Tap, pay, and go on your way
It’s that easy with a digital wallet. Setup is a snap — just add your cards and you’re ready to go.
Benefits You’ll Love
- Pay with a single touch, online or offline
- Apple Pay®, Google Play™, and Samsung Pay® available
- Safer and simpler than cash, checks, and physical cards
Making payments with Apple Pay is easy. The entire transaction is secure. Your credit and debit card numbers aren't stored on the device or shared with the merchant. And, if your iPhone® is ever lost or stolen, just use the "Find My iPhone" feature.
You can add your USEFCU credit or debit card to your iPhone, Apple Watch®, or iPad®. Visit apple.com/apple-pay for a complete list of eligible devices and additional information.
Get Started
To begin, open the Wallet App on your iPhone and tap the plus sign in the upper right-hand corner. Follow the on-screen instructions.
After you've added your USEFCU credit or debit card, it's easy to make it your default payment option.
If your USEFCU card is the first card you enrolled into Apple Pay, you don't have to do anything! It’s already your default card.
If a different card is your current default, just open "Wallet & Apple Pay" (in Settings), click "Default Card," and select the USEFCU credit or debit card in the list of your enrolled cards.
How to Pay
- Look for the Pay Wave® or Apple Pay symbol at checkout and hold your phone near the contactless reader.
- Place your finger on the Touch ID®. Or, you may need to enter a passcode and sign a receipt.
- Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.
Apple® and Apple Pay® and Apple Watch® are registered trademarks of Apple Inc.
Introducing another great way to pay. Samsung Pay is currently accepted at more places than any other mobile wallet service. It’s secure, easy to set up, and simple to use with your supported Galaxy device. Visit samsung.com/us/samsung-pay for a list of eligible devices and more information.
To protect your information, Samsung Pay uses tokenization. This creates a unique sequence of numbers instead of transmitting your account information every time you make a purchase. The token is encrypted and eliminates the need for the merchant to ever have your actual card data.
Get Started
To add your USEFCU credit or debit card, you will need one of the supported Galaxy devices.
From the Home screen, touch Apps, then Samsung Pay, and then Install. Simply follow the easy step-by-step on-screen instructions provided.
The default card image may differ from your personalized credit or debit card.
How to Pay
- Swipe from the bottom of the screen to the top to access Samsung Pay.
- If necessary, swipe to the left or right to access the desired card.
- Place your finger on the Home key to verify your identity. If you are using Samsung Pay PIN, touch PIN and enter your four-digit code.
- Place the back of your device against the NFC or card reader on the payment terminal.
Samsung®, Samsung Pay®, Samsung Galaxy S7 edge®, Samsung Galaxy S7®, Samsung Galaxy S7 active®, Samsung Galaxy S6 edge+®, Samsung Galaxy S6 edge®, Samsung Galaxy S6®, Samsung Galaxy S6 active®, Samsung Galaxy Note® 5 and Samsung Galaxy Note® 7 are registered trademarks of Samsung Electronics Co., Ltd.
Pay with your phone at more than 1 million stores across the U.S. Google Pay gives USEFCU members more options when paying for things every day.
Making payments is safe when you use Google Pay, thanks to tokenization — the industry standard for secure payments. When you shop at a merchant, Google Pay does not send your actual credit or debit card number with your payment. Instead, it uses a virtual account number to represent your account information – so your card details stay safe.
Visit pay.google.com/about for more information.
Get Started
Look for the app on your phone. If it is not already preloaded, then download the app from Google Play™ and open it.
If you already use your USEFCU card in your Google account, you can add it to Google Pay by confirming a few details. If not, add your USEFCU card(s) by snapping a picture and following the on-screen instructions.
You're done! The default card image may differ from your personalized credit or debit card.
How to Pay
- Look for the Pay Wave® or the Google Pay symbol at checkout
- Unlock your phone (no need to open the app).
- Hold the back of your phone near the merchant’s contactless payment terminal.
- Your phone will beep or vibrate, and you’ll receive a confirmation that the payment was made.
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+ | 4.00% |
| 12 Months | $500 - $100,000+ | 3.75% |
| 24 Months | $500 - $100,000+ | 3.50% |
| 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 2/1/2025. 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 | 7.125% | 7.363% |
| Conventional | 20 Year Fixed | 7.00% | 7.308% |
| Conventional | 15 Year Fixed | 6.50% | 6.878% |
| 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 | 6.125% | 6.349% |
| ARM (Adjustable Rate Mortgage) Cash-out | 30 Year; 5/1 | 6.625% | 6.856% |
| ARM (Adjustable Rate Mortgage) | 15 Year; 5/1 | 5.50% | 5.867% |
| ARM (Adjustable Rate Mortgage) Cash-out | 15 Year; 5/1 | 6.00% | 6.372% |
Rates are current as of 5/7/2025. 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+ | 4.00% |
| 12 Months | $500 - $100,000+ | 3.75% |
| 24 Months | $500 - $100,000+ | 3.50% |
| 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 2/1/2025. 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 6.24% |
| 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 2/1/2025 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% |
