Woman answering group questions

FAQs

Learn more about opening an account, maintaining your membership, and the savings options available to help you build a strong financial foundation with USE Federal Credit Union.
We offer a standard Share Savings account that establishes membership. There is no monthly maintenance fee, and you earn dividends on balances of $25 or more. 
The minimum deposit to open a savings (Share) account is $5.
Yes, you can make up to 6 withdrawals per month from your savings account at no cost. 
USEFCU offers Money Market Share Accounts, Share Certificates (CDs), and IRA/retirement accounts.
Yes, USEFCU offers several free checking options, ranging from a standard free checking account to checking accounts with rewards and with no monthly maintenance fees. 
A credit union is a not-for-profit financial cooperative owned by its members, not shareholders. That means profits are returned to members in the form of lower loan rates, higher savings dividends, and fewer fees. Unlike a bank, which answers to investors, USE Federal Credit Union answers to you. 
The short answer is that membership to USE Federal Credit Union is available to virtually anyone, including their immediate family and household members. For questions regarding membership, contact us at 405-685-6200, and a team member will assist.
Becoming a member is simple. You open a Share Savings account with a minimum $5 deposit, which establishes your membership. You can visit any of our branch locations to begin. Once you're a member, all of our products and services are available to you. 
Yes. USEFCU is federally insured by the National Credit Union Administration (NCUA). Your deposits are insured up to $250,000 per individual, per account category — the same level of protection provided by FDIC insurance at banks.
A Money Market Share Account typically offers a higher dividend rate than a standard savings account in exchange for maintaining a higher minimum balance. It's a good option if you want to grow your savings faster while still keeping funds accessible. Contact us for current rates and balance requirements.
A Share Certificate — similar to a bank CD — lets you lock in a fixed dividend rate for a set term, typically ranging from 6 months to several years. In exchange for keeping your funds deposited for the full term, you earn a higher rate than a standard savings account. Early withdrawal may be subject to a penalty. Visit our Rates page for current certificate options.
Yes. USEFCU offers a Student Checking account designed for younger members, featuring zero fees, no overdraft charges, no minimum balance, and rewards on purchases. It's a great way for students to learn healthy financial habits with a safety net built in.
Yes. Immediate family members and household members of existing USEFCU members are eligible to join, regardless of where they work. This makes it easy for spouses, parents, children, and others in your household to access the same great rates and services you enjoy.







Get answers about managing your money anytime, anywhere with our online and mobile banking tools, including bill pay, mobile deposit, eStatements, and account alerts.

Yes, USEFCU provides free online banking and a mobile banking app (for iPhone and Android) for members.

Through online/mobile banking, members can view balances and history, transfer funds, pay bills, deposit checks (mobile deposit), set up account alerts, and access eStatements. 
eStatements are faster, help simplify record-keeping, reduce identity-theft risk, and make past statements easy to access/download. 

No, digital banking (online & mobile) and eStatements are free for USEFCU members. 

To enroll in online banking, click the "Login" button, then click "Enroll." You'll need your account number and some personal identifying information to set up your username and password. If you run into any issues, call us at 405-685-6200, and we'll walk you through it. 
Mobile deposit lets you deposit a check using your smartphone camera through the USEFCU mobile app. Simply open the app, select "Deposit Check," enter the amount, and photograph the front and back of your endorsed check. Most deposits are processed quickly, though availability may vary. Daily and monthly deposit limits apply.
Yes. Bill Pay is available through USEFCU's digital banking platform at no charge. You can schedule one-time or recurring payments to virtually any payee — utilities, loans, subscriptions, and more — and manage everything from your desktop or mobile device.
Account alerts can be configured within online or mobile banking under your account settings. You can choose to receive notifications by email or text for events like low balance warnings, large transactions, or login activity. Alerts are free and help you stay on top of your account security.
Click the "Forgot Password" link on the login page for online banking. You'll be guided through a secure reset process using your registered email address or security questions. If you're still locked out, contact us directly at 405-685-6200 for assistance. 
Yes. The USEFCU mobile banking app is available for download on both the Apple App Store (iOS) and Google Play Store (Android). Search for "USEFCU" to find and install the app. The app supports all standard digital banking features, including mobile deposit, transfers, bill pay, and account alerts. 
Internal transfers between your USEFCU accounts can be completed instantly through online or mobile banking. Transfers to or from external bank accounts must be performed in-branch, which typically process within 1–3 business days. For wire transfers, contact a branch directly. 









Explore the loan products USEFCU offers, from auto and home loans to personal lending options, and learn how to apply, manage payments, and make the most of competitive rates. 
We offer a variety of loan products, including auto loans, home mortgage loans, home equity loans/HELOCs, signature (personal) loans, and a short-term loan product called CashPlease®. 
CashPlease® is a short-term loan option (typically $200–$1,000), designed for quick cash needs. Funds may be disbursed within 24 hours. The loan carries a fixed 28% APR and has a 6-month term.
Yes, USEFCU supports online loan applications. Auto, home, and personal loan applications can be initiated online. 
Home loan options include traditional home mortgages, home equity loans, home equity lines of credit (HELOCs), and Express Home Improvement loans.
USEFCU evaluates loan applications on a case-by-case basis, taking into account your credit history, income, and overall financial situation. As a community credit union, we work hard to find solutions for members across a range of credit profiles, including those who may not qualify at traditional banks. We encourage you to apply or speak with a loan officer to discuss your options. 
If you applied online, you can check your loan application status by revisiting our online loan application and entering the username and password you established. Additionally, you can check your loan application status by calling us at 405-685-6200 or visiting any branch location. Our loan officers make local decisions, so you can typically expect a faster response than you'd get from a large national bank or online lender. 
Loan payments can be made in several ways: through online banking (internal transfer), through the USEFCU payment portal on our website, by phone, or in person at any branch. You can also set up automatic recurring payments to ensure you never miss a due date. 
USEFCU offers competitive auto loan rates for new and used vehicles. Rates vary based on the loan term, vehicle age, and your credit profile. Visit our Rates page on our website for current published rates, or use our loan calculator to estimate your monthly payment before you apply.
Yes. If you have an auto loan with another lender, you may be able to refinance with USEFCU to take advantage of a lower rate or reduce your monthly payment. The application process is the same as a standard vehicle loan. Contact a loan officer to see if refinancing makes sense for your situation.
A home equity loan gives you a lump sum at a fixed rate, with predictable monthly payments — ideal for a specific, one-time expense. A Home Equity Line of Credit (HELOC) works more like a credit card: you're approved for a maximum amount and draw funds as needed, paying interest only on what you use. Both use your home's equity as collateral. A USEFCU loan officer can help you decide which fits your needs.
Yes. USEFCU offers down payment assistance programs to help qualifying homebuyers bridge the gap between their savings and what's needed to close. This can make homeownership achievable sooner than you might expect. Visit our Down Payment Assistance page or speak with a mortgage loan officer for current program details and eligibility requirements.
Skip-A-Pay allows eligible members to defer a qualifying loan payment during a certain period, typically around the holidays or during a financial hardship, without damaging their account standing. A small participation fee may apply, and interest continues to accrue. Check your eligibility through online banking or by contacting us directly. 
While USE Federal Credit Union does offer Business Checking, we do not offer lending options for businesses at this time. 







Find helpful information about account security, deposit insurance, lost or stolen cards, and how to get in touch with our team when you need assistance.

You can call the main office at 405-685-6200 (or toll-free 800-227-6366), telephone banking (800-493-7406), or use the contact form on their website. 

 

Call 888-263-3370 for debit cards or 866-605-5248 for credit cards.
Yes, we support adding its debit/credit cards to mobile wallets such as Apple Pay, Google Pay, and Samsung Pay. This allows secure, contactless payments. 
Yes, calculators are available on our website for your use. Calculators offer a guide, so always reach out to one of our loan officers for more detail.
USEFCU has branch locations in the Oklahoma City area. For current addresses, hours of operation, and ATM locations, visit our Locations page. Hours may vary by location and are subject to change around holidays. 
Thanks to our Shared Branching network, USEFCU members have access to over 33,000 ATMs nationwide. Fees may vary depending on whether you use an in-network or out-of-network ATM. Check our Fee Schedule for a full breakdown, or contact us for details. 
Yes. USEFCU uses industry-standard encryption and security protocols to protect your personal and financial data online and in our systems. We also offer features like account alerts, two-factor authentication through digital banking, and 24/7 card monitoring to help safeguard your accounts. Review our Privacy Notice for full details.
If you notice unauthorized transactions or believe your account has been compromised, contact us immediately at 405-685-6200 during business hours. For after-hours card fraud, call the debit card hotline at 888-263-3370 or the credit card line at 866-605-5248. Acting quickly limits your liability and helps us resolve the issue faster.
Yes. Spanish-speaking members are welcome at any USEFCU location. Our bilingual team members are here to help you bank with confidence. 
To close your account, please contact us at 405-685-6200 or visit a branch in person. We'll make sure any remaining balance is returned to you and that all automatic payments or transfers are properly transitioned. We'd also love the opportunity to address any concerns before you go — your satisfaction matters to us.