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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 1,247th largest credit union in the nation. It was established in 1938 and as of December of 2021, it had grown to 56 employees and 17,718 members at 5 locations. USE Federal Credit Union 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 Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #2744
Year Chartered1938
Employees56
Primary Regulator
Profit Margin
Return on Assets - YTD1.38%
Return on Equity - YTD10.75%
Annual Interest Income$6.7MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$198.6MM$185.1MM
LoansQ4 2021vs Q4 2020$124.0MM$118.3MM
DepositsQ4 2021vs Q4 2020$173.5MM$162.2MM
Equity CapitalQ4 2021vs Q4 2020$25.3MM$22.7MM
Loan Loss AllowanceQ4 2021vs Q4 2020$763.00K$1.0MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$344.00K$373.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$34.00K
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
0.10%$25-Share Account

USE Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$2k-Money Market Share Account

USE Federal Credit Union Checking Account Rates

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

USE Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$500-48 Month Share Certificate
0.85%$500-36 Month Share Certificate
0.75%$500-24 Month Share Certificate
0.65%$500-12 Month Share Certificate
0.55%$500-6 Month Share Certificate

USE Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$500-48 Month IRA Certificate
0.85%$500-36 Month IRA Certificate
0.75%$500-24 Month IRA Certificate
0.65%$500-12 Month IRA Certificate
0.55%$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 73125-7701
Branch Office4301 S INTERSTATE 44 SERVICE RDOKLAHOMA CITY, OK 73119
Branch Office9244 E Reno AveMidwest City, OK 73130

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