University & State Employees Credit Union, also known as USE Credit Union, is a financial institution that was established in 1936. It offers checking, savings and retirement accounts. The institution provides investment options in money market and offers travelers and gift checks and savings bonds, as well as overdraft protection services. USE Credit Union also offers automobile, boat, home equity and a variety of personal loans. It provides insurance coverage for accidents, homeowners and identity theft, as well as health, dental and long-term care. The institution offers online loan and savings calculators to estimate monthly payments. Additionally, USE Credit Union provides debit cards and online and telephone banking services. It maintains a network of branches and ATMs.