United States Senate Federal Credit Union


Overview / Commentary
800-374-2758
1310 Braddock Pl
Alexandria, VA 22314

United States Senate Federal Credit Union is headquartered in Alexandria and is the 14th largest credit union in the state of Virginia. It is also the 367th largest credit union in the nation. It was established in 1935 and as of June of 2022, it had grown to 125 employees and 46,081 members at 4 locations. United States Senate Federal Credit Union's CD rates are 4X the national average, and it 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

Related Posts

US Senate Federal Credit Union Adds Rate-Leading 20-Month CD Special - EXPIRED - 10/22/2022

United States Senate Federal Credit Union (easy membership) has added a limited-time, rate-leading 20-month CD Special. $1k minimum deposit, new money required.

20 Month CD Paying 4.6% - 10/20/2022

Got an email USSFCG 20 month CD paying 4.6%. $1000 minimum. They claim that this is the highest rate in the nation which is not true (see Firdt Point post).. This exclusive offer is currently the highest rate in the nation for any certificates being offered at any term.+ +Based on certificate rates being offered and listed on DepositAccounts.com as of 10/20/2022

3.75% APY Special 36-Month Certificate - 10/11/2022

3.75% APY* - US Senate Federal Credit Union (ussfcu.org) 36-Month Share Certificate Special $1,000 minimum balance | New funds only | IRA & Business Certificates included Available nationwide to new and existing USSFCU members. The effective date for this promotional rate is 10/01/22. Membership eligibility through VACC: https://www.ussfcu.org/segs.html?cId=14779&title=american-consumer-council-virginia-chapter-vacc * APY = Annual Percentage Yield. Certificate rates are subject to change without notice. Early withdrawal penalties may reduce earnings. See Fee Schedule for more details at ussfcu.org/feeschedule. To qualify, certificates must be opened with “New Money.” “New Money” is defined as money not currently deposited with United States Senate Federal Credit Union within the last 12 months. Money withdr

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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.

Watch Out For Credit Card Fees

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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.

MEMBERSHIP LIMITED - READ FINE PRINT

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Read BEFORE Applying! -
Membership Restrictions:
Membership in United States Senate Federal Credit Union is open to anyone through a contribution to:
the US Capitol Historical Society (USCHS).
COST: $ 65 MINIMUM . . .just to be able to deposit YOUR money in their credit union - go figure!??

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.

WARNING: If you use an Apple computer (MacBook Pro, for instance) you WILL encounter problems uploading 2 ID - DRIVER'S LICENSE + UTILITY BILL or Passport or other Bank Statement. I had miserable experience and emailing one doc as pdf resulted in them saying "START A NEW APPLICATION".

Who needs this bureaucratic b.s.?
Timothy L. Anderson, the President, apparently isn't aware how screwed-up their application process is.
I tried multiple times uploading pdf files without success. Customer Service person said "I've spent all week trying to help people with this same problem".
Can I speak to your CTO-Chief Technology Officer or someone in that department?, I asked.
Her answer? "Just Google the solution", she said.
What should I Google, I asked.
"I don't know", she said.

VIEW MORE REVIEWS

Health

Health Grade Components

Overall
NCUA #624
Year Chartered1935
Employees125
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD3.81%
Annual Interest Income$21.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.19B$1.17B
LoansQ2 2022vs Q2 2021$964.5MM$745.7MM
DepositsQ2 2022vs Q2 2021$1.08B$1.05B
Equity CapitalQ2 2022vs Q2 2021$109.6MM$113.1MM
Loan Loss AllowanceQ2 2022vs Q2 2021$6.6MM$5.6MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$3.8MM$1.4MM
Real Estate OwnedQ2 2022vs Q2 2021$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
1.01%$5-IRA Savings Account
0.10%$5-Primary Savings Share
0.10%$5-Youth Savings Share
0.10%$5-Holiday Club Savings Share
0.05%--Business Savings

United States Senate Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%*$500k*-Senate Money Market Share
OTHER TIERS: 0.75% $2k - $10k | 0.80% $10k - $20k | 0.85% $20k - $40k | 0.90% $40k - $75k | 0.95% $75k - $100k | 1.01% $100k - $150k | 1.06% $150k - $250k | 1.11% $250k - $500k
1.15%*$500k*-Business Money Market
OTHER TIERS: 0.75% $2k - $10k | 0.80% $10k - $20k | 0.85% $20k - $40k | 0.90% $40k - $75k | 0.95% $75k - $100k | 1.00% $100k - $150k | 1.05% $150k - $250k | 1.10% $250k - $500k

United States Senate Federal Credit Union Checking Account Rates

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

United States Senate Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.92%*$200k*-60 Month Share Certificate
OTHER TIERS: 3.82% $1k - $100k | 3.87% $100k - $200k
3.92%*$200k*-Business 60 Month Share Certificate
OTHER TIERS: 3.82% $1k - $100k | 3.87% $100k - $200k
3.82%*$200k*-60 Month Personal Bump Certificate
OTHER TIERS: 3.72% $1k - $100k | 3.77% $100k - $200k
3.77%*$200k*-48-59 Month Share Certificate
OTHER TIERS: 3.67% $1k - $100k | 3.72% $100k - $200k
3.77%*$200k*-Business 48-59 Month Share Certificate
OTHER TIERS: 3.67% $1k - $100k | 3.72% $100k - $200k
3.67%*$200k*-36-47 Month Share Certificate
OTHER TIERS: 3.56% $1k - $100k | 3.61% $100k - $200k
3.67%*$200k*-Business 36-47 Month Share Certificate
OTHER TIERS: 3.56% $1k - $100k | 3.61% $100k - $200k
3.67%*$200k*-48 Month Personal Bump Certificate
OTHER TIERS: 3.56% $1k - $100k | 3.61% $100k - $200k
3.56%*$200k*-24-35 Month Share Certificate
OTHER TIERS: 3.46% $1k - $100k | 3.51% $100k - $200k
3.56%*$200k*-Business 24-35 Month Share Certificate
OTHER TIERS: 3.46% $1k - $100k | 3.51% $100k - $200k
3.56%*$200k*-36 Month Personal Bump Certificate
OTHER TIERS: 3.46% $1k - $100k | 3.51% $100k - $200k
3.41%*$200k*-12-23 Month Share Certificate
OTHER TIERS: 3.30% $1k - $100k | 3.35% $100k - $200k
3.41%*$200k*-Business 12-23 Month Share Certificate
OTHER TIERS: 3.30% $1k - $100k | 3.35% $100k - $200k
2.12%*$200k*-6-11 Month Share Certificate
OTHER TIERS: 2.02% $1k - $100k | 2.07% $100k - $200k
2.12%*$200k*-Business 6-11 Month Share Certificate
OTHER TIERS: 2.02% $1k - $100k | 2.07% $100k - $200k
1.36%*$200k*-3-5 Month Share Certificate
OTHER TIERS: 1.26% $1k - $100k | 1.31% $100k - $200k
1.36%*$200k*-Business 3-5 Month Share Certificate
OTHER TIERS: 1.26% $1k - $100k | 1.31% $100k - $200k

United States Senate Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.92%*$200k*-60 Month IRA
OTHER TIERS: 3.82% $1k - $100k | 3.87% $100k - $200k
3.77%*$200k*-48-59 Month IRA
OTHER TIERS: 3.67% $1k - $100k | 3.72% $100k - $200k
3.67%*$200k*-36-47 Month IRA
OTHER TIERS: 3.56% $1k - $100k | 3.61% $100k - $200k
3.56%*$200k*-24-35 Month IRA
OTHER TIERS: 3.46% $1k - $100k | 3.51% $100k - $200k
3.41%*$200k*-12-23 Month IRA
OTHER TIERS: 3.30% $1k - $100k | 3.35% $100k - $200k
2.12%*$200k*-6-11 Month IRA
OTHER TIERS: 2.02% $1k - $100k | 2.07% $100k - $200k
1.36%*$200k*-3-5 Month IRA
OTHER TIERS: 1.26% $1k - $100k | 1.31% $100k - $200k
Locations


United States Senate Federal Credit Union Locations
Corporate Office1310 Braddock PlAlexandria, VA 22314-1691
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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