Savings Accounts
So many reasons to be optimistic
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.
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.
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Direct deposit to savings
Want to get your money faster? Setting up direct deposit is really easy.
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Automatic transfers
Set up automatic, recurring transfers, and your saving goals will happen all by themselves.
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Smartwatch banking
Check the time; see your progress. Smartwatch banking lets you monitor your savings at a glance.
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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.
Swipe to view more
Open a Youth Savings account before your child’s first birthday.
For a limited time, we’ll match your first deposit, up to $50,* when you open a
Youth Savings account before your child’s first birthday and mention promo code
DARE2DREAM.
Every dream begins with a plan.
Join the 52-week Savings Challenge, and by the end of the year, you’ll have saved nearly $1,400.
It’s easy. Put $1 in your savings account on your first week. On week two, transfer $2. Keep increasing the amount each week, and you’ll be surprised how fast your savings add up. You’ll also build a healthy new habit that will help bring more of your dreams to life.
Tomorrow looks good from here.
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Savings Type |
Dividend Rate |
APY |
|---|---|---|
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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. |
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Savings Type Regular Savings |
Dividend Rate .05% |
APY .05% |
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Savings Type Advantage Savings |
Dividend Rate .05% |
APY .05% |
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Savings Type Holiday Savings1 |
Dividend Rate .30% |
APY .30% |
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Savings Type Youth Savings2 |
Dividend Rate .05% |
APY .05% |
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Savings Type IRA Regular Savings |
Dividend Rate .05% |
APY .05% |
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Savings Type Legacy Savings |
Dividend Rate .00% |
APY .00% |
Need answers? We’ve got ’em.
You can make a deposit one of the following ways:
- Make a Mobile Deposit using our Mobile App.
- Make an ATM deposit.
- Bring your deposit into any USE Credit Union branch or CO-OP Shared Branch location.
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
Ready to take the next step?
Disclosures
Must meet membership and account opening criteria. Mobile and data rates apply when using Mobile Banking.
Offer subject to change without notice. Limit one bonus per minor social security number.
*Child must be under 1 year of age, or have been placed with their adoptive/foster family within the past 12 months at time of account opening. Bonus will be paid at account opening and is subject to tax.