United States Senate Federal Credit Union


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

United States Senate Federal Credit Union is headquartered in Alexandria and is the 13th largest credit union in the state of Virginia. It is also the 338th largest credit union in the nation. It was established in 1935 and as of June of 2020, it had grown to 115 employees and 41,467 members at 3 locations. United States Senate Federal Credit Union has 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

Very Good Customer Service

Posted by: |

I opened account online. Customer Service is really good and prompt. Best part is send a secure messages from their website.


Website is easy to use, you can setup lot of alerts. I hope they will have two factor authentication with text message.

Watch Out For Credit Card Fees

Posted by: |

I opened a new account with USSFCU and gave them my credit card to open it. When I received the charge on my credit card they also included a wire transfer fee of $15.00. Just send a check to open and not a credit card

United States Senate Federal Credit Union

Posted by: |

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.

Absolute Worst Fees Ever!

Posted by: |

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.

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Health

Health Grade Components

Overall
NCUA #624
Year Chartered1935
Employees115
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD4.12%
Annual Interest Income$22.2MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$1.09B$944.8MM
LoansQ2 2020vs Q2 2019$769.5MM$678.6MM
DepositsQ2 2020vs Q2 2019$985.4MM$842.2MM
Equity CapitalQ2 2020vs Q2 2019$102.8MM$96.4MM
Loan Loss AllowanceQ2 2020vs Q2 2019$9.0MM$11.3MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$3.1MM$10.0MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
Rates
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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
0.05%$5-Primary Saving Share Account
0.05%$5-Youth Saving Share Account
0.05%$5-Holiday Club Saving Share Account
0.05%$5-IRA Saving Account
0.05%--Business Savings

United States Senate Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$2k-Senate Money Market Share Account
0.05%$2k-Business Money Market

United States Senate Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2k-Gold Source Checking Share Account

United States Senate Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$1k-60 Month Share Certificate
0.65%$1k-Business 60 Month Share Certificate
0.60%$1k-48-59 Month Share Certificate
0.60%$1k-Business 48-59 Month Share Certificate
0.55%*$60k*-36-47 Month Share Certificate
OTHER TIERS: 0.50% $1k - $60k
0.55%$1k-Business 36-47 Month Share Certificate
0.55%$1k-60 Month Personal Bump Certificate
0.50%$1k-24-35 Month Share Certificate
0.50%$1k-Business 24-35 Month Share Certificate
0.50%$1k-48 Month Personal Bump Certificate
0.45%$1k-36 Month Personal Bump Certificate
0.40%$1k-12-23 Month Share Certificate
0.40%$1k-Business 12-23 Month Share Certificate
0.30%$1k-6-11 Month Share Certificate
0.30%$1k-Business 6-11 Month Share Certificate
0.20%$1k-3-5 Month Share Certificate
0.20%$1k-Business 3-5 Month Share Certificate

United States Senate Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$1k-60 Month IRA
0.60%$1k-48-59 Month IRA
0.55%$1k-36-47 Month IRA
0.50%$1k-24-35 Month IRA
0.40%$1k-12-23 Month IRA
0.30%$1k-6-11 Month IRA
0.20%$1k-3-5 Month IRA
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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