US Employees Federal Credit Union
Personal Checking
Everything you need from a checking account. Nothing you don't.
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.
Reorder Checks
Running low? Order new checks online fast, safely, and securely from your device!
Overdraft Coverage
We've got you covered. Learn about our flexible Overdraft Coverage options online.
Lost or stolen card
Lost your card? Report it immediately to protect your money. Call 24/7.
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.
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.
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.
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.