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 10.50% APR or 13.50% 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
Balance Transfer
Transfer high-interest accounts to a USEFCU Platinum or Platinum Rewards credit card and take advantage of great low rates! It's an excellent way to consolidate debt from other cards you may carry. Get started by completing one of the following forms. PDF | Online
Take control with USEFCU CardLink
You can manage your USEFCU credit card at any time from your smartphone. You can make payments, send travel notices, lock your card if it is lost, and more! Card registration is easy, and access is secure and protected.
Available to download on the App Store and Google Play.
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*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 |
|---|---|---|
| 6 Months | $500 - $100,000+ | 3.75% |
| 12 Months | $500 - $100,000+ | 3.50% |
| 24 Months | $500 - $100,000+ | 3.40% |
| 36 Months | $500 - $100,000+ | 3.25% |
| 48 Months | $500 - $100,000+ | 3.25% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, the minimum amount for certificates is $500. The minimum deposit for any CD Specials is $25,000. Rates are effective as of 5/1/2025. 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
| Product | Term | Rate | APR |
|---|---|---|---|
| Home Equity | 7 yr. Fixed | 6.25% | |
| Home Equity | 10 yr. Fixed | 6.50% | |
| Home Equity | 15 yr. Fixed | 6.75% | |
| Home Equity | 20 yr. Fixed | 7.00% | |
| Home Equity Line of Credit (HELOC) | Contingent on loan amount. $100,000 maximum. | 7.50% |
Rates are current as of 1/10/2025. Rate may vary depending on lien position and credit score.
Home Loans
| Product | Term | Rate | APR |
|---|---|---|---|
| Conventional | 30 Year Fixed | 7.25% | 7.49% |
| Conventional | 20 Year Fixed | 7.125% | 7.435% |
| Conventional | 15 Year Fixed | 6.875% | 7.257% |
| FHA | 30 Year Fixed | 7.00% | 7.237% |
| FHA | 15 Year Fixed | 6.125% | 6.499% |
| VA | 30 Year Fixed | 7.00% | 7.237% |
| VA | 15 Year Fixed | 6.125% | 6.499% |
| ARM (Adjustable Rate Mortgage) | 30 Year; 5/1 | 6.25% | 6.476% |
| ARM (Adjustable Rate Mortgage) Cash-out | 30 Year; 5/1 | 6.75% | 6.983% |
| ARM (Adjustable Rate Mortgage) | 15 Year; 5/1 | 5.875% | 6.246% |
| ARM (Adjustable Rate Mortgage) Cash-out | 15 Year; 5/1 | 6.375% | 6.751% |
Rates are current as of 5/20/2025. Rates provided are for best rate available and may change without notice. The Annual Percentage Rate (APR) is applicable and will change based on loan amount, examples are based on $200,000 loan amount. For the most up-to-date rates, please contact our mortgage department. Detailed rates and terms will be provided after a completed loan application has been reviewed by a USE Federal Credit Union Mortgage Loan Officer.
IRA Certificates
| Term | Tier | APY |
|---|---|---|
| 6 Months | $500 - $100,000+ | 3.75% |
| 12 Months | $500 - $100,000+ | 3.50% |
| 24 Months | $500 - $100,000+ | 3.40% |
| 36 Months | $500 - $100,000+ | 3.25% |
| 48 Months | $500 - $100,000+ | 3.25% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, the minimum amount for certificates is $500. The minimum deposit for any CD Specials is $25,000. Rates are effective as of 5/1/2025. 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 |
Loans
| Loan | Terms | APR |
|---|---|---|
| New & Used Autos | 2023 and newer up to 72 months; 2020 - 2022 up to 60 months; 2019 and older up to 48 months |
as low as 5.99% |
| Motorcycles | up to 48 months | as low as 11.49% |
| New Boats | up to 60 months | as low as 11.49% |
| Used Boats | up to 48 months | as low as 11.49% |
| ATVs | up to 48 months | as low as 12.50% |
| Express Home Improvement | $10,000 = 10 Year ; $10,001 - $25,000 = 15 Year | 6.99% |
| Share Secured Loans | up to 60 months | 3.50% |
| Share Certificate Loans | Equal to term of certificate | 3.50% above certificate rate |
| Signature Loans | Contingent on loan amount | as low as 11.24% |
*Current loan interest rates effective 5/1/2025 until further notice. Auto loan rate quoted is our pre-approval rate. The maximum limit on Express Home Improvement is $25,000. All loan rates are quoted using APR (Annual Percentage Rate). Extended terms available with rate pricing adjustment.
Money Market Share Account
| Balance | APY |
|---|---|
| $2,000 - $24,999 | 1.25% |
| $25,000 - $99,999 | 1.25% |
| $100,000+ | 1.25% |
Personal Credit Cards
| Loan | APR | |
|---|---|---|
| Platinum Rewards | 13.50% or 15.50% (variable) | |
| Platinum |
10.50% or 13.50% (variable) |
The above rates for our Platinum and Platinum Rewards credit cards will vary based on the Prime Rate. Rates are subject to change. APR (Annual Percentage Rate) applies.
Share Accounts
| Account | APY |
|---|---|
| Free Checking | 0.00% |
| Savings Account | 0.25% |
