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.
What type of savings account does USEFCU offer?
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.
What is the minimum deposit required to open a savings account?
The minimum deposit to open a savings (Share) account is $5.
Are there restrictions on withdrawals from savings?
Yes, you can make up to 6 withdrawals per month from your savings account at no cost.
What other savings or investment-type accounts are available?
USEFCU offers Money Market Share Accounts, Share Certificates (CDs), and IRA/retirement accounts.
Does USEFCU provide free checking accounts?
Yes, USEFCU offers a Free Checking account with no monthly maintenance fees.
Get answers about managing your money anytime, anywhere with our online and mobile banking tools, including bill pay, mobile deposit, eStatements, and account alerts.
Does USEFCU offer online and mobile banking?
Yes, USEFCU provides free online banking and a mobile banking app (for iPhone and Android) for members.
What services are available through digital banking?
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.
What are the benefits of choosing eStatements over paper statements?
eStatements are faster, help simplify record-keeping, reduce identity-theft risk, and make past statements easy to access/download.
Are there fees for digital banking services?
No, digital banking (online & mobile) and eStatements are free for USEFCU members.
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.
What types of loans does USEFCU offer?
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®.
What is the CashPlease® loan and how does it work?
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.
Can I apply for a loan online with USEFCU?
Yes, USEFCU supports online loan applications. Auto, home, and personal loan applications can be initiated online.
What home-related loan products are available?
Home loan options include traditional home mortgages, home equity loans, home equity lines of credit (HELOCs), and Express Home Improvement loans.
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.
How can I contact USEFCU for support or questions?
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.
What do I do if I lose my debit or credit card?
Call 888-263-3370 for debit cards or 866-605-5248 for credit cards.
Does USEFCU offer a “digital wallet” for mobile payments?
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.
Are there calculators or tools to help members plan savings, loans, or financial goals?
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.