Credit union · NCUA insured
USE Credit Union Savings Rates
Top CarrotUSE Credit Union’s best savings rate is 0.06% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How USE Credit Union’s savings rates compare
Compared with banks and credit unions near Houston, TX, where USE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
USE Credit Union
0.06%APY
- Minimum
- $100
- Earns on $10,000 a year
- $6
Money Market Account
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
USE Credit Union savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.06%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where USE Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.06%APY
$10 monthly service fee waived with a $2,500 minimum average daily balance in money market or $7,500 combined balance between savings, checking, certificate or IRA.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500No minimum balance required to earn monthly dividends. $10 monthly service fee waived with a $2,500 minimum average daily balance in money market or $7,500 combined balance between savings, checking, certificate or IRA. | 0.05% | — | No minimum balance required to earn monthly dividends. $10 monthly service fee waived with a $2,500 minimum average daily balance in money market or $7,500 combined balance between savings, checking, certificate or IRA. |
| $2,500 – $25,000$10 monthly service fee waived with a $2,500 minimum average daily balance in money market or $7,500 combined balance between savings, checking, certificate or IRA. | 0.06% | $6 | $10 monthly service fee waived with a $2,500 minimum average daily balance in money market or $7,500 combined balance between savings, checking, certificate or IRA. |
| $25,000 and up$10 monthly service fee waived with a $2,500 minimum average daily balance in money market or $7,500 combined balance between savings, checking, certificate or IRA. | 0.10% | — | $10 monthly service fee waived with a $2,500 minimum average daily balance in money market or $7,500 combined balance between savings, checking, certificate or IRA. |
Special-purpose accounts
GREAT Savings
0.05%APY
Serves as Membership Deposit Account when joining USE Credit Union. $3.00 monthly service fee is waived if minimum average daily balance of $300.00 is met, and for members under 18 years of age or 65 years of age and older. Requires $25 balance to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may change after account opening and fees may reduce earnings. $3.00 monthly service fee waived with $300.00 minimum average daily balance or for members under 18 or 65 and older.Any balance | 0.05% | $5 | Rates may change after account opening and fees may reduce earnings. $3.00 monthly service fee waived with $300.00 minimum average daily balance or for members under 18 or 65 and older. |
IRA Variable Savings
0.05%APY
Can be opened with a $100 minimum deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may change after account opening and fees may reduce earnings.Any balance | 0.05% | $5 | Rate may change after account opening and fees may reduce earnings. |
Who can join USE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in the Houston Metro area or specified surrounding communities are eligible for membership.
Military, government and schools
- U.S. Government Employees are eligible for membership.
Membership information collected October 5, 2026.