Credit union · NCUA insured
US Employees Federal Credit Union
A $210.2M credit union headquartered in Oklahoma City, OK, with 15,027 members and 4 branches in Oklahoma. Best rates: CDs 4.35% and savings 1.25% APY.
US Employees Federal Credit Union Carrot Score
78
Carrot Score
Higher than 47% of U.S. banks and credit unions
#23 of 47 in Oklahoma City, OK metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About US Employees Federal Credit Union
USE Federal Credit Union is a member-owned, not-for-profit financial cooperative chartered in 1938 by Oklahoma City postal workers.
Headquartered in Oklahoma City with five metro branch locations, it specializes in finding financial solutions for hardworking people who may not qualify at a traditional bank.
- Headquarters
- 4301 S Interstate 44 Service Rd, Oklahoma City, OK 73119
- NCUA charter
- 2744
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Family and household
- Membership is available to immediate family and household members of existing members, regardless of employer.
Cost to join
- Opening a Share Savings account requires a $5 minimum deposit.
Branches
4 branches in Oklahoma
Loading map…
Oklahoma
4 branches
- Branch 19244 E Reno Ave, Midwest City, OK 73130Directions
- Branch 3320 SW 19th St, Moore, OK 73160Directions
- Branch 24025 W Reno Ave Rm 1064, Oklahoma City, OK 73125Directions
- Branch 42705 Northwest Expy, Oklahoma City, OK 73112Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.31% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.20% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.74% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $80 | $76 | — |
- CapitalNet worth ratio16.31%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.20%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.74%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$80Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of US Employees Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.