Everything you need in the palm of your hand
0% APR* for 12 months and simpler spending — this piece of plastic is packed with perks.
Benefits You’ll Love
- 0% APR* for the first year; a low variable rate after (see details)
- No annual or cash advance fees
- Powered by Visa® and accepted anywhere
- Take control of your card with CardLink
Why choose our Visa® Platinum credit card?
- Variable rates as low as 11.50% APR or 14.50% APR*
- No annual fees
- No cash advance fees
- No convenience check fees
- Easily view statements and pay bills online
- 10-day grace period with no late fee
- 25 days interest-free on purchases
- Online access via online banking
0% APR for 12 months
Transfer balances to a USEFCU credit card and receive 0% APR for 12 months! Transfer high-interest credit cards, medical expenses, department store cards, and more. A 3% fee will be assessed on the transferred amount.* Promotional period is 3/1/2023 - 12/29/2023.
Take control with USEFCU CardLink
Manage your USEFCU credit card at any time from your smartphone. Make payments, send travel notices, lock your card if lost, and more! Card registration is easy and access is secure and protected.
Available to download on the App Store and Google Play.
{{ personal-credit-card-rate }}
*APR = Annual Percentage Rate. Rates for our Platinum and Platinum Rewards credit cards are variable and are based on the Prime Rate. Rates are subject to change. The approved rate is based on creditworthiness. Rewards points expire 3 years from the date posted.
Balance transfer amounts are limited to the available funds of your approved credit limit amount. Transfers are considered cash advances, therefore, finance charges will begin to accrue immediately on the transaction date. Transferred amounts cannot be from another USEFCU Visa credit card or loan account. Please continue making payments on your other credit card account(s) until the balance transfer is confirmed on your other institution's account statement.
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% |
