|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 USE Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 4, 2026
USE Federal Credit Union's 8 month CD Special rates are at 4.00%, IRA CDs CD Special - 8 month rates are at 4.00%, IRA CDs 12 month rates are at 3.30%, IRA CDs 6 month rates are at 3.25%, IRA CDs 24 month rates are at 3.10%. USE Federal Credit Union's savings rates are at 0.25%. USE Federal Credit Union's money market rates are at 1.25%. USE Federal Credit Union's ARM (Adjustable Rate Mortgage) rates are at 4.50%, ARM (Adjustable Rate Mortgage) Cash-Out rates are at 5.12%, Conventional rates are at 5.50%, VA rates are at 5.12%, FHA rates are at 5.12%. MonitorBankRates evaluates the financial stability of USE Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.89%. Rates were last updated on 04/04/2026. USE Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at USE Federal Credit Union? Share your experience about USE Federal Credit Union by leaving a review below, or read customer reviews before you decide to use USE Federal Credit Union. USE Federal Credit Union
MAIN OFFICE 4301 S INTERSTATE 44 SERVICE RD
https://www.usecreditunion.org OKLAHOMA CITY, OK 73119 
USE Federal Credit Union CD Rates
USE Federal Credit Union Savings Rates
USE Federal Credit Union Money Market Rates
USE Federal Credit Union Checking Rates
USE Federal Credit Union Mortgage Rates
USE Federal Credit Union Home Equity & HELOC
USE Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for USE Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather USE Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with USE Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
USE Federal Credit Union
Website
https://www.usecreditunion.org
Address
4301 S INTERSTATE 44 SERVICE RD,
OKLAHOMA CITY, OK 73119
Phone
405-685-6200
Fax
405-682-6235
President
DON SHEETS
CEO
RUSSELL NEUENSCHWANDER
Full-Time Employees
51
Part-Time Employees
0
Branch Locations
5
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.89%
Return on Assets (ROA)
0.6674%
Return on Equity (ROE)
4.0874%
Non-Performing Loans Ratio (NPL)
0.23%
Total Assets
206,102,393
Total Amount of Shares and Deposits
174,817,832
Total Shares and Deposits < 1 Year
165,214,882
Total Shares and Deposits 1 3 Years
9,070,333
Total Shares and Deposits > 3 Years
532,617
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,736,406
Total Uninsured Shares and Deposits > $250K (F+J)
8,736,406
Total Insured Shares and Deposits > $250K (item 17 less item K)
166,081,426
Total Interest Expense (Sum of items 6 8)
2,030,125
Share Certificates
1,222
Number of Accounts for Share Drafts
7,291
IRA KEOGH Accounts
416
Number of Accounts for Regular Shares
15,578
Non Member Deposits
4
Money Market Shares
357
Net Income (unless the amount is already included in Undivided Earnings)
1,375,604
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,526,411
Total Liabilities
177,593,987
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About USE Federal Credit UnionIs USE Federal Credit Union a safe place to deposit money?Yes, USE Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.89495385159742%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does USE Federal Credit Union operate?USE Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join USE Federal Credit Union?Yes, to access services at USE Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, USE Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, USE Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does USE Federal Credit Union offer online and mobile banking?Most modern institutions like USE Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.usecreditunion.org. Current USE Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Lehrer Interests Credit Union
Avestar Credit Union
Atlas Credit Union
St Joe Valley Credit Union
Natchez Educators Federal Credit Union
Baltimore Washington Federal Credit Union
Omaha Douglas Federal Credit Union
Valley Communities Credit Union
Finger Lakes Health Care Federal Credit Union
Gates Chili Federal Credit Union
Community Choice Credit Union Johnston, IA
Abbey Credit Union
AMNH Employees Federal Credit Union
First Watch Federal Credit Union
Port of Houston Warehouse Federal Credit Union
Norfolk Community Federal Credit Union
CMC-FCPI Employees Federal Credit Union
Justice Federal Credit Union
Benchmark Federal Credit Union
Lake Shore Community Credit Union
The New Haven Police and Municipal Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
