USE Credit Union
Checking & Savings

Savings Accounts

The Future Arrives Faster Than You Know. We'll Help You Be Ready. 

Whether you're putting money aside for retirement, a rainy day or for any reason, you need a safe and convenient way to make it happen. That's why USE Credit Union offers you several savings options to make your dreams come true. From our traditional savings accounts to our Holiday Savings and Penny Account for kids, we give you more ways to take control of your family's future. You can even transfer money each month from checking to make savings even easier.

Regular Savings Holiday Savings1 Penny Savings2
Minimum Daily Balance to Avoid Fee  $200 $200 $0 $0
Minimum Opening Deposit $25 $25 $5 $25
Monthly Fee $5 (waived with min. $35 automatic transfer from USE Checking) $5 $0 $0
Higher Rate Dividends      Yes  
ATM Access3 Yes   Yes    
Unlimited Deposits and Withdrawals4  Yes   Yes
Funds Pledged as Collateral5   Yes    
Automatic Checking Transfer  Yes  Yes Yes  Yes

How To Open Your Account
Visit any local USE Branch, open your account online, or contact our Member Service Center at You can also view our current rates to get started.

Already a Member? Click here to add another account.

1. Dividends calculated on daily and paid annually. One annual disbursement in November. If you need your money sooner, the account will be closed and accrued dividends forfeited. 2. Designed for children under the age of 18. 3. No check access. 4. Transaction limitations apply. 5. Funds Can be pledged as collateral for a Savings-Secured Loan at only 3% higher than your Regular Savings Account rate.






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
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