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Turn your dreams into your every day.

At USECU, we transform lives by making dreams happen. With tangible support and tools to help you make strong financial decisions—as well as with a full suite of financial products and services—we’re ready to help you build the future you envision.

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Map the Path to Your Dreams with USECU

Make a meaningful connection.

We’re committed to listening to you. No matter what you’re aiming for, we believe in you. And every day, we work to empower you to make those intentions a reality.

Find us where you are.

In addition to our own branches and ATMs, we have more than 30,000 surcharge-free ATMs and 6,000 shared branches across the country. Wherever you go, we’re there.

Get better rates and full-service value.

USECU offers competitive rates and fewer fees than you’ll find at a bank, and with a full suite of financial offerings all under one roof, we’ve got you covered.

Enjoy a collaborative partnership.

Do you want a creative, innovative partner who will keep their promises, think big picture, and find a way to make your goals happen? You’re looking at ’em. We don’t just look out for your money: we look out for you.

Get anywhere, anytime access.

Through Online Banking and mobile wallet, you’ll have the tools to transform everyday tasks into a simple, seamless flow. Trust USECU to provide exceptional banking experiences.

Feel good about giving back.

When you bank with USECU, you’re working with a financial institution that invests in projects with the vision to make a difference. We dream big, and we want our communities to dream big, too.

We are making dreams happen.

How Karen and Steven were able to manage the costs of grandparent parenthood
It was great news for Karen and Steven when they were given full guardianship/stewardship of their four and six-year-old grandchildren, but becoming parents a second time around wasn’t in their original financial plan. As members of USECU for 34 years, they knew that Michele in our Member Service Center would know how to help them explore their options.
Read more about how we helped Karen and Steven

Feel good about giving back.

When you bank with USECU, you’re working with a financial institution that invests in projects with the vision to make a difference. We dream big, and we want our communities to dream big, too.

In 2019, USECU helped
1,096

Californians green-up their homes with low-cost, renewable energy loans.

In 2019, USECU provided more than
$124M

in mortgage loans, helping over 300 Californians realize their dreams of homeownership.

In 2019, USECU Dream Makers volunteered nearly
800 hrs

to causes, events and organizations that reflect our commitment to health, wellness and inclusiveness.

Find out more about our impact

Why bank with USE Credit Union?

Sure, we could go on and on about why credit unions are better than banks, but we feel the difference speaks for itself.

Swipe to see more stories

  • Rates and fees

    Rates and fees

  • Ownership

    Ownership

  • Classification

    Classification

  • Primary Focus

    Primary Focus

  • Governance

    Governance

  • Insured by

    Insured by

USE Credit Union

  • Rates and fees

    Better rates, fewer fees

  • Ownership

    Members (including you and your family)

  • Classification

    Not-for-profit

  • Primary Focus

    We serve the needs of our members and communities by investing our non-interest income and interest from loans in local organizations that are working to make a difference.

  • Governance

    Every USECU member has a voice. Our volunteer Board of Directors are elected by you, and they’re there to offer guidance and expertise to benefit our entire member base.

  • Insured by

    NCUA ($250K)

Banks

  • Rates and fees

    Higher rates, more fees

  • Ownership

    Shareholders, not necessarily customers

  • Classification

    For-profit

  • Primary Focus

    Banks are governed by shareholders whose incentive is to make as much profit as possible regardless of how their investments affect local communities.

  • Governance

    Banks pay their Board of Directors and use the income they generate from fees, interest, business accounts and investments to increase their shareholders’ earnings.

  • Insured by

    FDIC ($250K)

Who’s eligible to join USECU?

  • Everyone who lives, works, or worships in the California counties of Alameda, Sacramento, San Diego, Santa Clara, or Yolo.
  • Every employee of the State of California, including all its administrative offices.
  • Every employee, retiree, student or alumnus of the University of California and California State University system.
  • Every employee and member of a Select Employee Group (SEG).
  • Immediate family of a USE Credit Union member or persons living in the same residence with a member and maintaining a single economic unit.
Join USECU - Mother with her son

Have some fun while you’re here

With collaborative service, access to strong financial expertise, comprehensive product offerings, and full-service digital banking, we think you’ll like being a member of USECU. But it doesn’t end there.

Man reviewing financial wellness

Fine-tune your financial wellness

In the GreenPath Financial Wellness program, you can access individualized tools and tips to help you pursue your personal goals.

Explore your options

Women enjoying TicketsatWorkⓇ from USECU

Get TicketsatWork®

Enjoy discounts at movie theaters, sporting events, theme parks, amusement parks, museums, plays and more.

See all your member perks

How the Hoyo family tackled COVID-19
Virtually everyone has been impacted in some way by the COVID-19 pandemic, but few have been affected as extensively as the Hoyo family—Erik, his wife Laura, three of their four children, and Laura’s mother all contracted the illness. If that wasn’t enough, the vehicle they’d financed through USECU was stolen a couple of months earlier.
Read more about how we helped this family focus on their recovery

How to get started

Are you at least 18 years old and eligible for membership? We’re so glad to hear it!

To take the next step, you’ll need:

  • Your social security number and date of birth
  • A government-issued ID with your current address (such as a driver’s license, state ID, or passport)
  • Your physical residence address 
  • Information about your employment
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Ready to take the next step?

Join online
Get Started
Join in person
Find my nearest location
Call or email us

866.873.4968
memberservice@usecu.org

Disclosures

Must meet membership criteria. USE Credit Union is not an affiliate of GreenPath Financial Wellness or TicketsAtWork.com. GreenPath Financial Wellness provides financial education and counseling services on our behalf. This partnership is available as a free member benefit. TicketsAtWork.com is a registered trademark of Entertainment Benefits Group, LLC.