US Employees Federal Credit Union

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Personal Checking

Everything you need from a checking account. Nothing you don't.

 
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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

We're a people-first credit union built on real relationships, local decisions, and a genuine commitment to our community — because better banking starts with truly understanding you. We're glad you're here. 
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Overdraft Coverage

We've got you covered. Learn about our flexible Overdraft Coverage options online. 
 
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Reorder Checks

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

Achieve your financial goals faster. View our current competitive rates today!
 
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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 to USEFCU and start saving more.

 
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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