Find all the latest USE Credit Union promotions, bonuses, and offers here.
Currently, they are offering $100 and $300 bonuses with a new Checking Account when you meet the requirements.
About USE Credit Union Promotions
Use Credit Union traces its origins back to 1936 when it was formed to serve the financial needs of San Diego’s Division of Highway employees. That has since proudly expanded to 9 branches across California to better accommodate their workers.
| Eligibility: Membership in USE Credit Union is open to the following: (1) those who reside, worship, or work in Alameda, San Diego, Sacramento, Yolo, or Santa Clara counties in California; (2) employees or retirees of the State of California; (3) employees, retirees, students or Alumni of the University of California and California State University system. (A full list of requirements is posted in the credit union’s online account opening process). See current membership details |
I’ll review the offers below.
USE Credit Union $300 Checking Bonus
Stay connected with a new checking account and get a $300 bonus.
- What you’ll get: $300 bonus
- Account Type: Checking Account
- Availability: CA. Everyone who lives, works, or worships in the California counties of Alameda, Sacramento, San Diego, Santa Clara, or Yolo. (Bank Locator)
- Direct Deposit Requirement: Yes, $250+
- Credit Inquiry: Soft pull (report of hard pull). Might be soft pull in branch and hard online
- ChexSystems: Yes
- Credit Card Funding: Up to $500
- Monthly Fee: None
- Early Account Termination Fee: $15, 90 days
- Household Limit: None listed
(No Expiry Date Listed)
| BMO Smart Money Checking ($300 cash bonus) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | Fifth Third Bank Preferred Checking ($300 bonus) |
| HSBC Premier Checking (Up to $2,500 Cash Bonus), | |
How To Earn Bonus
- USE Credit Union is offering a $300 checking bonus when you use the promo code NewMover.
- $50 for opening a new checking account
- $50 for setting up direct deposit within 90 days of account opening
- $100 for keeping account open six months
- $100 for keeping your account open one year
- Must be 18 years of age
- Member must use code NewMover at account opening to receive this offer.
- Bonus payments subject to tax
- Must be a new USE Credit Union member and meet membership eligibility and account opening criteria
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
- NCUA Insured
USE Credit Union $100 Referral Bonus
Earn a $100 bonus for referring new members to the USE Credit Union.
- What you’ll get: $100 bonus
- Account Type: Free Checking Account
- Availability: CA
(No Expiry Date Listed)
| BMO Smart Money Checking ($300 cash bonus) | BMO Smart Advantage Checking ($300 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| Fifth Third Bank Momentum® Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | Truist Checking ($400 bonus) |
How To Earn Bonus
- Use the easy online form to tell your friends about USE Credit Union.
- Your friend joins and opens a Free Checking Account with E-Statements.
- Within 90 days of account opening, your friend sets up and receives at least $500 in monthly direct deposits.
- You and your friend each receive $100 in your USECU accounts.
- Referred members must be new members and meet membership eligibility and account opening criteria and, within 90 days of account opening, set up at least $500 in monthly direct deposits.
- The deposit account bonus ($100 each for you and a friend) will be credited to the respective USECU accounts no later than 30 days after the first direct deposit is received.
- Must be 18 years of age to participate.
- Bonus payments subject to tax.
(Expired) USE Credit Union $50 Checking Bonus *SDSU Students*
Earn a $50 Checking Bonus
Stay connected with Student Checking and get a $50 Bookstore Gift Card and 24/7 Digital Banking. Just open a USECU Free Student Checking with eStatements account.
- What you’ll get: $50 bonus
- Account Type: Free Student Checking Account
- Availability: CA
(No Expiry Date Listed)
| BMO Smart Money Checking ($300 cash bonus) | BMO Smart Advantage Checking ($300 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| Fifth Third Bank Momentum® Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | Truist Checking ($400 bonus) |
How To Earn Bonus
- Open a new USECU Free Student Checking
- Apply promo code SDSUTECH
- Connect eStatements
- Stay connected with Student Checking and get a $50 Bookstore Gift Card and 24/7 Digital Banking.
- Offer valid to new members only.
- Must meet membership and account criteria.
- Subject to tax liability.
How to Waive Monthly Fees
- Free Checking: $0 with eStatements
- Student Checking: $0 with eStatements
- Premier Checking: $15.00 monthly waived with $10,000 or more in combined deposit balances, you’re age 55 or older, or you have a USECU first mortgage.
- Advantage Savings: $5.00 monthly waived if minimum balance requirements are met or with at least $35 automatic transfer from USECU Checking
- Regular Savings: $5.00 monthly waived if minimum balance requirements are met
- Holiday Savings: No monthly fees
- Youth Savings: No monthly fees
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Bottom Line
The USE Credit Union promotions are great offers if you qualify for their membership eligibility as well as live within their footprint. However, personally, I would suggest other banks or credit unions as they offer better promotions. You can find a full list of Referral Bonuses here.
If you have experience with USE Credit Union, leave a comment below letting us know about your experience.
While they have generous bonuses, USE Credit Union doesn’t have great rates for CDs and Savings. You may want to check out our full list of Bank Rates and CD Rates.
*Compare USE Credit Union Promotions with other bank bonuses from banks like Huntington, HSBC, Chase, TD, Bank of America, Citi, and more!*
*Finally, check back at this page for updated USE Credit Union promotions, bonuses, and offers.
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