USE Credit Union

Deposit Rates

Rates Effective: 

Printable Deposit Rate Sheet

Premier Membership Checking Account

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.

Regular Savings, Advantage Savings, Penny Savings, IRA Regular Savings Account


Holiday Savings Account

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


Money Market Advantage Account


Membership Money Market Account

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 is required to earn APYs listed above. An active account is defined as having at least five posted transactions a month.

Wall Street Index Account

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.

12-Month Add-On Term Certificate Account


Term Certificate Accounts


Option Rate Term Certificate Account


IRA Term Certificate

APY = Annual Percentage Yield. Dividend Rates, APYs, and terms are subject to change without notice. Dividend rates and APYs are variable and are the anticipated rates and yields for the current period. Penalties may apply to early withdrawals for Certificate accounts. See Schedule of Fees for information about applicable fees. Fees may reduce earnings. Please contact a USE employee for current rates at 866.USE.4.YOU (873-4968).


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