USE Credit Union

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

USE Credit Union is headquartered in San Diego and is the 52nd largest credit union in the state of California. It is also the 336th largest credit union in the nation. It was established in 1936 and as of June of 2021, it had grown to 177 employees and 59,628 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 reside, worship, or work in Alameda, San Diego, Sacramento, Yolo, or Santa Clara 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. (A full list of requirements is posted in the credit union's online account opening process)
See current membership details

Reviews (4)

University and State Employees Credit Union

I joined this Credit Union shortly after I graduated from University of California San Diego. They have always treated me with courtesy and respect. My one complaint is that several times over the course of the years, they have send me mailed advertisements. I have emailed, called, written and even gone into the branch. I cannot seem to get them to stop this practice. Like other banks, the transaction time between requesting an online check and the delivery of that check to the payee is so long it is almost unexplainable. The statements are easy to read and customer service is great overall.

Have Been A Credit Union Member For 20+ Years

Posted by: |

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.

Worst Bank Ever That Will Put You Through Living Hell!!!

Posted by: |

The absolute worst bank ever!!! They constantly put my money in other people's accounts and deposited less then the amounts that I deposited constantly!! When I complained I got the worst customer service that you have ever seen in your whole entire life. Everyone is extremely rude especially corporate!!! Save yourself the living hell of being at this Bank!!! Run, run as fast as you can to get away from this horrible horrible bank!!!! They will make your life a living hell and ruin you financially while losing your money!!!


Health Grade Components

NCUA #60801
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.56%
Annual Interest Income$15.7MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$1.23B$1.11B
LoansQ2 2021vs Q2 2020$714.4MM$772.1MM
DepositsQ2 2021vs Q2 2020$1.11B$944.0MM
Equity CapitalQ2 2021vs Q2 2020$104.4MM$104.0MM
Loan Loss AllowanceQ2 2021vs Q2 2020$4.4MM$5.4MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$1.1MM$2.3MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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Always verify rates and promotions with the bank or credit union. We are not USE Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.05%--Regular Saving (Share) Account
0.05%--Advantage Saving (Share) Account
0.05%--Penny Penguin Account
0.05%--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 - $50k | 0.20% $50k - $250k

USE Credit Union Checking Account Rates

0.05%--Premier Membership Checking Account

USE Credit Union CD Rates

1.15%*$10k*-60 Month through 120 Month CD
OTHER TIERS: 1.00% $1k - $2.5k | 1.05% $2.5k - $10k
0.90%*$50k*$100k36 Month Option Rate Term Investment Account
OTHER TIERS: 0.80% $10k - $25k | 0.85% $25k - $50k
0.85%*$10k*-36 Month through 59 Month CD
OTHER TIERS: 0.75% $1k - $2.5k | 0.80% $2.5k - $10k
0.70%*$10k*-24 Month through 35 Month CD
OTHER TIERS: 0.65% $1k - $10k
0.60%*$50k*$100k24 Month Option Rate Term Investment Account
OTHER TIERS: 0.50% $10k - $25k | 0.55% $25k - $50k
0.55%*$10k*-12 Month through 23 Month CD
OTHER TIERS: 0.50% $1k - $10k
0.40%$250-12-Month Add-On Term Investment Account
0.40%*$10k*-6 Month through 11 Month CD
OTHER TIERS: 0.30% $1k - $10k
0.30%*$10k*-3 Month through 5 Month CD
OTHER TIERS: 0.20% $1k - $10k
0.30%*$50k*$100k13 Month Option Rate Term Investment Account
OTHER TIERS: 0.15% $10k - $25k | 0.20% $25k - $50k

USE Credit Union IRA Rates

1.15%$1k-60 - 120 Month IRA
0.80%$1k-24 Month IRA
0.70%$1k-18 Month IRA
0.65%$1k-12 Month IRA

USE Credit Union Locations
Branch Office10175 Rancho Carmel DrSan Diego, CA 92128
Branch Office3100 Gilman DrLa Jolla, CA 92093-5000
Branch Office200 B StDavis, CA 95616
Branch Office2350 Shattuck AveBerkeley, CA 94704
Branch Office1351 Medical Center DrChula Vista, CA 91911
Branch Office5500 Campanile DrSan Diego, CA 92182
Branch Office10120 Pacific Heights Blvd Ste 100San Diego, CA 92121-4205
Branch Office8216 Parkway DrLa Mesa, CA 91942
Branch Office1652 Camino Del Rio NSan Diego, CA 92108

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