Become a Member

From its humble beginnings back in 1933, USE Credit Union has grown to over 9,000 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!

Think of the ice casino as an exclusive establishment, where membership opens you up to many opportunities. Likewise, a credit union also creates a sense of exclusivity and privilege. Just like in a casino, where everyone can enjoy the entertainment, membership in the union is open to different groups, expanding the pool of possible members. This enables a wider range of people to enjoy benefits and services that were previously restricted to certain groups.
The casino can provide different benefits depending on which aspect you are interested in:

Entertainment and Entertainment: A casino is a place where you can have fun and enjoy a variety of games. This is a space for rest, excitement and fun.
Chance to Win Money: For many, the main advantage is the chance to win money. The casino offers a wide selection of games where players can try their luck and win.
Bonuses and Loyalty Programs: Casinos often provide bonuses, free spins, or loyalty programs for regular customers, allowing you to get additional benefits for being active in the game.
Social Aspect: For many people, the casino is a place to meet and communicate with friends, fellow players or new people. The social aspect of gaming can be just as important as the games themselves.

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

Member BenefitsAs 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.