Earn extra money on everyday spending
Just use your USEFCU debit card to buy — and rack up cash back with each purchase.^
Benefits You’ll Love
- 4.00% cash back^ on debit card purchases
- Enjoy refunds on ATM withdrawal fees each month^
- No maintenance fee or minimum balance requirements
- Easily qualify for your rewards
- Free checking that pays you back:
- 4.00% cash back on debit card purchases^
- No category restrictions on purchases
- Cash back earned on up to $200 in purchases monthly
- Earn up to $96 cash back per year, $8 per month
- Up to $15 in ATM withdrawal fee refunds, nationwide^
- No minimum balance to earn rewards
- No monthly maintenance fees
- Free digital banking services, including:
- Free online banking with bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free digital wallet
- Free Visa® debit card
- Overdraft protection available
- $10 minimum deposit to open
It’s easy to earn your rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases with a minimum POS transaction of $1
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t meet these qualifications, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next month.
^Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Must maintain an open Kasasa Cash Back account to be eligible for the Kasasa Saver account. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $200 in debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. You will also receive up to $15.00 in reimbursements for nationwide ATM withdrawal fees incurred during the Monthly Qualification Cycle in which you qualified. Refunds do not include charges associated with balance inquiries or surpassing monthly ATM withdrawal/transfer limit. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. ATM fees will not be refunded on transactions conducted from the Saver account. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. Minimum $10 deposit is required to open the account. Monthly receipt of electronic statements is a condition of this account. Limit 1 account per social security number or ITIN. There are no recurring monthly service charges or fees to open or close this account. See website or contact one of our credit union service representatives at 405-685-6200 for additional information. Rewards accurate as of 4/1/2023. Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
Use this calculator to determine your projected earnings from our Free Kasasa Cash Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates
Term | Tier | APY |
---|---|---|
CD Special - 6 Months | $25,000+ | 4.75% |
CD Special - 12 Months | $25,000+ | 5.00% |
6 Months | $500 - $100,000+ | 3.00% |
12 Months | $500 - $100,000+ | 3.25% |
24 Months | $500 - $100,000+ | 2.80% |
36 Months | $500 - $100,000+ | 2.90% |
48 Months | $500 - $100,000+ | 3.00% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, minimum amount for certificates is $500. Rates are effective as of 12/1/2023. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty for your accounts is based on the term of your account. The penalty schedule is as follows:
6 Month Terms | 90 days' dividends |
12/24 Month Terms | 180 days' dividends |
36/48 Month Terms | 360 days' dividends |
Home Equity Loans
Term | Rate |
---|---|
7 yr. Fixed | Call for rate |
10 yr. Fixed | Call for rate |
15 yr. Fixed | Call for rate |
20 yr. Fixed | Call for rate |
Home Loans
Product | Term | Rate | APR |
---|---|---|---|
Conventional | 15 yr. Fixed | 6.375% | 6.741% |
Conventional | 30 yr. Fixed | 6.875% | 7.203% |
FHA | 30 yr. Fixed | 6.625% | 7.775% |
VA | 30 yr. Fixed | 6.625% | 6.978% |
Home Equity Line of Credit | Contingent on loan amount | 8.50% | |
Express Home Improvement | $10,000 = 10 yr. ; $10,001 - $25,000 = 15 yr. | 6.99% | |
Nonsalable | 15 yr. | Call for rate | |
Nonsalable | 20 yr. | Call for rate | |
Salable | 15 yr. | Call for rate | |
Salable | 20 yr. | Call for rate |
Rates subject to change. APR=Annual Percentage Rate. Max limit on HELOC is $100,000. Max limit on Express Home Improvement is $25,000.
IRA Certificates
Term | Tier | APY |
---|---|---|
CD Special - 6 Months | $25,000+ | 4.75% |
CD Special - 12 Months | $25,000+ | 5.00% |
6 Months | $500 - $100,000+ | 3.00% |
12 Months | $500 - $100,000+ | 3.25% |
24 Months | $500 - $100,000+ | 2.80% |
36 Months | $500 - $100,000+ | 2.90% |
48 Months | $500 - $100,000+ | 3.00% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, minimum amount for certificates is $500. Rates are effective as of 12/1/2023. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty for your accounts is based on the term of your account. The penalty schedule is as follows:
6 Month Terms | 90 days' dividends |
12/24 Month Terms | 180 days' dividends |
36/48 Month Terms | 360 days' dividends |
Kasasa Cash
Balance | Minimum Opening Deposit | Rate | APY |
---|---|---|---|
0 - $5,000 | $10 | 5.84% | 6.00% |
$5,000+ | $10 | 0.10% | 6.00% to 0.38% |
All balances if qualifications not met | $10 | 0.01% | 0.01% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 12 debit card purchases with minimum POS of $1
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t meet these qualifications, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next month.
Kasasa Saver
Balance | Dividend Rate | APY |
---|---|---|
0 - $25,000 | 2.00% | 2.00% |
$25,000+ | 0.10% | 0.10% |
All balances if qualifications not met | 0.01% | 0.01% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases with a minimum POS transaction of $1
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you will still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
Loans
Loan | Terms | APR |
---|---|---|
New & Used Autos | 2022 and newer up to 72 months; 2019 - 2021 up to 60 months; 2018 and older up to 48 months |
as low as 7.24% |
Motorcycles | up to 48 months | as low as 11.74% |
New Boats | up to 60 months | as low as 11.74% |
Used Boats | up to 48 months | as low as 11.74% |
ATVs | up to 48 months | as low as 12.75% |
Share Secured Loans | up to 60 months | 3.75% |
Share Certificate Loans | Equal to term of certificate | 3.75% above certificate rate |
Signature Loans | Contingent on loan amount | as low as 11.49% |
*Current loan interest rates effective 12/1/2023 until further notice. Auto loan rate quoted is our pre-approval rate. All loan rates are quoted using Annual Percentage Rate - APR. Extended terms available with rate pricing adjustment.
Money Market Share Account
Balance | APY |
---|---|
$2,000 - $24,999 | 0.70% |
$25,000 - $99,999 | 0.70% |
$100,000+ | 0.70% |
Personal Credit Cards
Loan | APR | |
---|---|---|
Platinum Rewards | 14.50% or 16.50% (variable) | |
Platinum |
11.50% or 14.50% (variable) |
The above rates for our Platinum and Platinum Rewards credit cards will vary based on the Prime Rate. Rates are subject to change.
Share Accounts
Account | APY |
---|---|
Free Checking | 0.00% |
Savings Account | 0.25% |