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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 16th largest credit union in the state of Oklahoma. It is also the 1,224th largest credit union in the nation. It was established in 1938 and as of June of 2023, it had grown to 53 employees and 18,037 members at 5 locations. USE Federal Credit Union's CD rates are 5X the national average, and it has 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.
See current membership details

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Health
A

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #2744
Year Chartered1938
Employees53
Primary Regulator
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD8.56%
Annual Interest Income$4.2MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$210.9MM$196.7MM
LoansQ2 2023vs Q2 2022$137.3MM$128.3MM
DepositsQ2 2023vs Q2 2022$188.9MM$175.1MM
Equity CapitalQ2 2023vs Q2 2022$19.8MM$19.5MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$530.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$155.00K$435.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not USE Federal 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 Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$25kKasasa Saver
OTHER TIERS: 0.10% → $25k+
0.25%$25-Share Account

USE Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%$2k-Money Market Share Account

USE Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.00%*-$5kKasasa Cash
OTHER TIERS: 0.10% → $5k+

USE Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$25k-24 Month Share Certificate Special
4.50%$25k-12 Month Share Certificate Special
3.00%$500-48 Month Share Certificate
2.90%$500-36 Month Share Certificate
2.80%$500$100k24 Month Share Certificate
2.70%$500$100k12 Month Share Certificate
2.50%$500-6 Month Share Certificate

USE Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$25k-24 Month IRA Certificate Special
4.50%$25k-12 Month IRA Special
3.00%$500-48 Month IRA Certificate
2.90%$500-36 Month IRA Certificate
2.80%$500$100k24 Month IRA Certificate
2.70%$500-12 Month IRA Certificate
2.50%$500-6 Month IRA Certificate
Locations


USE Federal Credit Union Locations
Branch Office2705 NW EXPRESSWAYOKLAHOMA CITY, OK 73112-7047
Branch Office320 SW 19th StMoore, OK 73160
Branch Office4025 W RENO AVE RM 1064OKLAHOMA CITY, OK 73125-7700
Branch Office4301 S INTERSTATE 44 SERVICE RDOKLAHOMA CITY, OK 73119
Branch Office9244 E Reno AveMidwest City, OK 73130

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