Featured Savings Rates
Featured Accounts

USE Credit Union

Popular Accounts at this Credit Union

1.60%5-year CD60 Months through 120 Months CD
0.30%1-year CD13 Month Option Rate Term Investment Account
0.10%SavingsAdvantage Saving (Share) Account

Overview / Commentary
10120 Pacific Heights Blvd Ste 100
San Diego, CA 92121

USE Credit Union is headquartered in San Diego and is the 53rd largest credit union in the state of California. It is also the 312th largest credit union in the nation. It was established in 1936 and as of June of 2016, it had grown to 154 employees and 58,401 members at 9 locations. USE Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in USE Credit Union is open to the following: (1) those who live, work, or worship in Alameda, Sacramento, San Diego, Santa Clara, or Yolo Counties in California; (2) employees or retirees of the State of California; (3) employees, retirees, students or Alumni of the University of California and California State University system.
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Reviews (2)

Have Been A Credit Union Member For 20+ Years

Posted by: Anonymous | Jan 5, 2011

Over the course of my 20+ years with the credit union, I have had two 2nd mortgages, personal loans, Visa debit cards, family bank accounts, savings accounts, etc. So I can speak with authority that their products and customer service are superlative. I rarely go into a branch office - but can transact business via phone, mail, internet and the many ATMS (Star) scattered around town. I love the convenience of internet banking, you can do bank reconciliations and transfers very quickly. I love the fact that I always get a live person on the phone who actually resolves my issues right then and there.

Highly recommended!

USE Credit Union

USE CU has convenient full-service and ATM locations onsite at University of California campuses and other major employers that USE serves. I don’t use the full-service location often, but it is nice to have nearby. A big plus is the free (for just 15 minutes) parking next to the branch on the University of California, San Diego campus. Free parking just doesn’t exist on a UC campus!

I’m satisfied overall, but can only rate this CU average, because of my dissatisfaction with the online banking experience and the ATM experience. Unfortunately, the web site and the ATMs are what I use most often to conduct business with USE CU.

The ATMs are my biggest source of dissatisfaction, for the following reasons:

--Users have to select a language every time I access the ATM, even though the language preference of a customer is very unlikely to change over time

--The ATM allows only 1 transaction at a time. After completing any transaction (even an on-screen account balance), you have to end your session, reinsert your ATM card, and log in again. Aside from the tremendous nuisance (a typical stop might include viewing a balance, depositing a check, transferring funds from savings to checking, and withdrawing cash) involved, I believe that the need to enter a PIN multiple times greatly increases the risk that someone watching can learn my PIN.

The online banking is just so-so. Navigation involves too many steps in many cases. Also, there is often some service or another that the CU seems to be pressing on its customers.


Health Grade Components

NCUA #60801
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD4.86%
Annual Interest Income$13.3MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$849.7MM$803.3MM
LoansQ2 2016vs Q2 2015$556.1MM$474.8MM
DepositsQ2 2016vs Q2 2015$754.8MM$717.1MM
Equity CapitalQ2 2016vs Q2 2015$83.3MM$79.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$6.5MM$8.0MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.6MM$3.3MM
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

USE Credit Union Savings Account Rates

0.30%--Holiday Saving Account
0.10%--Regular Saving (Share) Account
0.10%--Advantage Saving (Share) Account
0.10%--Penny Penguin Account
0.10%--IRA Saving Account
0.10%--Roth IRA Saving Account
0.10%--CESA Saving Account
0.10%--SEP IRA Saving Account

USE Credit Union Money Market Rates

0.25%*$250k*-Money Market Advantage Account
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $250k
0.25%*$250k*-Membership Money Market Account
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $250k
0.15%*$100k*-Market Rate Plus Account
OTHER TIERS: 0.10% Up to $100k
0.15%*$100k*-IRA Market Rate Plus Account
OTHER TIERS: 0.10% Up to $100k
0.15%*$25k*-Wall Street Index Account
OTHER TIERS: 0.10% Up to $25k
0.15%*$100k*-Roth IRA Market Rate Plus Account
OTHER TIERS: 0.10% Up to $100k
0.15%*$100k*-CESA Market Rate Plus Account
OTHER TIERS: 0.10% Up to $100k
0.15%*$100k*-SEP IRA Market Rate Plus Account
OTHER TIERS: 0.10% Up to $100k

USE Credit Union Checking Account Rates

0.05%--Premier Membership Checking Account

USE Credit Union CD Rates

1.60%*$10k*-60 Months through 120 Months CD
OTHER TIERS: 1.50% $1k - $2,500 | 1.55% $2,500 - $10k
0.95%*$10k*-36 Months through 59 Months CD
OTHER TIERS: 0.85% $1k - $2,500 | 0.90% $2,500 - $10k
0.90%*$50k*$100k36 Month Option Rate Term Investment Account
OTHER TIERS: 0.80% $10k - $25k | 0.85% $25k - $50k
0.65%*$10k*-24 Months through 35 Months CD
OTHER TIERS: 0.55% $1k - $2,500 | 0.60% $2,500 - $10k
0.60%*$50k*$100k24 Month Option Rate Term Investment Account
OTHER TIERS: 0.50% $10k - $25k | 0.55% $25k - $50k
0.40%--12-Month Add-On Term Investment Account
0.40%*$10k*-12 Months through 23 Months CD
OTHER TIERS: 0.30% $1k - $2,500 | 0.35% $2,500 - $10k
0.30%*$50k*$100k13 Month Option Rate Term Investment Account
OTHER TIERS: 0.15% $10k - $25k | 0.20% $25k - $50k
0.25%*$10k*-6 Months through 11 Months CD
OTHER TIERS: 0.15% $1k - $2,500 | 0.20% $2,500 - $10k
0.20%*$10k*-3 Months through 5 Months CD
OTHER TIERS: 0.10% $1k - $2,500 | 0.15% $2,500 - $10k

USE Credit Union IRA Rates

1.70%--60 - 120 Months IRA
0.65%--24 Month IRA
0.45%--18 Month IRA
0.40%--12 Month IRA

USE Credit Union Locations
Branch Office10175 Rancho Carmel Dr Ste 114San Diego, CA 92128
Branch Office8697 La Mesa Blvd Ste DLa Mesa, CA 91942
Branch Office3100 Gilman DrLa Jolla, CA 92093-5000
Branch Office200 B StDavis, CA 95616
Branch Office2350 Shattuck AveBerkeley, CA 94704
Branch Office8889 Rio San Diego Dr Ste 102San Diego, CA 92108
Branch Office1351 Medical Center Dr Ste AChula Vista, CA 91911
Branch Office5500 Campanile DrSan Diego, CA 92182
Branch Office10120 Pacific Heights Blvd Ste 100San Diego, CA 92121-4205