We’re a credit union, not a bank…and we are different. USECU is member-owned, and not run by stockholders. Credit unions are not-for-profit organizations; therefore, we are able to pay higher dividends on deposit accounts, charge lower fees, and offer lower rates on loans. U.S. Employees Credit Union has been helping people achieve financial success since 1953. Members have 24/7 access to their accounts via free e-services and thousands of surcharge free ATMs.