USE Credit Union is a member-owned financial cooperative serving individuals and families through branch locations in the greater Houston area, including its office at 9700 Richmond Ave. Suite 150 in Houston, Texas. As a credit union, it operates under a not-for-profit structure in which eligible members purchase shares and, in turn, gain access to core deposit and lending services.
The organization’s primary functions typically include accepting deposits through share (savings) and checking accounts, offering consumer and other installment loans, and providing electronic account access via online and mobile channels. It operates under state and federal regulatory oversight applicable to credit unions, with governance generally carried out by a volunteer board elected from the membership. Within this framework, USE Credit Union focuses on day‑to‑day account servicing, transaction processing, and credit evaluation while managing liquidity, capital, and risk to support ongoing operations and member access to commonly used retail financial services.
Better than 39% of providers in Houston
In addition to the primary service, USE Credit Union also offers:
Links and information about USE Credit Union:
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www.houstonfcu.orgCredit unions differ from banks and other financial institutions in that those who have accounts in the credit union are its members and owners, and they elect their board of directors in a one-person-one-vote system, regardless of the amount they might have invested. Credit unions generally see themselves as different from mainstream banks, with a mission to be community-oriented and to "serve people, not profit".... America's Credit Union Museum now occupies the location of the home from...
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Find answers to common questions
USE Credit Union is listed as a financial service provider in Houston, TX and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask USE Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from USE Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare USE Credit Union with other providers in Houston and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
USE Credit Union has a rating of 3.4, which is better than 39% of providers in Houston.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents USE Credit Union requests. It is always best to call ahead using the phone number on this page so USE Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, USE Credit Union also offers: Credit union, ATM.