USE Credit Union

About USE Credit Union

Welcome to Values-Based Banking 
USE Credit Union is a not-for-profit financial co-operative committed to values-based banking so we can help our members and local communities thrive financially, socially and environmentally. Put simply, we’re in the business of “people helping people” to help make our world a better place. Our story began on April 30, 1936, when a small group of dedicated and passionate people formed USECU to serve the financial needs of San Diego's Division of Highway employees.

Today, we serve more than 50,000 members and partner with community businesses to help individuals meet their financial goals and build personal wealth, which strengthens our community. Membership is open to California's academic community, including the faculty, staff, students and alumni at colleges and universities within the University of California and California State University system.

We’re “Better Together”
Sure, we're proud of the fact that more than 50,000 members look to USE Credit Union as a trusted financial partner.  But “strength in numbers” is never our sole focus.  USE Credit Union is about helping each of our members get to a good place with their finances, while improving the place we call home.

What We Care About
At USE Credit Union, we believe in these core values:

  • At Your Service
  • Act as One
  • We Value You
  • Work With Integrity
  • Make it Happen Effectively

Our Vision
We transform lives by making dreams happen.

Our Culture
USE Credit Union’s employees and volunteers are often described as entrepreneurial, innovative, accountable, acting with integrity, playful and humorous.

Where We Began.  Where We’re Going.
USE Credit Union was established in 1936 as California State Credit Union #17, with the primary goal of helping employees of the San Diego branch of the Division of Highways. In the 1970s, the Credit Union became known as University & State Employees Credit Union, reflecting USE's expanded legacy of serving the financial needs of university and state employees. And in 1999, when our charter expanded again to include members of the community at large, we began using the shortened "USE" acronym in most of our business dealings. Today, USE Credit Union (headquartered in San Diego, California) is among the top 50 in asset size of more than 400 credit unions in the state.

Who Can Join
You are eligible to join us if you live, work, or worship in the California counties of Alameda, Sacramento, San Diego, Santa Clara, or Yolo. You are also eligible for membership if you fall within one of the following groups at the time you join the Credit Union:

  • Employees of the State of California, including all administrative offices of the State
  • Employees, students or Alumni of the University of California and California University system
  • Retired employees of the State of California or University of California System
  • Employees and/or members of a Select Employee Group (SEG)
  • Immediate family members and cohabitants of USE Credit Union members

If you’re already a member, we thank you. Your membership is very important to us. If you’re not yet a member, we invite you to take the next step to membership.


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ABA Routing Number: 322281691
© 2018 USE Credit Union