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USE Federal Credit Union


Overview / Commentary
www.usecreditunion.org
405-685-6200
4301 S Interstate 44
Oklahoma City, OK 73119

USE Federal Credit Union is headquartered in OKLAHOMA CITY and is the 15th largest credit union in the state of Oklahoma. It is also the 1,176th largest credit union in the nation. It was established in 1938 and as of September of 2019, it had grown to 52 employees and 17,964 members at 5 locations. USE Federal Credit Union's CD rates are 89% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in USE Federal Credit Union is open to all residents of the state of Oklahoma by joining the Friends of the Metro Library System ($10 fee). Membership is also open to the following: (1) employees of the U.S. Postal Service, regardless of residency; (2) Federal employees who live or work in the Oklahoma counties of Canadian, Cleveland, Grady, Kingfisher, Logan, or Oklahoma; (3) Family members or household members of current USEFCU members.
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Health
A+

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #2744
Year Chartered1938
Employees52
Primary Regulator
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD6.82%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$173.9MM$167.0MM
LoansQ3 2019vs Q3 2018$121.3MM$121.9MM
DepositsQ3 2019vs Q3 2018$151.6MM$146.6MM
Equity CapitalQ3 2019vs Q3 2018$20.7MM$18.6MM
Loan Loss AllowanceQ3 2019vs Q3 2018$989.00K$946.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$363.00K$320.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$17.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

USE Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$25-Share Account

USE Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$100k*-Money Market Share Account
OTHER TIERS: 0.50% → $2k - $25k | 0.60% → $25k - $100k

USE Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*-$10kKasasa Cash
OTHER TIERS: 0.25% → $10k+
0.10%--Share Draft Account

USE Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$100k*-48 Month Share Certificate
OTHER TIERS: 2.30% → $500 - $50k | 2.40% → $50k - $100k
2.30%*$100k*-36 Month Share Certificate
OTHER TIERS: 2.10% → $500 - $50k | 2.20% → $50k - $100k
2.00%*$100k*-24 Month Share Certificate
OTHER TIERS: 1.80% → $500 - $50k | 1.90% → $50k - $100k
1.70%*$100k*-12 Month Share Certificate
OTHER TIERS: 1.50% → $500 - $50k | 1.60% → $50k - $100k
1.40%*$100k*-6 Month Share Certificate
OTHER TIERS: 1.20% → $500 - $50k | 1.30% → $50k - $100k

USE Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%*$100k*-48 Month IRA Certificate
OTHER TIERS: 2.30% → $500 - $50k | 2.40% → $50k - $100k
2.30%*$100k*-36 Month IRA Certificate
OTHER TIERS: 2.10% → $500 - $50k | 2.20% → $50k - $100k
2.00%*$100k*-24 Month IRA Certificate
OTHER TIERS: 1.80% → $500 - $50k | 1.90% → $50k - $100k
1.70%*$100k*-12 Month IRA Certificate
OTHER TIERS: 1.50% → $500 - $50k | 1.60% → $50k - $100k
1.40%*$100k*-6 Month IRA Certificate
OTHER TIERS: 1.20% → $500 - $50k | 1.30% → $50k - $100k
Locations


USE Federal Credit Union Locations
Branch Office2705 NW EXPRESSWAYOKLAHOMA CITY, OK 73112-7047
Branch Office2701 E Imhoff Rd RM C-131NORMAN, OK 73071-1103
Branch Office4025 W RENO AVE RM 1064OKLAHOMA CITY, OK 73125-7701
Branch Office4301 S INTERSTATE 44 SERVICE RDOKLAHOMA CITY, OK 73119
Branch Office9244 E Reno AveMidwest City, OK 73130

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