United States Senate Credit Union

United States Senate Credit Union Locations

2750 Eisenhower Ave
Alexandria, VA 22314
1-800-374-2758
www.ussfcu.org

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United States Senate Credit Union is headquartered in Alexandria and is the 14^st largest credit union in the state of Virginia. It is also the 367^th largest credit union in the nation. It was established in 1935 and as of December of 2012, it had grown to 85 employees and 32,447 members. United States Senate Credit Union has a 5-star health rating.

US Senate FCU Big-Breast Mailing Sparks Petition (Forum) - 6/1/2012

The US Senate FCU made national news yesterday after it sent out a controversial mailer to its members. The mailer invited members to get a loan for breast augmentation. One member was so angered that she started an online petition. The credit union quick

Top Long-Term CD Rates at US Senate Federal Credit Union - Easy Membership - 9/26/2011

We had started listing United States Senate Federal Credit Union CD rates in our rate tables a few weeks ago. From the credit union's website, it appeared that membership was limited to select employe ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

United States Senate Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.03%	$2k	-	Gold Source Checking Share Account

United States Senate Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	Roth IRA Saving Account
0.10%	-	-	Traditional IRA Saving Account
0.10%	-	-	SEP IRA Saving Account
0.06%	-	-	Primary Saving Share Account
0.06%	-	-	Youth Saving Share Account
0.06%	-	-	Holiday Club Saving Share Account

United States Senate Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.15%	$100k	-	Senate Money Market Share Account

United States Senate Credit Union CD Rates

Apy	Min	Max	Product
1.41%	$60k	$100k	60 Month Smart CD
1.41%	$100k	-	60 Month Jumbo CD
1.11%	$60k	$100k	48 Month Smart CD
1.11%	$100k	-	48 Month Jumbo CD
0.80%	$60k	$100k	36 Month Smart CD
0.80%	$100k	-	36 Month Jumbo CD
0.48%	$60k	$100k	24 Month Smart CD
0.48%	$100k	-	24 Month Jumbo CD
0.28%	$60k	$100k	12 Month Smart CD
0.28%	$100k	-	12 Month Jumbo CD
0.15%	$60k	$100k	6 Month Smart CD
0.15%	$100k	-	6 Month Jumbo CD
0.10%	$60k	$100k	3 Month Smart CD
0.10%	$100k	-	3 Month Jumbo CD

United States Senate Credit Union IRA Rates

Apy	Min	Max	Product
1.41%	$60k	$100k	60 Month IRA
1.41%	$100k	-	60 Month Jumbo IRA
1.41%	$60k	$100k	60 Month Roth IRA
1.41%	$100k	-	60 Month Jumbo Roth IRA
1.41%	$60k	$100k	60 Month SEP IRA
1.41%	$100k	-	60 Month Jumbo SEP IRA
1.11%	$60k	$100k	48 Month IRA
1.11%	$100k	-	48 Month Jumbo IRA
1.11%	$60k	$100k	48 Month Roth IRA
1.11%	$100k	-	48 Month Jumbo Roth IRA
1.11%	$60k	$100k	48 Month SEP IRA
1.11%	$100k	-	48 Month Jumbo SEP IRA
0.80%	$60k	$100k	36 Month IRA
0.80%	$100k	-	36 Month Jumbo IRA
0.80%	$60k	$100k	36 Month Roth IRA
0.80%	$100k	-	36 Month Jumbo Roth IRA
0.80%	$60k	$100k	36 Month SEP IRA
0.80%	$100k	-	36 Month Jumbo SEP IRA
0.48%	$60k	$100k	24 Month IRA
0.48%	$100k	-	24 Month Jumbo IRA
0.48%	$60k	$100k	24 Month Roth IRA
0.48%	$100k	-	24 Month Jumbo Roth IRA
0.48%	$60k	$100k	24 Month SEP IRA
0.48%	$100k	-	24 Month Jumbo SEP IRA
0.28%	$60k	$100k	12 Month IRA
0.28%	$100k	-	12 Month Jumbo IRA
0.28%	$60k	$100k	12 Month Roth IRA
0.28%	$100k	-	12 Month Jumbo Roth IRA
0.28%	$60k	$100k	12 Month SEP IRA
0.28%	$100k	-	12 Month Jumbo SEP IRA
0.15%	$60k	$100k	6 Month IRA
0.15%	$100k	-	6 Month Jumbo IRA
0.15%	$60k	$100k	6 Month Roth IRA
0.15%	$100k	-	6 Month Jumbo Roth IRA
0.15%	$60k	$100k	6 Month SEP IRA
0.15%	$100k	-	6 Month Jumbo SEP IRA
0.10%	$60k	$100k	3 Month IRA
0.10%	$100k	-	3 Month Jumbo IRA
0.10%	$60k	$100k	3 Month Roth IRA
0.10%	$100k	-	3 Month Jumbo Roth IRA
0.10%	$60k	$100k	3 Month SEP IRA
0.10%	$100k	-	3 Month Jumbo SEP IRA

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

UNITED STATES SENATE
NCUA #	624
BankRate Report	View
Year Chartered	1935
Employees	85
Primary Regulator
Assets and Liabilities
Assets	$577.88 million
Loans	$230.03 million
Deposits	$518.69 million
Equity Capital	$55.12 million
Loan Loss Allowance	$2.62 million
Unbacked Noncurrent Loans	$1.23 million
Historic Data - December 2011
Assets	$543.90 million
Equity Capital	$52.89 million
Loan Loss Allowance	$2.40 million
Unbacked Noncurrent Loans	$1.12 million
Real Estate Owned	$635,000
Profit Margin - Quarterly
Net Interest Margin	5.37%
Return on Assets	0.29%
Return on Equity	3.08%
Interest Income	$15.77 million
Non-Interest Income	$5.73 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 United States Senate Credit Union had $1.23 million in non-current loans and owned real-estate with $57.74 million in equity and loan loss allowances on hand to cover it. This gives United States Senate Credit Union a Texas Ratio of 2.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for United States Senate Credit Union decreased slightly from 3.17% as of December 31, 2011 to 2.12% as of December 31, 2012, resulting in a positive change of 32.99%.This indicates that the balance sheet and financial strength for United States Senate Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, United States Senate Credit Union has increased its total deposits by $30.99 million, resulting in 6.35% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United States Senate Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United States Senate Credit Union has $577.88 million in assets with $57.74 million in equity, resulting in a capitalization level of 9.99%, which is average.