Review of USA Federal Credit Union
The International Headquarters address is:
USA Federal Credit Union
9999 Willow Creek Rd
San Diego, CA 92131
The "24-Hour Contact Center" is available 7 days a week. They can be reached at the following telephone numbers.
Telephone:
(800) 220-1USA (1872) within the U.S.
or (858) 831-8100 locally and outside the U.S.
Website:www.usafedcu.org
The USA Federal Credit Union was established in 1953 and currently serves more than 60,000 members. The website lets prospective members know that the USA Federal Credit Union is a full service financial cooperative, which is owned by the members.
Membership and Eligibility Information:
Some of the individuals eligible for USA Federal Credit Union membership include either active or retired military personnel, members of the San Diego Navy League, and ROTC Students and Drilling Reservists in several Western States. For a complete list of those individuals eligible for membership in the USA Federal Credit Union click here.
Opening An Account:
To become a member in the USA Federal Credit Union you need to request a membership kit. Click here for the online request form.
The USA Federal Credit Union requires you to pay a $5 membership fee and start a savings deposit with at least $5 before becoming a member.
Locations:
The USA Federal Credit Union branches in the U.S. are located in San Diego County, California, Riverside County, California, and Las Vegas, Nevada.
The USA Federal Credit Union branches located overseas are in Japan and Korea.
Click here for more information regarding branch and ATM locations.
Online Accessibility:
The USA Federal Credit Union offers members "Quick Connect Online" where they are able to, among other things, access account balances, look at account history, and apply for a loan. USA Federal Credit Union members incur no charge for enrollment in "Quick Connect Online", or any monthly service fees for accessibility to this online feature.
USA Federal Credit Union offers an informative "QuickConnect Online" FAQ section. You can access this section by clicking here.
USA Federal Credit Union offers an "Online Bill Pay" feature. Bills cannot be paid using a savings account. Members must have a checking account in order to access the "Online Bill Pay" feature. USA Federal Credit Union has a helpful FAQ section for "Online Bill Pay" information. You can access that information by clicking here.
Some Information About Rates:
USA Federal Credit Union has 60-month auto loans for both new and used vehicles for as low as 6.24% Annual Percentage Rate.
USA Federal Credit Union offers "Debt Consolidation" loans that have a $25 (one-time) consolidation fee. The loan term can go up to 60 months, with a minimum loan amount of $2,500 at an annual percentage rate (APR) of 12.50% to 18.00%.
Click here for details about various loans.
Money Market Rates:
With a balance of $0.00 to $2,499.99 the dividend rate is 0.00% and the Annual Percentage Yield (APY) is 0.00%. Balances of $2,500.00 to $9,999.99 earn a dividend rate of 1.24% and an Annual Percentage Yield (APY) of 1.25%.
"Share Savings":
Balances of $0.01 and above earn dividend rates of 0.50% and an Annual Percentage Yield (APY) of 0.50%.
For more information about savings and checking accounts, click here.
Credit Cards:
USA Federal Credit Union has various credit cards available to members. They are the "Freedom Platinum Rewards Visa Credit Card", the "Visa Platinum Credit Card", and the " Share Secured Platinum Credit Card". For details about any of the above-mentioned credit cards click here.
The "Freedom Platinum Rewards Visa Credit Card" gives you the opportunity to earn one (1) point for each $1 you spend. An example of a reward is $15 cash for 2,375 points. This link will show you the rewards offered with this card.
Miscellaneous:
USA Federal Credit Union publishes Pathways, a quarterly newsletter for members.
Make certain to check with the USA Federal Credit Union regarding any rates, fees, etc. as these are subject to change.
Published by Bernadette
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1 Comments
Post a CommentAnnoying things people should know about this credit union:
"Quick Connect" online banking is not quick and you can't always connect. If you want to log in and check your balance, they require you to jump through multiple hoops to log in (ie, have them email you a code or send a text message to your registered cell phone). The server that sends out verification emails doesn't always function and often sends these emails out hours after you request. So if you're the type of person who likes to be able to check your account balance whenever it's convenient for you, please find a normal bank. I have never encountered another bank that has such an odd system.
USA Federal Credit Union is not compatible with financial planning and aggregating sites like Yodlee and Mint, so don't even try linking them up. I asked customer service about it and received no response or explanation.
Also, access to your funds may be randomly cut off without warning. This happened to me twice, both