Overview / Commentary
800-374-2758
2750 Eisenhower Ave
Alexandria, VA 22314

United States Senate Federal Credit Union is headquartered in Alexandria and is the 15th largest credit union in the state of Virginia. It is also the 398th largest credit union in the nation. It was established in 1935 and as of September of 2018, it had grown to 106 employees and 38,536 members at 3 locations. United States Senate Federal Credit Union's money market rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in United States Senate Federal Credit Union is open to anyone through a contribution to the US Capitol Historical Society (USCHS). Membership is also open to employees of The United States Senate, The United States Supreme Court, The Government Accountability Office, Democratic National Committee, and over 75 area Select Employer Groups.
See current membership details

Related Posts

United States Senate FCU Ups Rates On Top 60-Month CD - 10/3/2018

United States Senate FCU (easy membership) has raised rates again on its 60-month Share Certificate: 3.63% APY ($60k min), 3.57% APY ($20k min), and 3.51% APY ($1k min).

CD Rates Tweaked A Bit, Nothing Really Competitive Except 5 Year, And No One Should Do A 5 Year In This Environment - 10/2/2018

60 months $60,000 - $99,999 plus Jumbo 3.63% 60 months $20,000 - $59,999 3.57% 60 months less than $20,000 3.51% 48 - 60 months $60,000 - $99,999 plus Jumbo 3.08% 48 - 60 months $20,000 - $59,999 3.01% 48 - 60 months less than $20,000 2.95% 36 - 48 months $60,000 - $99,999 plus Jumbo 2.77% 36 - 48 months $20,000 - $59,999 2.71% 36 - 48 months less than $20,000 2.64% 24 - 36 months $60,000 - $99,999 plus Jumbo 2.49% 24 - 36 months $20,000 - $59,999 2.44% 24 - 36 months less than $20,000 2.39% 12 – 24 months $60,000 - $99,999 plus Jumbo 2.29% 12 – 24 months $20,000 - $59,999 2.23% 12 – 24 months less than $20,000 2.18%

United States Senate FCU - 5 Year CDs Increase By 10 Basis Points, Up To 3.63% APY - 10/1/2018

For regular and IRA: <$20k - 3.51% APY $20k to $59.99k - 3.57% APY $60k or more - 3.63% APY

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Reviews (6)

Love This CU

Posted by: ARG | Jul 15, 2018

I love the personal attention I get from this credit union. When you call in or stop by a branch, everyone is so friendly and willing to help you in every way they can. I have an auto loan with USSFCU and they helped me out every step of the way. They even walked me through setting up online banking and their mobile app. Now I have direct deposits into my checking and auto payments set up so I can simply set it and forget it. It is so convenient and has really simplified my life. I would recommend USSFCU to anyone.

Credit Union Helped Me

I started my first job in the United States Senate and my paycheck was deposited into the United States Senate Federal Credit Union. I had never had two nickels to rub together and the credit union helped me save money. The credit union had great advisors who helped me plan for retirement by starting an IRA so I could have many options for investing for the future. The credit union has branches both in D.C. and in the suburbs where I lived so I could get cash from the ATM.They also made it super easy for me to transfer money to my family. Mostly, I loved the advice since I was so inexperienced and I became friends with the staff. Having advice was crucial for me and getting advice from the credit union made me feel like I was protected. Later, I had bank accounts with other banks that were always trying to sell me services and products that I didn't want or need. The credit union was more honest and objective and so I felt like I was being looked after like an equal, not treated like a cow to milk like the ripoff banks.

United States Senate Federal Credit Union

Posted by: Fanizered | Sep 13, 2017

My mother worked for 25 years for the US Senate. Because of this, my entire family had accounts with the USSFCU (United States Senate Federal Credit Union). Honestly, I have not used that account much. I do maintain a small balance in the checking account to keep it active. I like the aspects of the account. No monthly fees, unlimited check writing, free atm/debit cards and no service charges. They also have great customer service. I have had a few minor issues with my checking account and direct deposit not working and they were extremely fast to fix the issue. The other good thing about the USSFCU is that there is no minimum deposit to open an account there. If you are eligible for an account, you can open one for free.

Delay In Joining USSFCU

Posted by: Anonymous | Sep 27, 2011

Just got off the phone with customer service. USSFCU seems like a good credit union, however, they will not guarantee the promotional CD rate until they confirm your membership with United States Capitol Historical Society, and that could take a week or more. The rate probably will change October 1, so you probably will not be able to get the September rate.

Absolute Worst Fees Ever!

Posted by: Warrantone | Nov 9, 2018

The only credit union ever to require a cash advance to open an account. Every other bank opened with a transfer from another bank. The USSFCU method cost me $20 in cash advance fees. Plus they charged a $2 non-recoverable fee to open an account. Worst part is that when the account was approved I never got any notice. Had to see this myself on the application site and then call them only to find they created an ID and password but never gave it to me. Customer service is horrible and I regret dealing with them.

So a month later I see USSFCU is still killing customers with their fees. I transferred $250,000 into my account there and USSFCU charged me $10 TO ACCEPT IT!!!! The initiating bank charged me nothing. $10 to accept a quarter of a million? The last straw was a charge of $28 because I set up an external transfer account and when that bank recovered their 48 cents of trial deposits, USSFCU charged me yet another fee! $28 to recover $.48? So I am now done with USSFCU. I told them not a penny more and believe me, their stupid policies cost them a lot of money, now going to their competition.

Worst CU Ever

This is the worst credit union I have ever dealt with. Their online banking portal does not reflect accurate information and they don't really care. All they will tell you is to refer to your statements. Well I have opted OUT of paper statements, so apparently I have to long on, pull up copies of paper statements and go by that, NOT what the home screen tells me. Horrible Credit Union. Save yourself a lot of headache and go someplace else.



Health
A+

Health Grade Components

Overall
NCUA #624
Year Chartered1935
Employees106
Primary Regulator
Profit Margin
Return on Assets - YTD1.47%
Return on Equity - YTD12.79%
Annual Interest Income$27.6MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$756.3MM$636.0MM
LoansQ3 2018vs Q3 2017$645.3MM$491.4MM
DepositsQ3 2018vs Q3 2017$664.9MM$553.1MM
Equity CapitalQ3 2018vs Q3 2017$85.5MM$76.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$8.9MM$4.8MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.4MM$716.00K
Real Estate OwnedQ3 2018vs Q3 2017$562.00K$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

CD Rates Tweaked A Bit, Nothing Really Competitive Except 5 Year, And No One Should Do A 5 Year In This Environment

leemd   |  
60 months $60,000 - $99,999 plus Jumbo 3.63%
60 months $20,000 - $59,999 3.57%
60 months less than $20,000 3.51%
48 - 60 months $60,000 - $99,999 plus Jumbo 3.08%
48 - 60 months $20,000 - $59,999 3.01%
48 - 60 months less than $20,000 2.95%
36 - 48 months $60,000 - $99,999 plus Jumbo 2.77%
36 - 48 months $20,000 - $59,999 2.71%
36 - 48 months less than $20,000 2.64%
24 - 36 months $60,000 - $99,999 plus Jumbo 2.49%
24 - 36 months $20,000 - $59,999 2.44%
24 - 36 months less than $20,000 2.39%
12 – 24 months $60,000 - $99,999 plus Jumbo 2.29%
12 – 24 months $20,000 - $59,999 2.23%
12 – 24 months less than $20,000 2.18%

United States Senate FCU - 5 Year CDs Increase By 10 Basis Points, Up To 3.63% APY

SYC   |  
For regular and IRA:

<$20k - 3.51% APY
$20k to $59.99k - 3.57% APY
$60k or more - 3.63% APY

Rates
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not United States Senate Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United States Senate Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.66%$5-IRA Saving Account
0.40%$5-Primary Saving Share Account
0.40%$5-Youth Saving Share Account
0.40%$5-Holiday Club Saving Share Account
0.30%--Business Savings

United States Senate Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.27%*$500k*-Senate Money Market Share Account
OTHER TIERS: 0.86% $2k - $10k | 0.91% $10k - $20k | 0.96% $20k - $40k | 1.02% $40k - $75k | 1.07% $75k - $100k | 1.12% $100k - $150k | 1.17% $150k - $250k | 1.22% $250k - $500k
1.01%*$500k*-Business Money Market
OTHER TIERS: 0.66% $2k - $10k | 0.71% $10k - $20k | 0.76% $20k - $40k | 0.81% $40k - $75k | 0.86% $75k - $100k | 0.91% $100k - $150k | 0.94% $150k - $250k | 0.97% $250k - $500k

United States Senate Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$2k-Gold Source Checking Share Account

United States Senate Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.63%*$60k*-60 Month Share Certificate
OTHER TIERS: 3.51% $1k - $20k | 3.57% $20k - $60k
3.63%*$60k*-Business 60 Month Share Certificate
OTHER TIERS: 3.51% $1k - $20k | 3.57% $20k - $60k
3.43%*$60k*-60 Month Personal Bump Certificate
OTHER TIERS: 3.30% $1k - $20k | 3.37% $20k - $60k
3.08%*$60k*-48-59 Month Share Certificate
OTHER TIERS: 2.95% $1k - $20k | 3.01% $20k - $60k
3.08%*$60k*-Business 48-59 Month Share Certificate
OTHER TIERS: 2.95% $1k - $20k | 3.01% $20k - $60k
2.92%*$60k*-48 Month Personal Bump Certificate
OTHER TIERS: 2.80% $1k - $20k | 2.86% $20k - $60k
2.77%*$60k*-36-47 Month Share Certificate
OTHER TIERS: 2.64% $1k - $20k | 2.71% $20k - $60k
2.77%*$60k*-Business 36-47 Month Share Certificate
OTHER TIERS: 2.64% $1k - $20k | 2.71% $20k - $60k
2.66%*$60k*-36 Month Personal Bump Certificate
OTHER TIERS: 2.54% $1k - $20k | 2.60% $20k - $60k
2.49%*$60k*-24-35 Month Share Certificate
OTHER TIERS: 2.39% $1k - $20k | 2.44% $20k - $60k
2.49%*$60k*-Business 24-35 Month Share Certificate
OTHER TIERS: 2.39% $1k - $20k | 2.44% $20k - $60k
2.29%*$60k*-12-23 Month Share Certificate
OTHER TIERS: 2.18% $1k - $20k | 2.23% $20k - $60k
2.29%*$60k*-Business 12-23 Month Share Certificate
OTHER TIERS: 2.18% $1k - $20k | 2.23% $20k - $60k
1.60%*$60k*-6-11 Month Share Certificate
OTHER TIERS: 1.52% $1k - $20k | 1.56% $20k - $60k
1.60%*$60k*-Business 6-11 Month Share Certificate
OTHER TIERS: 1.52% $1k - $20k | 1.56% $20k - $60k
1.16%*$60k*-3-5 Month Share Certificate
OTHER TIERS: 1.06% $1k - $20k | 1.11% $20k - $60k
1.16%*$60k*-Business 3-5 Month Share Certificate
OTHER TIERS: 1.06% $1k - $20k | 1.11% $20k - $60k

United States Senate Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.63%*$60k*-60 Month IRA
OTHER TIERS: 3.51% $1k - $20k | 3.57% $20k - $60k
3.08%*$60k*-48-59 Month IRA
OTHER TIERS: 2.95% $1k - $20k | 3.01% $20k - $60k
2.77%*$60k*-36-47 Month IRA
OTHER TIERS: 2.64% $1k - $20k | 2.71% $20k - $60k
2.49%*$60k*-24-35 Month IRA
OTHER TIERS: 2.39% $1k - $20k | 2.44% $20k - $60k
2.29%*$60k*-12-23 Month IRA
OTHER TIERS: 2.18% $1k - $20k | 2.23% $20k - $60k
1.60%*$60k*-6-11 Month IRA
OTHER TIERS: 1.52% $1k - $20k | 1.56% $20k - $60k
1.16%*$60k*-3-5 Month IRA
OTHER TIERS: 1.06% $1k - $20k | 1.11% $20k - $60k
Locations


United States Senate Federal Credit Union Locations
Branch Office441 G St NW Rm 1100Washington, DC 20548-0001
Branch OfficeSenate Hart Building Rm # SH-118Washington, DC 20510-0001
Branch Office2111 Eisenhower AveAlexandria, VA 22314

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