USC Credit Union
- Company typePrivate
- Founded1973
- HeadquartersLos Angeles, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
USC Credit Union firmographics
Firmographics- Name
- USC Credit Union
- Legal name
- USC Credit Union
- Website
- https://usccreditunion.org
- Company type
- Private
- Founded year
- 1973
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
USC Credit Union industry classification
Industry- Product category
- Community Credit Union Banking
- NAICS
- Credit Unions (522130), Credit Unions (52213)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Student/University Credit Unions (FSABAEAJ)
- akta.pro secondary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
Keywords
Where USC Credit Union is headquartered
LocationHeadquarters
- HQ city
- Los Angeles
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
USC Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain
Revenue model
- Interest Income: The primary revenue stream comes from interest earned on loans including auto loans, home loans, personal loans, student loans, credit cards, and home equity lines of credit. As a not-for-profit cooperative, profits are returned to members through lower loan rates, higher savings rates, and reduced fees.
- Fee-based Services: Revenue generated from various banking fees including account maintenance, overdraft fees, ATM fees at non-network ATMs, wire transfer fees, and other service charges.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Checking accounts with multiple tiers including SimpleSpend (basic), FlexSpend, PremiumSpend (premium with identity protection, cell phone coverage, roadside assistance), CampusSpend (for students), and Trojan Checking |
| Subscription | Monthly | Savings products including Regular Savings, Smart Yield Savings (up to 3.55% APY), Money Market Accounts, and Share Certificates |
| One time/ perpetual license | Pay-as-you-go | New Money 5-Month Certificate with 4.250% APY |
| Transaction based/ take rate | Pay-as-you-go | Student Loan Refinance Cash Back promotion |
| Subscription | Monthly | HELOC Prime -0.10% for new, Prime -0.25% for refinances |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels8 records
USC Credit Union product offering
Product offeringCore offering
USC Credit Union is a not-for-profit financial cooperative that delivers retail and small-business banking products—including checking, savings, certificates, IRAs, credit cards, personal loans, mortgages, HELOCs, auto loans, student loans, and clean energy loans—alongside insurance and wealth advisory services. Its $785 million-asset institution serves 78,000–80,000 members across USC campuses and Los Angeles/Orange Counties through four physical branches, online and mobile banking, and a 30,000+ ATM network.
Product overview
USC Credit Union is a not-for-profit financial cooperative offering a comprehensive suite of banking products and services through a multi-platform approach. The core offerings include multiple checking account variants (PremiumSpend, FlexSpend, SimpleSpend, CampusSpend) and savings products (Smart Yield Savings, Share Certificates, Money Market, IRAs). Business banking includes checking, savings, and money market accounts. Lending products span personal loans, home loans with HELOC options, auto loans, student loans, and clean energy financing (GoGreen Loan). Credit card offerings include Platinum, Platinum Rewards, Student Rewards, and Secured cards. Digital access is provided through Online Banking and the Trojan Hub platform for USC-affiliated members. The credit union emphasizes community focus as a CDFI-certified institution serving Los Angeles and Orange Counties.
Differentiator
Problem solved
Functional benefit
Brands
- PremiumSpend: Premium checking account with identity protection, cell phone coverage, roadside assistance, savings, and everyday perks at no additional cost.
- FlexSpend
- SimpleSpend
- CampusSpend
- Smart Yield Savings
- Trojan Hub
- Trojan Insurance Services
- Trojan Wealth Advisors
- GoGreen Loan
- Driving Clean Assistance Program
Products and services
- PremiumSpend Checking
Quantifiable outcome
- Average annual savings of $1,965 for member households versus California banks
- +2 more outcomes
Companies that use USC Credit Union
Customer profileNamed customers6 records
Segments6 records
Ideal customer profiles5 records
USC Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
USC Credit Union partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Inclusiv (Juntos Avanzamos)coreJuntos Avanzamos designation through Inclusiv recognizing the credit union's commitment to fostering financial inclusion, accessibility, and cultural services for Latino and immigrant communities.
- InclusivcoreInclusiv is a national nonprofit and certified CDFI intermediary. USC Credit Union was selected for the inaugural CCIA sub-awardee cohort to expand clean energy lending to low-income and disadvantaged communities. Inclusiv supports mission-driven credit unions advancing financial inclusion.
- Los Angeles County Department of Economic Opportunity (DEO)corePartnership to identify and refer wildfire survivors who lost homes, jobs, or stability to the Southern California Wildfire Relief Fund for emergency cash assistance.
- Los Angeles County America's Job Center of California (AJCC)corePartnership through the Southern California Wildfire Relief Fund to connect wildfire survivors with emergency cash assistance and employment services.
- California Air Resources Board (CARB)coreGovernment partner in the Driving Clean Assistance Program (DCAP) providing subsidies and low-interest financing for income-qualified residents to purchase clean vehicles and install home chargers.
- Notre Dame Federal Credit UnionminorAnnual Charity Challenge partnership where both credit unions pledged $5,000 with the winning team's donation doubled to $10,000 for their respective charities.
- The RightWay FoundationcoreTwo-year partnership delivering financial literacy programs to foster youth aging out of the system in Los Angeles County. The 10-month program provides financial education, mentorship, and personal financial goal setting.
- Housing Authority of the City of Los Angeles (HACLA)corePartnership to deliver financial literacy initiatives to residents of Nickerson Gardens public housing community in Los Angeles.
- Community Housing Development Corporation (CHDC)corePartnership through the Driving Clean Assistance Program (DCAP) with California Air Resources Board (CARB) to help income-qualified residents access low-interest loans and subsidies for clean vehicles and home chargers.
- Trojan Insurance ServicescoreProvides insurance products and services including auto, home, life, and business insurance through Trojan Insurance Services located at the Campus Center Branch.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
USC Credit Union competitors and assessment
Company assessmentDirect peers
- SchoolsFirst Federal Credit Union: California-based credit union serving K-12 and community college educators and employees — analogous educational-affinity credit union with regional California presence, similar CDFI-style mission footprint.
- Stanford Federal Credit Union: Stanford-affiliated credit union serving the Stanford University community with similar checking, lending, and wealth products to USC Credit Union's Trojan offerings — direct university-credit-union peer.
- UCLA Federal Credit Union: Credit union serving UCLA students, faculty, staff, alumni, and broader LA County residents — directly comparable university credit union operating in the same Los Angeles market as USC Credit Union.
- MIT Federal Credit Union: MIT-affiliated credit union serving the MIT community with full banking, lending, and investment products — strong direct comparable in the university-affiliated credit union model.
- Self-Help Federal Credit Union: Federally chartered CDFI credit union focused on underserved communities and inclusive lending — closely aligned with USC Credit Union's CDFI mission, Juntos Avanzamos-style community focus, and clean energy lending programs.
- Notre Dame Federal Credit Union: University-affiliated credit union serving Notre Dame students, faculty, staff, and alumni — direct comparable in mission, membership model, and brand-driven GTM. USC Credit Union even partnered with Notre Dame FCU for a 2024 Rivalry for a Cause charity challenge.
Broad incumbents
- Bank of America: One of the largest US commercial banks competing for the same LA/Orange County retail and student banking market — broad incumbent overlap on checking, savings, credit cards, HELOC, and student loans where USC Credit Union benchmarks its $1,965 annual member-savings claim.
- Chase Bank: Major national bank with significant LA presence and strong student/young-professional onboarding programs — broad incumbent competing for the same USC student and LA resident demographic.
Regional players
- Alliant Credit Union: Large US digital-first credit union with competitive deposit and lending products — comparable in offering breadth (checking, savings, lending, digital channels) but serves a national geographic footprint rather than the USC/LA community niche.
- Logix Federal Credit Union: Southern California-based credit union serving LA-area professionals and families with full banking products — comparable regional competitor operating in USC Credit Union's core Los Angeles/Orange County service area.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
USC Credit Union social profiles
Digital presenceUSC Credit Union compliance and trust
Trust signalCompliance4 records
USC Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
USC Credit Union leadership team
Management profileNumber of profiles
Profiles7 records
USC Credit Union subsidiaries and ownership
Company hierarchySubsidiaries3 records
USC Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
USC Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about USC Credit Union
What does USC Credit Union do?
USC Credit Union is a not-for-profit financial cooperative that delivers retail and small-business banking products—including checking, savings, certificates, IRAs, credit cards, personal loans, mortgages, HELOCs, auto loans, student loans, and clean energy loans—alongside insurance and wealth advisory services. Its $785 million-asset institution serves 78,000–80,000 members across USC campuses and Los Angeles/Orange Counties through four physical branches, online and mobile banking, and a 30,000+ ATM network.
Is USC Credit Union a public or private company?
USC Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was USC Credit Union founded?
USC Credit Union was founded in 1973. It employs 101 to 250 people.
Where is USC Credit Union based?
USC Credit Union is headquartered in Los Angeles, United States, in the North America region.
How does USC Credit Union make money?
Two revenue lines are on record. Interest Income is the primary driver. The others are fee-based Services.
Who are USC Credit Union's main competitors?
Direct peers on record are SchoolsFirst Federal Credit Union, Stanford Federal Credit Union, UCLA Federal Credit Union, MIT Federal Credit Union, Self-Help Federal Credit Union and Notre Dame Federal Credit Union. Broad incumbents are Bank of America and Chase Bank. Regional players are Alliant Credit Union and Logix Federal Credit Union.
Does USC Credit Union have an API?
No public API is recorded for USC Credit Union.
What industry is USC Credit Union in?
USC Credit Union's product category is Community Credit Union Banking. Its primary akta.pro industry code is FSABAEAJ, Student/University Credit Unions, with a secondary code of FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 522130 and its SIC code is 6022.