a moment to read and reflect on our Core Values.  These are just words on a plaque.  This is what we value and this is why we come to work every day. 

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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.

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ATM, Overdraft Fees Surge to Record Highs

Posted by Cal on Oct 9, 2014 3:50:00 PM

Fees for using out-of-network ATMs rose 5% over the past year and are up 23% over the past five years, according to Bankrate.com’s 17th annual checking survey. The average cost to consumers going outside their network is now $4.35 per transaction, a new high, and the eighth consecutive record-breaking year.

The average ATM surcharge jumped 7% to $2.77 per transaction, also a record high. The average surcharge has increased for 10 consecutive years. The most common fee is $3. Every institution Bankrate surveyed charges non-customers for usage.

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Friendly Credit Unions Are Now 100 Million Members Strong

Posted by Alexa on Sep 8, 2014 1:52:00 PM

There are now 100 million credit union members across the U.S., the Credit Union National Association announced Tuesday. Combined, credit unions have $1.1 trillion in assets. And credit unions are attracting millennials at a rapid pace, which is good news for the future.

But even if they are no longer a tiny corner of the banking universe, credit unions remain small when compared to commercial banks, which hold $14.8 trillion in assets. Despite their rapid growth, credit unions still represent only 7.4 percent of banking assets. To put things in perspective, JP Morgan Chase (JPM) and Bank of America (BAC) have combined assets of $4.5 trillion: two banks have four times the assets of all the nation's credit unions combined.

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Driving Character on a Budget: Cool Cars Under $25k

Posted by Melissa on Apr 30, 2014 11:30:00 AM

10 Great Cars Under $25K

Kelley Blue Book has compiled a list of the 10 coolest cars priced at under $25,000, with something for just about every taste and age bracket.

#1 The company’s #1 pick is the Scion FR-S. This sporty model features rear-wheel-drive, 200 h.p. and an available 6-speed manual transmission. It’s relatively svelte for a new car, at around 2,800 lbs., and Car and Driver reckons that it’s good for 0-60 sprints in around 6 seconds. Very cool.

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Flags and Fenders

Posted by Melissa on Apr 12, 2014 10:00:00 AM
 
A look at what red flags should cause you to throw up the white flag when buying a used car. Click "Read More" to watch the video!
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Building a Budget

Posted by Melissa on Apr 10, 2014 10:30:00 AM

Building a budget it sort of like building a house. Check out this video that provides some tips on how to make the most out of building your budget. Click "Read More" to watch!

 

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What is Credit and Why Do I Care?

Posted by Melissa on Mar 25, 2014 2:25:00 PM

Video-Play-Photo

Here's a helpful video explaining why credit is important even if you are too young to need it. Click Read More to watch!

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