We work hard for hard-working people
Mission Statement: To provide service that goes above and beyond expectations to our members and to each other.
A credit union, not a bank — and that difference matters.
Unlike a bank, USE Federal Credit Union is a not-for-profit financial cooperative. We have no stockholders. Every dollar we make goes back to our members in the form of lower loan rates, higher savings dividends, and better service. We exist to serve you, not to profit from you.
Serving Oklahoma City since 1938.
USEFCU was chartered in 1938 by Oklahoma City postal workers, making us one of the oldest credit unions in Oklahoma. We started small: fifteen members, $248.50 in assets, and two employees. Today, we've grown to over $200 million in assets and more than 18,000 members across the Oklahoma City metro area, including communities like Midwest City, Moore, and Northwest OKC.
What hasn't changed is who we serve. We specialize in finding real solutions for hardworking people, including members who may not qualify at a traditional bank. Our loan decisions are made locally, right here in Oklahoma City, by people who understand this community because they live in it.
Built on generational trust.
Many of our 18,000+ members are second and third-generation USEFCU members. We have relationships spanning more than 50 years within the same family. That kind of loyalty isn't something you can manufacture; it's earned one member at a time.
What we offer.
As a federally insured credit union (NCUA), USEFCU provides Oklahoma City residents and their families access to:
- Personal and business checking accounts with no monthly fees
- Auto loans, personal loans, and home equity loans with competitive rates
- Mortgage loans, HELOCs, and down payment assistance for Oklahoma homebuyers
- Certificates of Deposit (CDs) and IRA accounts for savings and retirement
- Free digital banking, mobile deposit, and a full-featured mobile app
- Five branch locations across the OKC metro area
Who can join USEFCU?
Membership at USE Federal Credit Union is open to virtually anyone, including immediate family and household members of existing members, regardless of employer. Becoming a member is simple: open a Share Savings account with a $5 minimum deposit. Once you're a member, all of our products and services are available to you.
Learn more about membership with USEFCU on our Become a Member page. For questions, please contact us.