Your Security 
Deposit Rates
Dividend-Earning Premier Membership Checking Account
| Rate | APY | |
| With balances $100,000+ | 0.15% | 0.15% |
| With balances $75,000 to 99,999 | 0.15% | 0.15% |
| $With balances $50,000 to 74,999 | 0.15% | 0.15% |
| With balances $25,000 to 49,999 | 0.15% | 0.15% |
| With balances $10,000 to 24,999 | 0.15% | 0.15% |
| With balances $2,500 to 9,999 | 0.10% | 0.10% |
| With balances $0 to 2,499 | 0.05% | 0.05% |
APY = Annual Percentage Yield. These are variable rate accounts. Dividend Rates, APYs, and terms are subject to change without notice. Information provided does not represent a Truth-in-Savings Disclosure. Dividend earning checking accounts include: Premier Membership Checking. The above rate structure also includes the following grandfathered checking accounts opened before February 19, 2007: Extra Checking, Extra Plus Checking, Premier Checking, Prime Time Checking, Check Extra, and Prime Time 55. There are fees associated with these accounts. See Schedule of Fees for more information. Fees may reduce earnings.
Penny Penguin Account / IRA Regular Savings Account
| Rate | APY |
| .20% | .20% |
APY = Annual Percentage Yield. Information provided does not represent a Truth-in-Savings Disclosure. These are variable rate accounts. Dividend Rates, APYs, and terms are subject to change without notice. There are fees associated with these accounts. See Schedule of Fees for more information. Fees may reduce earnings. Please contact a USE employee for current rates at 1-866-USE-4-YOU (873-4968). USE Credit Union reserves the right to not accept a deposit or an addition to an account or limit its size.
APY = Annual Percentage Yield. Information provided does not represent a Truth-in-Savings Disclosure. This is a variable rate account. Dividend Rates, APYs, and terms are subject to change without notice. There are fees associated with this account. See Schedule of Fees for more information. Fees may reduce earnings. Please contact a USE employee for current rates at 1-866-USE-4-YOU (873-4968). USE Credit Union reserves the right to not accept a deposit or an addition to an account or limit its size. One annual disbursement in November, no other withdrawals allowed. If a withdrawal is made, the account is closed and accrued dividends forfeited.
Market Rate Plus Account / IRA Market Rate Plus Account
| Rate | APY | |
| With balances of $100,000 or more | .50% | .50% |
| With balances of $50,000 to $99,999 | .50% | .50% |
| With balances of $10,000 - $49,999 | .50% | .50% |
| With balances of $2,500 to $9,999 | .20% | .20% |
| With balances under $2,500 | .10% | .10% |
APY = Annual Percentage Yield. Information provided does not represent a Truth-in-Savings Disclosure.This is a variable rate account. Dividend rates, APYs, and terms are subject to change without notice. There are fees associated with this account. See Schedule of Fees for more information. Fees may reduce earnings. Please contact a USE employee for current rates at 1-866-USE-4-YOU (873-4968). USE Credit Union reserves the right to not accept a deposit or an addition to an account or limit its size.
Money Market Advantage Account
| Rate | APY | |
| With balances of $1,000,000 and above | .90% | .90% |
| With balances of $250,000 to $999,999 | .90% | .90% |
| With balances of $50,000 to $249,999 | .90% | .90% |
| With balances of $25,000 to $49,999 | .80% | .80% |
| With balances of $15,000 to $24,999 | .60% | .60% |
| With balances under $15,000 | .20% | .20% |
APY = Annual Percentage Yield. Information provided does not represent a Truth-in-Savings Disclosure.This is a variable rate account. Dividend rates, APYs, and terms are subject to change without notice. There are fees associated with this account. See Schedule of Fees for more information. Fees may reduce earnings. Please contact a USE employee for current rates at 1-866-USE-4-YOU (873-4968). USE Credit Union reserves the right to not accept a deposit or an addition to an account or limit its size.
Membership Money Market Account
| Rate | APY | |
| With balances of $250,000 and above | .75% | .75% |
| With balances of $100,000 to $249,999 | .75% | .75% |
| With balances of $25,000 to $99,999 | .50% | .50% |
| With balances of $10,000 to $24,999 | .50% | .50% |
| With balances of $5,000 to $9,999 | .25% | .25% |
| With balances under $5,000 | .05% | .05% |
APY = Annual Percentage Yield. Information provided does not represent a Truth-in-Savings Disclosure. This is a variable rate account. Rates are current as of 4/1/09 and subject to change without notice. Membership Money Market Account deposits must be from a non-USE account. $100 minimum deposit is required to open your account. $10 monthly fee on balances below $2,500. No ATM Access. An active USE checking account and a $5 Ownership Share account are required to earn APYs listed above. An active account is defined as having at least five posted transactions a month. Please contact a USE employee for current rates at 1-866-USE-4-YOU (873-4968). USE Credit Union reserves the right to not accept a deposit or an addition to an account or limit its size.
Wall Street Index Account
| Rate | APY | |
| With balances of $25,000 and above | .50% | .50% |
| With balances under $25,000 | .20% | .20% |
APY = Annual Percentage Yield. This is a variable rate account. Dividend Rates, APYs, and terms are subject to change without notice. APY is based on the "All Taxable Money Market Fund Average 7-Day Simple Yield" as published in the Wall Street Journal every Thursday, plus a margin that can range from minus 1% to plus 2%. Rates change on the 1st of the month, based on the rates published on the last Thursday of the previous month. Balances under $25,000 earn the same rate as our Regular Savings Account. All rates are subject to change at the discretion of the Board of Directors.
APY = Annual Percentage Yield. Information provided does not represent a Truth-in-Savings Disclosure. Dividend Rates, APYs, and terms are subject to change without notice. Term Investment penalties may apply to early withdrawals. There are fees associated with these accounts. See Schedule of Fees for more information. Fees may reduce earnings. Rates were offered within the past seven days. Please contact a USE employee for current rates at 1-866-USE-4-YOU (873-4968). USE Credit Union reserves the right to not accept a deposit or an addition to an account or limit its size.
Term Investment Accounts
Don't forget to check out our Home Page to see what promotional rates or products we may have available!
| Rate | APY | |
| 3 Months through 5 Months | ||
| $1,000 - $2,499 | .45% | .45% |
| $2,500 - $9,999 | .50% | .50% |
| Over $10,000 | .60% | .60% |
| 6 Months through 11 Months | ||
| $1,000 - $2,499 | .65% | .65% |
| $2,500 - $9,999 | .70% | .70% |
| Over $10,000 | .80% | .80% |
| 12 Months through 23 Months | ||
| $1,000 - $2,499 | .85% | .85% |
| $2,500 - $9,999 | .90% | .90% |
| Over $10,000 | 1.00% | 1.00% |
| 24 Months through 35 Months | ||
| $1,000 - $2,499 | 1.49% | 1.50% |
| $2,500 - $9,999 | 1.54% | 1.55% |
| Over $10,000 | 1.64% | 1.65% |
| 36 Months through 59 Months | ||
| $1,000 - $2,499 | 1.79% | 1.80% |
| $2,500 - $9,999 | 1.84% | 1.85% |
| Over $10,000 | 2.04% | 2.05% |
| 60 Months through 120 Months | ||
| $1,000 - $2,499 | 2.48% | 2.50% |
| $2,500 - $9,999 | 2.53% | 2.55% |
| Over $10,000 | 2.77% | 2.80% |
APY = Annual Percentage Yield. Information provided does not represent a Truth-in-Savings Disclosure. Dividend Rates, APYs, and terms are subject to change without notice. Term Investment penalties may apply to early withdrawals. There are fees associated with these accounts. See Schedule of Fees for more information. Fees may reduce earnings. Rates were offered within the past seven days. Please contact a USE employee for current rates at 1-866-USE-4-YOU (873-4968). USE Credit Union reserves the right to not accept a deposit or an addition to an account or limit its size.
Option Rate Term Investment Account
Don't forget to check out our Home Page to see what promotional rates or products we may have available!
| Rate | APY | |
| 13-Month Option Rate Term Investment | ||
| $10,000 - $24,999 | .75% | .75% |
| $25,000 - $49,999 | .80% | .80% |
| $50,000 - $99,999 | .90% | .90% |
| 24-Month Option Rate Term Investment | ||
| $10,000 - $24,999 | 1.39% | 1.40% |
| $25,000 - $49,999 | 1.44% | 1.45% |
| $50,000 - $99,999 | 1.54% | 1.55% |
| 36-Month Option Rate Term Investment | ||
| $10,000 - $24,999 | 1.79% | 1.80% |
| $25,000 - $49,999 | 1.84% | 1.85% |
| $50,000 - $99,999 | 1.89% | 1.90% |
APY = Annual Percentage Yield. Information provided does not represent a Truth-in-Savings Disclosure. Dividend Rates, APYs, and terms are subject to change without notice. Term Investment penalties may apply to early withdrawals. There are fees associated with these accounts. See Schedule of Fees for more information. Fees may reduce earnings. Rates were offered within the past seven days. Please contact a USE employee for current rates at 1-866-USE-4-YOU (873-4968). USE Credit Union reserves the right to not accept a deposit or an addition to an account or limit its size.
Don't forget to check out our Home Page to see what promotional rates or products we may have available!
| Term | Rate | APY |
| 12 Months | .95% | .95% |
| 18 Months | 1.00% | 1.00% |
| 24 Months | 1.64% | 1.65% |
| 60 - 120 Months | 2.77% | 2.80% |
APY = Annual Percentage Yield. Information provided does not represent a Truth-in-Savings Disclosure. Dividend Rates, APYs, and terms are subject to change without notice. Term Investment penalties may apply to early withdrawals. There are fees associated with these accounts. See Schedule of Fees for more information. Fees may reduce earnings. Rates were offered within the past seven days. Please contact a USE employee for current rates at 1-866-USE-4-YOU (873-4968). USE Credit Union reserves the right to not accept a deposit or an addition to an account or limit its size.
