There’s no nickel-and-diming here

In town or across the country, feel free to withdraw your money without ever paying a penny.

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Benefits You’ll Love

  • Available via the nationwide TransFund network
  • Easily locate the surcharge-free ATM nearest you
  • Enjoy ATM withdrawal fee refunds with Kasasa® checking
Free Kasasa Cash Checking CalculatorDisclaimer

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.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

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.

1. Vehicle Info
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2. Loan Details
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Share Certificates CalculatorDisclaimer

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.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

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.

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Simple Loan CalculatorDisclaimer

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.

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  • 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+ 4.45%
6 Months $500 - $100,000+ 4.25%
12 Months $500 - $100,000+ 4.00%
24 Months $500 - $100,000+ 3.75%
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 CD Specials is $25,000. Rates are effective as of 10/15/2024. 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 6.625%  
Home Equity 15 yr. Fixed 6.625%  
Home Equity 20 yr. Fixed 6.625%  
Home Equity Line of Credit (HELOC) Contingent on loan amount. $100,000 maximum. 8.00%  

Rates are current as of 10/22/2024. Rate may vary depending on lien position and credit score.

Home Loans

Product Term Rate APR
Conventional 30 Year Fixed 7.125% 7.363%
Conventional 20 Year Fixed 7.125% 7.435%
Conventional 15 Year Fixed 6.375% 6.751%
FHA 30 Year Fixed 7.375% 7.617%
FHA 15 Year Fixed 5.875% 6.246%
VA 30 Year Fixed 7.50% 7.744%
VA 15 Year Fixed 5.875% 6.246%
ARM (Adjustable Rate Mortgage) 30 Year; 5/1 6.125% 6.349%
ARM (Adjustable Rate Mortgage) Cash-out 30 Year; 5/1 6.625% 6.856%
ARM (Adjustable Rate Mortgage) 15 Year; 5/1 5.375% 5.741%
ARM (Adjustable Rate Mortgage) Cash-out 15 Year; 5/1 5.875% 6.246%

Rates are current as of 11/07/2024. 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  
CD Special - 6 months $25,000+ 4.75%
CD Special - 12 months $25,000+ 4.45%
6 Months $500 - $100,000+ 4.25%
12 Months                  $500 - $100,000+ 4.00%
24 Months $500 - $100,000+ 3.75%
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 CD Specials is $25,000. Rates are effective as of 10/15/2024. 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 2023 and newer up to 72 months; 2020 - 2022 up to 60 months; 2019 and older up to 48 months

as low as 6.99%

 
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 5/1/2024 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   14.00% or 16.00% (variable)
Platinum  

11.00% or 14.00% (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%