Keep your debit card on lock
One app is all it takes to control every single aspect of your debit card.
Benefits You’ll Love
- Available for iPhone® and Android™ devices
- Set spending limits and transaction notifications
- Receive real-time alerts for suspicious activity
- Turn your card on or off whenever you please
- Add a layer of control and protection to your cards
- Set up alerts for your transactions by location and spending
- Get immediate notifications anytime fraud is suspected
- Turn your card on and off from anywhere
- Make real-time balance inquiries
- Receive alerts when you card is used or exceeds any controls set by you
- Download the free app for iPhone® and Android™
- If your card is missing or stolen, use Card Suite Lite to lock your card, then call 888-263-3370
The SecurLOCK Equip mobile app transitioned to a new and improved debit card monitoring product, Card Suite Lite, on Tuesday, October 22, 2024.
If you are currently using SecurLOCK Equip, you must download the new Card Suite Lite app from your mobile device store and begin using it.
- Your existing username and password will automatically transfer to the new Card Suite Lite app, as well as your existing card controls, such as merchant options and transaction limits.
- The only controls NOT able to carry over will be your location parameters and transaction history.
Take Full Control of your Debit Card.
Card Suite Lite offers the same features as SecurLOCK such as:
- Freeze/unfreeze (on/off) card
- Transaction alerts
- Enable/disable transaction types and merchant categories
- Set general spending limits and location controls
New features in Card Suite Lite include:
- Contactless transaction controls
- Overall spend limits (per transaction, daily, and monthly)
- Spend limits per transaction type
- Share card option with trusted contacts
- Additional sub-category merchant types
- One-Time Passcodes
- Enriched merchant data including name and logo
- User picture in-app profile
Download Card Suite Lite app starting October 22, 2024.
Current SecurLOCK users:
- Download the Card Suite Lite app from your mobile device app store.
- Anytime after 6 AM CST on October 22, log in to Card Suite Lite with your existing username and password.
- Review your card controls to ensure existing parameters are still in place.
- Reset your location limits.
- You will not be able to view previous card payment transactions from before the transition to Card Suite Lite, but you can view your past card transactions in online banking.
New Users:
- Download the Card Suite Lite app from your mobile device app store on October 22.
- Follow the steps to connect your USEFCU debit card(s).
- Set card parameters.
- Enjoy the added security and spending control that comes with Card Suite Lite.
Frequently Asked Questions about Card Suite Lite
What is Card Suite Lite?
Card Suite Lite is a mobile app that allows you to control how, when, and where your debit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity.
How do I get the Card Suite Lite app?
Card Suite Lite is available on both Apple and Android mobile devices. Once the app has successfully downloaded to your mobile device, you can begin the card registration process.
Is there a fee to use the app?
No. It is provided to you at no cost so you can have more control over your card.
What is a real-time alert?
A real-time alert is an immediate push notification sent to the app.
How long does it take for a control or alert setting to take effect?
Controls and alerts come into effect immediately after you save your preferences.
What if my smartphone is stolen? How secure is the app?
A password, PIN code, or biometrics are required to log in to the app. Additionally, the app does not store personal information on your mobile device and will only ever display the last four digits of your card number.
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 |
|---|---|---|
| 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 | 6.49% | 6.686% |
| FHA | 30 Year Fixed | 7.50% | 7.744% |
| FHA | 15 Year Fixed | 5.25% | 5.614% |
| VA | 30 Year Fixed | 7.50% | 7.744% |
| VA | 15 Year Fixed | 5.25% | 5.614% |
| 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 | 5.49% | 5.857% |
| ARM (Adjustable Rate Mortgage) Cash-out | 15 Year; 5/1 | 5.99% | 6.362% |
Rates are current as of 10/29/2024. 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 | 0.70% |
| $25,000 - $99,999 | 0.70% |
| $100,000+ | 0.70% |
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% |
