LOCATIONS & ATMS RATES MEMBER ASSISTANCE Routing #322281691 SEARCH LOGIN Spend & Save Spend Checking Credit Cards Mobile Wallet Save Savings Money Market Term Certificates Track & Transfer Online & Mobile Banking Zelle Borrow Home Loans Auto Loans & Car Buying Boat & RV Loans Personal Loans Loans for Students Solar Loans Commercial Real Estate Plan Products & Services IRAs & Retirement Planning Investment Services Insurance Credit Protection Financial Wellness Dream Blog Financial Education & Counseling Calculators Community & About Community Community Impact Member Perks About Who We Are Careers JOIN Welcome to USE Credit Union What Do You Dream About? Let’s make that a reality JOIN USECU TODAY Tomorrow looks good from here. AUTO LOAN as low as 1.99 % APR HOME EQUITY LOAN as low as 3.99 % APR PERSONAL LOAN as low as 7.49 % APR PLATINUM PLUS MASTERCARD as low as 9.90 % APR SEE ALL RATES & LEARN MORE Make every day extraordinary. Sound like a tall order? Well, here at USECU, it’s our mission. We want to empower you to dream bigger and build a better future, and we do that by connecting you with quality financial services. How Dana finished college and recovered from bankruptcy JOIN USECU Whether you're saving for college or planning your retirement, we're here to help you build a better future. So, what’s the future you’ve been dreaming of? MAKE COLLEGE A REALITY FOR ME You’ve got a vision for your career. We’ve got the resources to help you make it happen. Here at USECU, your future is looking bright. HELP ME BUY MY DREAM HOME Ready to get the keys to your new home? Our lenders look forward to that moment almost as much as you do. Let’s make it happen. TRANSFORM DEBT INTO STABILITY With solid guidance, you can turn frustration into confidence. At USECU, we can offer low rate loans that really work for you. CREATE A COMFORTABLE RETIREMENT Picture yourself retired. How’s the view from there? We’re here to help you on your financial journey. Need a little help on the journey? We hear that. We offer a wide array of products and services to assist you. Let, us help you accomplish your goals. Get practical tips to help you accomplish your goals. We believe we’re better together. Every day, we’re helping California communities realize their dreams. Here’s how we did in 2020. WE HELPED 715 Californians green-up their homes with low-cost renewable energy loans. WE PROVIDED OVER $183M in mortgage loans, helping more than 450 Californians realize their dream of homeownership. WE DONATED MORE THAN $64K to causes directly impacting our communities. Say yes to possibility. Become a member. When you join USE Credit Union, you’re joining a team of people who are working to support your aspirations—and your community. JOIN USECU TODAY QUESTIONS? TALK TO US We're here to help you build a better future. Explore our blog to get practical tips to help you save, grow and accomplish your goals. START GETTING OUT OF DEBT TODAY If you’re struggling with debt, you’re not alone. Take a deep breath, then take these steps to help you become debt-free, faster. Read More START REPAIRING YOUR CREDIT SCORE IN 4 SIMPLE STEPS Don’t let a weak credit score hold you back from achieving your dreams. Start to strengthen your credit by following these four steps. Read More 11 AUTO LOAN TERMS YOU SHOULD KNOW BEFORE FINANCING A CAR Buying a new car can be stressful, but it doesn’t have to be. Brush up on these common car-buying terms so you can shop with confidence. Read More Disclosures Must meet membership and account criteria. All loans subject to credit approval. Rates, terms and conditions subject to change. Contact Us 866.873.4968 Locations & ATMs Forms Careers Let's Connect .icon_facebook{fill:#0068b0;} .icon_twitter{fill:#0068b0;} .icon_youtube{fill:#0068b0;} .icon_instagram{fill:#0068b0;} .icon_linkedin{fill:#0068b0;} Routing Number: 322281691 About this Site Disclosures Privacy & Security CCPA Privacy Policy - Do Not Sell My Info Website Terms of Service Accessibility Sitemap Online Banking LOGIN Forgot password? Test Browser Serving California counties of Alameda, Sacramento, San Diego, Santa Clara, or Yolo with checking accounts, savings accounts, auto loans, mortgages, personal loans, credit cards, and more banking products and services. Insured by NCUA | Equal Housing Opportunity NMLS #411617 | 2021 USE Credit Union. All Rights Reserved You have opted out of all tracking, your settings have been updated to reflect this change. CALIFORNIA CONSUMER PRIVACY ACT We use cookies and other digital information to make site navigation easier, analyze site usage, and for marketing purposes. To learn more about your options for opting out of digital tracking and information sharing, visit our CCPA Privacy Policy page. ACCEPT TERMS