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Savings Accounts

So many reasons to be optimistic

Open a new account

Are you Currently a member of USE Credit Union?

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A savings account isn’t just to use. It’s to dream.

The money you set aside today is there to transform your future. So dream bigger. Let’s make this happen.

More

Control, convenience, quicker progress.

Save money without even having to think about it, while monitoring your balance from the devices you like best. Want to be notified when you reach a goal? We’ll tell you.

  • Direct deposit to savings

    Want to get your money faster? Setting up direct deposit is really easy.

  • Automatic transfers

    Set up automatic, recurring transfers, and your saving goals will happen all by themselves.

  • Smartwatch banking

    Check the time; see your progress. Smartwatch banking lets you monitor your savings at a glance.

  • Alerts & eDocuments

    Set up text or email alerts to track what you need to know, and get all your account statements electronically.

We’ve got options for you.

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  • Best if you want:

    Best if you want:

  • Minimum Balance

    Minimum Balance

  • Opening Balance

    Opening Balance

  • Monthly Fee

    Monthly Fee

  • Higher Rate Dividends

    Higher Rate Dividends

  • ATM Card Option

    ATM Card Option

Advantage Savings

  • Best if you want:

    An account to get you in the habit of saving

  • Minimum Balance

    $200

  • Opening Balance

    $25

  • Monthly Fee

    $5 (waived if minimum balance requirements are met or with at least $35 automatic transfer from USECU Checking)

  • Higher Rate Dividends

    No

  • ATM Card Option

    Yes

Regular Savings

  • Best if you want:

    A savings account to help you save for something special

  • Minimum Balance

    $200

  • Opening Balance

    $25

  • Monthly Fee

    $5 (waived if minimum balance requirements are met)

  • Higher Rate Dividends

    No

  • ATM Card Option

    Yes

Holiday Savings1

  • Best if you want:

    An account to save for holiday cheer

  • Minimum Balance

    $0

  • Opening Balance

    $5

  • Monthly Fee

    $0

  • Higher Rate Dividends

    Yes, .30% APY

  • ATM Card Option

    No

Youth Savings2

  • Best if you want:

    A savings account for your little one

  • Minimum Balance

    $0

  • Opening Balance

    $25

  • Monthly Fee

    $0

  • Higher Rate Dividends

    No

  • ATM Card Option

    Yes

Open an account

Tomorrow looks good from here.

Savings Accounts

Savings Type

Dividend Rate

APY

Savings Type

Regular Savings

Dividend Rate

.05%

APY

.05%

Must meet membership and account criteria. Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms.

1. Deposits only, with one annual disbursement in November. A withdrawal, other than the scheduled disbursement, will cause the account to be closed and any accrued dividends will be forfeited.
2. Designed for minors under age 18, using the minor’s tax identification number. A person of majority age must also be joint on the account.

Savings Type

Advantage Savings

Dividend Rate

.05%

APY

.05%

Must meet membership and account criteria. Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms.

1. Deposits only, with one annual disbursement in November. A withdrawal, other than the scheduled disbursement, will cause the account to be closed and any accrued dividends will be forfeited.
2. Designed for minors under age 18, using the minor’s tax identification number. A person of majority age must also be joint on the account.

Savings Type

Holiday Savings1

Dividend Rate

.30%

APY

.30%

Must meet membership and account criteria. Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms.

1. Deposits only, with one annual disbursement in November. A withdrawal, other than the scheduled disbursement, will cause the account to be closed and any accrued dividends will be forfeited.
2. Designed for minors under age 18, using the minor’s tax identification number. A person of majority age must also be joint on the account.

Savings Type

Youth Savings2

Dividend Rate

.05%

APY

.05%

Must meet membership and account criteria. Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms.

1. Deposits only, with one annual disbursement in November. A withdrawal, other than the scheduled disbursement, will cause the account to be closed and any accrued dividends will be forfeited.
2. Designed for minors under age 18, using the minor’s tax identification number. A person of majority age must also be joint on the account.

Savings Type

IRA Regular Savings

Dividend Rate

.05%

APY

.05%

Must meet membership and account criteria. Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms.

1. Deposits only, with one annual disbursement in November. A withdrawal, other than the scheduled disbursement, will cause the account to be closed and any accrued dividends will be forfeited.
2. Designed for minors under age 18, using the minor’s tax identification number. A person of majority age must also be joint on the account.

Savings Type

Legacy Savings

Dividend Rate

.00%

APY

.00%

Must meet membership and account criteria. Rate terms and conditions subject to change. Dividend Rates (Rates) and Annual Percentage Yields (APYs) are the anticipated rates and yields for the current period and are variable, meaning they can change without notice unless noted otherwise. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Refer to the Schedule of Fees and Charges to see full rates and terms.

1. Deposits only, with one annual disbursement in November. A withdrawal, other than the scheduled disbursement, will cause the account to be closed and any accrued dividends will be forfeited.
2. Designed for minors under age 18, using the minor’s tax identification number. A person of majority age must also be joint on the account.

Need answers? We’ve got ’em.

You can make a deposit one of the following ways:

Mail your deposit with a deposit slip. USE Credit Union, P.O. Box 881109, San Diego, CA 92168.

To set up a payer direct deposit relationship, please complete our Direct Deposit Form and submit it to your employer, state or federal agency, or to another entity that pays you on a regular basis.

If you’re using a different direct deposit form, please be sure to enter our Routing and Transit Number: 322281691.

We offer several convenient ways to transfer money between your USECU accounts:

  • Log in to Online Banking and click the Move Money tab
  • Log in to Online Banking using our Mobile App and tap Transfers
  • Use our 24-Hour Telephone Banking Line at 866.873.4968
  • Visit any CO-OP ATM

See all the answers on this topic or Talk to a human

Wait a sec, did you know?

We offer a couple other ways to save, too.

Money Market accounts deliver higher earnings than traditional savings, with the ability to earn higher tiered dividends on larger balances.

Explore Our Money Market Account

Meanwhile, if you don’t need immediate access to your funds a Term Certificate offers even higher dividends—and you can use it to secure a loan.

Explore Our Term Certificate Accounts

We can help you plan your retirement.

It’s never too early to start thinking about what’s next. Whether you’re planning years ahead of the game, or you’ve already retired, we’ll work with you to build the future you envision.

Explore Retirement Planning

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Ready to take the next step?

Open a savings account online
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call or email us

866.873.4968
memberservice@usecu.org

Disclosures

Must meet membership and account opening criteria. Mobile and data rates apply when using Mobile Banking.

1. Deposits only, with one annual disbursement in November. A withdrawal, other than the scheduled disbursement, will cause the account to be closed and any accrued dividends will be forfeited.
2. Designed for minors under age 18, using the minor’s tax identification number. A person of majority age must also be joint on the account. Offer subject to change without notice. Limit one bonus per minor social security number.