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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 USE Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
USE Federal Credit Union's CDs - 12 month rates are at 3.75%, CDs - 24 month rates are at 3.50%, CDs - 36 month rates are at 3.25%, CDs - 48 month rates are at 3.25%, CDs - 6 month rates are at 3.25%. USE Federal Credit Union's savings rates are at 1.75%. USE Federal Credit Union's money market rates are at 2.25%. USE Federal Credit Union's ARM (Adjustable Rate Mortgage) rates are at 5.88%, ARM (Adjustable Rate Mortgage) Cash-Out rates are at 6.38%, Conventional 15 Year Fixed rates are at 6.88%, Conventional Mortgage rates are at 6.88%, VA 30 Year Fixed rates are at 7.38%. USE Federal Credit Union's Personal Loan Rates are as low as 10.00%. USE Federal Credit Union's Credit Card Rates are at 10.00%. USE Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of USE Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.79%. Rates last updated and verified on 10/28/2026. USE Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at USE Federal Credit Union? Share your experience about USE Federal Credit Union by leaving a review below, or read customer reviews before you decide to use USE Federal Credit Union. USE Federal Credit Union
MAIN OFFICE 4301 S INTERSTATE 44 SERVICE RD
https://www.usecreditunion.org OKLAHOMA CITY, OK 73119  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. USE Federal Credit Union CD Rates
USE Federal Credit Union Savings Rates
USE Federal Credit Union Money Market Rates
USE Federal Credit Union Mortgage Rates
USE Federal Credit Union Home Equity & HELOC
USE Federal Credit Union Auto Loan Rates
USE Federal Credit Union RV, Boat and Powersport Loan Rates
USE Federal Credit Union Credit Card Rates
USE Federal Credit Union Personal Loan Rates
USE Federal Credit Union Other Rates
Financial Health HistoryUSE Federal Credit Union’s Texas Ratio stayed near 1.22% in Q3 2023 to 0.79% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for USE Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather USE Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with USE Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
USE Federal Credit Union
Website
https://www.usecreditunion.org
Address
4301 S INTERSTATE 44 SERVICE RD,
OKLAHOMA CITY, OK 73119
Phone
405-685-6200
Fax
405-682-6235
President
EUGENE TALLEY
CEO
RUSSELL NEUENSCHWANDER
Full-Time Employees
53
Part-Time Employees
2
Branch Locations
5
ATM Locations
4
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.79%
Return on Assets (ROA)
0.3629%
Return on Equity (ROE)
2.2259%
Non-Performing Loans Ratio (NPL)
0.20%
Total Assets
213,472,313
Total Amount of Shares and Deposits
181,435,813
Total Shares and Deposits < 1 Year
168,027,956
Total Shares and Deposits 1 3 Years
13,040,188
Total Shares and Deposits > 3 Years
367,669
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
9,250,965
Total Uninsured Shares and Deposits > $250K (F+J)
9,250,965
Total Insured Shares and Deposits > $250K (item 17 less item K)
172,184,848
Total Interest Expense (Sum of items 6 8)
1,183,144
Share Certificates
1,222
Number of Accounts for Share Drafts
7,384
IRA KEOGH Accounts
385
Number of Accounts for Regular Shares
16,024
Non Member Deposits
8
Money Market Shares
366
Net Income (unless the amount is already included in Undivided Earnings)
774,760
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,860,702
Total Liabilities
183,840,814
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About USE Federal Credit UnionDoes USE Federal Credit Union offer CDs?Yes. USE Federal Credit Union current CD rates include its CDs - 12 month at 3.75% APY, its CDs - 24 month at 3.50% APY and its CDs - 36 month at 3.25% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from USE Federal Credit Union NCUA insured?Yes. USE Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at USE Federal Credit Union?The highest USE Federal Credit Union CD rate is its 14 Month CD Special at 4.35% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does USE Federal Credit Union offer?USE Federal Credit Union CD rates are 3.25% APY for a 6 month CD, 3.75% APY for a 12 month CD, 3.50% APY for a 2 year CD, 3.25% APY for a 3 year CD and 3.25% APY for a 4 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with USE Federal Credit Union for its full lineup. What is the highest savings rate at USE Federal Credit Union?The highest USE Federal Credit Union savings rate is its IRA Savings Account at 1.75% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at USE Federal Credit Union?The highest USE Federal Credit Union money market rate is its Money Market Accounts at 2.25% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest 30 year fixed mortgage rate at USE Federal Credit Union?The lowest USE Federal Credit Union 30 year fixed mortgage rate is its VA 30 Year Fixed at 7.375%, verified by MonitorBankRates as of October 28, 2026. USE Federal Credit Union mortgage rates are 7.50% for a 30 year mortgage and 6.875% for a 15 year mortgage. What is the lowest auto loan rate at USE Federal Credit Union?The lowest USE Federal Credit Union auto loan rate is its New & Used Autos at 3.74% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at USE Federal Credit Union?The lowest USE Federal Credit Union personal loan rate is its Personal Credit Card - Platinum at 10.00% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at USE Federal Credit Union?The lowest USE Federal Credit Union credit card APR is its Personal Credit Card - Platinum at 10.00% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does USE Federal Credit Union operate?USE Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join USE Federal Credit Union?Yes, to access services at USE Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, USE Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, USE Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does USE Federal Credit Union offer online and mobile banking?Most modern institutions like USE Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.usecreditunion.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do USE Federal Credit Union rates compare?USE Federal Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A+ health rating. USE Federal Credit Union's top rates are its 14 Month CD Special at 4.35% APY, its IRA Savings Account at 1.75% APY, its Money Market Accounts at 2.25% APY, its ARM (Adjustable Rate Mortgage) at 5.875%, its Personal Credit Card - Platinum at 10.00% APR and its Personal Credit Card - Platinum at 10.00% APR, verified by MonitorBankRates on October 28, 2026. Current USE Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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