US Employees Federal Credit Union


Student checking

Real banking lessons. Zero overdraft fees.

 
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Home Loans

The home you want is closer than you think.

 
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Digital Banking

Skip the branch. Deposit checks from anywhere.

 
Hello There

Welcome to USE Federal Credit Union

Since 1938, we’ve been a people-first, not-for-profit credit union built on real relationships and local decisions. That means better rates, fewer fees, and a team that understands the Oklahoma City community.

With five OKC metro locations, we’re nearby when you need us and ready to help you move forward with confidence. 

Better banking starts with knowing you. We’re glad you’re here.

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Rates

Achieve your financial goals faster. View our current competitive rates today!
 
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Reorder Checks

Running low? Order new checks online fast, safely, and securely from your device!
 
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Overdraft Coverage

We've got you covered. Learn about our flexible Overdraft Coverage options online. 
 
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Lost or stolen card

Lost your card? Report it immediately to protect your money. Call 24/7.
 
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SWITCH TO USEFCU

Experience the credit union difference. Switch today!
 
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Financial Calculators

Smart financial planning starts here. Find out how much you can save!
 
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Student Checking

Checking That Parents and Kids Both Love 

Zero fees, zero overdrafts, zero minimums — plus rewards on purchases and simple mobile banking. Everything a student needs to start their financial life on the right foot.
 
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Vehicle Loans

Auto Loans That Make Sense for Your Budget

As a local Oklahoma City credit union, we offer low rates, flexible terms, and same-day local approval on new and used car loans. Use our calculator to see your payment, then apply online in minutes.
 
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GET REWARDS

Get Rewarded for the Purchases You Already Make

USEFCU's VISA Platinum Rewards credit card offers points on every transaction, low rates, fraud protection, and travel benefits. No annual fee means more rewards stay in your wallet. 
 
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CDS & IRAs

Grow Your Money Today. Secure Your Future Tomorrow.

Planning for a goal or retirement? USEFCU offers Certificates of Deposit for short-term growth and Traditional or Roth IRAs for your future. Competitive rates, flexible terms, and local guidance when you need it.
 

Rates

Rates Worth Switching For

As a not-for-profit, we don't answer to shareholders. We answer to you — with lower loan rates, higher returns on savings, and a genuine stake in your financial success.

View all rates