USE Federal Credit Union

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CURRENT TOP RATE

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
3.00%	Reward Checking	1.25% - Axos Bank Rewards Checking - 3 Qualifications
2.70%	18-month CD	2.60% - American Express National Bank 18 Month CD
2.25%	1-year CD	2.55% - Goldman Sachs Bank USA High-yield 12 Month CD

View all USE Federal Credit Union rates »

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 15^th largest credit union in the state of Oklahoma. It is also the 1,194^th largest credit union in the nation. It was established in 1938 and as of June of 2018, it had grown to 49 employees and 18,196 members at 4 locations. USE Federal Credit Union's CD rates are 3X 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

Related Posts

USE Federal Credit Union (OK) Adds 17-Month CD Special - 7/28/2018

USE Federal Credit Union (OK) has added a limited-time 17-month CD Special, earning 2.70% APY. Minimum deposit is $1k, with no stated balance cap.

USE FCU (OK) Offers Kasasa Cash - 3/20/2018

USE FCU's (easy membership) Kasasa Cash account earns 3.00% APY on qualifying balances up to $10k. Qualifying balances over $10k earn 0.25% APY.

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Health

A

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	2744
Year Chartered	1938
Employees	49
Primary Regulator

Profit Margin
Return on Assets - YTD	1.01%
Return on Equity - YTD	9.14%
Annual Interest Income	$3.1MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$164.8MM$159.1MM
Loans	Q2 2018vs Q2 2017	$119.2MM$115.6MM
Deposits	Q2 2018vs Q2 2017	$143.9MM$139.9MM
Equity Capital	Q2 2018vs Q2 2017	$18.3MM$17.6MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$906.00K$872.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$468.00K$404.00K
Real Estate Owned	Q2 2018vs Q2 2017	$17.00K$0

Rates

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Money Market
Checking
CD
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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$25	-	Share Account

USE Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.00%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.25% → $10k+
0.10%	-	-	Share Draft Account

USE Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.70%	$1k	-	17 Month Share Certificate Special
2.55%^*	$100k^*	-	48 Month Share Certificate
OTHER TIERS: 2.35% → $500 - $50k \| 2.45% → $50k - $100k
2.45%^*	$100k^*	-	36 Month Share Certificate
OTHER TIERS: 2.25% → $500 - $50k \| 2.35% → $50k - $100k
2.35%^*	$100k^*	-	24 Month Share Certificate
OTHER TIERS: 2.15% → $500 - $50k \| 2.25% → $50k - $100k
2.25%^*	$100k^*	-	12 Month Share Certificate
OTHER TIERS: 2.05% → $500 - $50k \| 2.15% → $50k - $100k
1.60%^*	$100k^*	-	6 Month Share Certificate
OTHER TIERS: 1.40% → $500 - $50k \| 1.50% → $50k - $100k

USE Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.70%	$1k	-	17 Month IRA Certificate Special
2.55%^*	$100k^*	-	48 Month IRA Certificate
OTHER TIERS: 2.35% → $500 - $50k \| 2.45% → $50k - $100k
2.45%^*	$100k^*	-	36 Month IRA Certificate
OTHER TIERS: 2.25% → $500 - $50k \| 2.35% → $50k - $100k
2.35%^*	$100k^*	-	24 Month IRA Certificate
OTHER TIERS: 2.15% → $500 - $50k \| 2.25% → $50k - $100k
2.25%^*	$100k^*	-	12 Month IRA Certificate
OTHER TIERS: 2.05% → $500 - $50k \| 2.15% → $50k - $100k
1.60%^*	$100k^*	-	6 Month IRA Certificate
OTHER TIERS: 1.40% → $500 - $50k \| 1.50% → $50k - $100k

Locations

USE Federal Credit Union Locations
Branch Office	2705 NW EXPRESSWAY	OKLAHOMA CITY, OK 73112-7047
Branch Office	2701 E Imhoff Rd RM C-131	NORMAN, OK 73071-1103
Branch Office	4025 W RENO AVE RM 1064	OKLAHOMA CITY, OK 73125-7701
Branch Office	4301 S INTERSTATE 44 SERVICE RD	OKLAHOMA CITY, OK 73119

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