Become a USECU Member

From its humble beginnings back in 1933, USE Credit Union has grown to over 7,000 members. Much has changed through the years; however, our mission has remained the same: “Encourage members’ personal success through exceptional financial services today and tomorrow.” USECU is proud to be a local, not-for-profit financial institution that is focused on you, our member-owners.

At USECU, we put our members first by providing affordable financial products and services delivered in a friendly, personal manner. As a member, you will also receive lower rates on loans, higher dividends on deposits, and lower fees on services!

Membership Eligibility

Being a member of a credit union is like being part of an exclusive club with all the greatest amenities! But, credit union membership is anything but exclusive! USE Credit Union’s primary field of membership is U.S. Government Employees. However, through community charters for South Montgomery County, Richmond, Gessner, and other surrounding communities, we’ve expanded our membership!

USE Credit Union is open to individuals who live, work, or worship in the Houston Metro area and the following areas:

  • Alief

  • Bellaire

  • Braeswood

  • Briargrove

  • Bunker Hill Village

  • Chateau Woods

  • Conroe

  • Cut and Shoot

  • Hedwig Village

  • Hunters Creek Village

  • Meadow Place

  • Missouri City

  • Oak Ridge North

  • Plantersville

  • Shenandoah

  • Spring

  • Spring Valley

  • Stafford

  • The Woodlands

  • Timber Lakes & Timber Ridge

  • Tomball

  • Westchase

  • Willis

  • Woodloch

You may be eligible to join and experience all the benefits of membership. If you don’t see your area listed, please send us an email or call us at (713) 595-3400 to see if you are eligible for membership. All memberships are subject to approval including credit approval.

Membership Benefits

As a member-owner of USE Credit Union, you’ll enjoy membership benefits such as:

  • Free checking account

  • Low auto loan rates

  • Car shopping assistance (through Member Auto Center)

  • Competitive loan rates, as much as 2% lower than the major banks

  • 9.9% – 12.9% credit card interest rates

  • Lower service fees

  • Overdraft protection and privilege

…and more! USE Credit Union is not just a financial institution, and you’re not just a number. As a member-owner, you can be proud of what you are doing for yourself, your fellow members, and your community.

Ready to Join the USECU Family?

Start your application by filling out our New Membership Inquiry Form. After you submit it, a USECU member service representative will process your application and follow up with you within one business day.