USE Credit Union

Benefits of Membership

You can act like you own the place, because you do.
USE Credit Union is owned by members—people just like you.  Unlike banks that need to make a profit to keep shareholders happy, USE Credit Union places people before profit.  We’re in business for the benefit of our members, and the differences don’t stop there.

Credit Unions vs. Banks

Credit Unions Banks
Not-for-profit Profit-oriented
Returns profits to members in the form of lower loan rates, higher savings rates and free or low-cost services. Returns profits to stockholders.
Each person who deposits money is a member with a share of ownership. Customers have no ownership in the corporation.
Members elect a volunteer Board of Directors to represent their interests. Controlled by stockholders and paid officials.
Member-service-driven Profit-driven
Are federally insured by the National Credit Union Administration (NCUA) or a private insurer. Are federally insured by the Federal Deposit Insurance Corporation (FDIC)

Your deposits are federally insured (up to the same limit as with a bank).
Enjoy the peace of mind that your deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA).

Since 1936, USE Credit Union has delivered exceptional value including:

Come join us and discover why we’re “Better Together”
Joining USE Credit Union is easy.  Complete our Online Membership Application or drop by a Branch near you! Already a member? Click here to add another account.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government BBB Equal Housing Opportunity MasterCard SecureCode Sprint Credit Union Service Centers
ABA Routing Number: 322281691
© 2018 USE Credit Union