United States Senate Fed Credit Union 36-Month CD Is A Rate Leader


Deal Summary: 36-month Share Certificate, 5.34% APY ($200k), 5.28% APY ($100k), 5.23% APY ($1k).

Availability: Easy membership requirement

The new month has brought new rates for 36-month Share Certificate offered by Virginia-based United States Senate Federal Credit Union (USSFCU). USSFCU Share Certificates have tiered APYs based on minimum deposit levels of $1k, $100k, and $200k, with each rate tier separated by 5-6 bps. Following recent rate increases of 10-11 bps, the 36-month Share Certificate currently earns 5.34% APY ($200k), 5.28% APY ($100k), and 5.23% APY ($1k).

4.13*%$100k$200kUnited States Senate Federal Credit Union36 Month Share Certificate
OTHER TIERS: 4.08% $1k - $100k
4.13*%$100k$200kUnited States Senate Federal Credit Union36 Month IRA (Traditional, Roth, SEP)
OTHER TIERS: 4.08% $1k - $100k
Rates as of May 29, 2024.

The 36-month Share Certificate is also available as an IRA Share Certificate (Traditional, Roth, SEP), earning the same tiered APYs with the same minimum deposit levels.

As stated in the Fees and Charges page, the Early Withdrawal Penalty reads as follows:

180 days of dividends paid and accrued on the withdrawal for
terms of greater than 2 years and up to and including 3 years.


Headquartered in Alexandria, Virginia, United States Senate Federal Credit Union offers membership “via sponsorship or contribution.”

Easy Membership Requirement – Members of the United States Capitol Historical Society (minimum $65 contribution) are eligible to join USSFCU. Membership in the American Consumer Council, Virginia Chapter (VACC) was been added to the field of membership more than two years ago. Using the Promo Code “USSFCU” waives the $8 VACC Membership Fee. More details are available on USSFCU’s website.

NOTE: Joining either organization must be done prior to completing the USSFCU application.

Employment Sponsorship - Current employees and retirees of more than 140 SEGs, including The United States Senate, The United States Supreme Court, The Government Accountability Office, Democratic National Committee, qualify for membership.

Family Sponsorship - Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild) of an existing USSFCU member or current employee of an SEG are eligible to join, as are household members of the same.

Account Opening

Joining USSFCU can be done online or at either of two District of Columbia branches or the Bowman branch at Braddock Station in Alexandria, Virginia. The lobby of Eisenhower branch in Alexandria is permanently closed but the drive-thru remains open. The two DC branches (Hart Senate Office Building and US General Accounting Office) both have restricted access, with “accepted ID” required for admittance.

A secure application can also be requested by calling 800.374.2758 or sending an email to [email protected].

Opening a Primary Savings account with a minimum $5 deposit and paying the one-time membership $1 fee establishes a new USSFCU membership.

Funds must be on deposit in a USSFCU Primary Savings Account before a Share Certificate can be opened. There is no online opening: a Share Certificate must be opened in-branch, by phone, or by using the USSFCU online banking platform.

Funding and Other Details

The following information is from the USSFCU website and a conversation with CSR.

  • Funding – ACH, wire, or Shared Branch transaction.
  • Ownership – Individual, joint, or trust.
  • CO-OP Shared Branch Participant – Yes.
  • Dividends – Compounded/credited monthly; can be transferred to a Primary Savings Account.
  • Maturing Funds – Distributed by check to address on file, wire ($25 fee), or internal transfer to Primary Savings Account.
  • Grace Period – 10 calendars days.
  • Beneficiaries – Unlimited, percentages can be assigned, Social Security numbers “appreciated, but not required.”
  • Credit Check – Hard pull when applying for membership.

Credit Union Overview

United States Senate Federal Credit Union has an overall health grade of "B+" at DepositAccounts.com, with a Texas Ratio of 4.55% (excellent), based on March 31, 2023 data. In the past year, USSFCU increased its total non-brokered deposits by $49.64 million, an excellent annual growth rate of 4.49%. Please refer to our financial overview of United States Senate Federal Credit Union (NCUA Charter # 624) for more details.

In 1935, seven individuals pooled their resources and obtained a charter for the United States Senate Employees Federal Credit Union. The original FOM was exclusive to U.S. Senate employees, but was expanded through mergers with the General Accountability Office Federal Credit Union, the DC Unemployment Federal Credit Union, and the American Trucking Association Federal Credit Union. The United States Senate Federal Credit Union rebrand occurred in 1990 in an effort to reflect the changing membership. USSFCU is currently the 13th largest credit union in Virginia, with nearly 54,000 members and assets in excess of $1.2 billion.

How the 36-Month Share Certificate Compares

When compared to similar length-of-term CDs tracked by DepositAccounts.com that are available nationwide, no banks or credit unions currently have higher rates than offered on the USSFCU 36-Month Share Certificate, regardless of minimum deposit requirements. The following table compares the 36-Month Share Certificate to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

The above information and rates are accurate as of 9/4/2023.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table.

Related Pages: Washington CD rates, 5-year CD rates, IRA CD rates, nationwide deals

Previous Comments
  |     |   Comment #1
They also have a $200 bonus on CDs 24 months and longer with 5k minimum till 9/30/23. Use Promo Code "SUMMEROFSAVING".
  |     |   Comment #2
These are nice rates for the length of the CD. Surprisingly, US Senate FCU only has a "C+" rating with Weiss Ratings and the customer ratings, both on this website and other websites are relatively poor (2.7/5 on WalletHub, 2.5/5 on this website (DA), and 2/5 on Yelp.
  |     |   Comment #3
Tried signing up a while ago, and never heard back
  |     |   Comment #4
Possibly ChexSystems. I would love to gain membership in USSFCU. But with my lowly ChexSystems score . . . well . . . . all I can do is dream on. :-(

USSFCU has raised ChexSystems abuse to an artform.
  |     |   Comment #5
Sometimes no news is good news!
  |     |   Comment #10
My experience was I was rejected for "too many applications" at other institutions. So if you are a good saver and shop for rates at various institutions presented on this site, your money is no good to them.
  |     |   Comment #11
Did you call them? I have many accounts at different institutions and did not have any problems opening a Cd with them.
  |     |   Comment #12
How did you fund your CD? I have been accepted as a member, but cannot get a clear answer to funding procedure.
  |     |   Comment #13
I deposited the funds at a co-op shared branch and then called them to open the CD, you can also send them a message thru secure mail.
  |     |   Comment #14
Did you also get the $200 bonus that is mentioned above?
  |     |   Comment #6
Maybe will be a separate write-up, but for whatever reason Ken fails to indicate USSFCU has upped their 60 month rates also, and is now offering 4.97% APY on 200K, 4.92% on 100K, and 4.86% on below 100K, - if not leading rates for a 5 year term then very close.
  |     |   Comment #8
Have kept this account opened after I did good CD deal with them over 10 years ago. 5.34% looks pretty good to me, especially if I can get a $200 bonus. Have tried calling but havent been able to reach anyone. I'm trying to find out if you can open a CD online? Only thing I see is to open a new member share account?
  |     |   Comment #9
scottj USSFCU will not let you open a CD online. You have to either open it up on the phone with a CSR or through the private messaging system.
  |     |   Comment #15
  |     |   Comment #16
what credit report agency?
  |     |   Comment #17
I appreciate all the comment about USSFCU and I actually opened a new relationship and a 47 mo 5.28% yield cd. The process and outcome was as expected given all the comments I read here about USSFCU and it was relatively painless and quite successful. I was very happy with the customer service and all my interactions. I found everyone to be quite professional.

I used a db card ACH funding to avoid cash advance fees as someone on this website pointed out. I used an instant free VACC membership and once opened I used a shared branch deposits to fund CD and it was opened same day as shared branch deposit.
All went well. Their customer service over the phone and via application secured messaging was good too. End to end entire process took 4 business days from initial application to CD funding. And because of all the great watch out comments here I successfully navigated any misunderstandings and the path to membership and funding

For me it was worth it for the term rate combination.
  |     |   Comment #18
It has taken me almost 3 weeks to open an account and even though I was approved, I have not be able to sign the documents online. Not being able to speak to a someone other then their listed number which is absolutely no help, has made it especially difficult and I am ready to give up on it. Very disappointed that they have such poor communication with potential clients. These experience makes me reconsider my hope for completion of my efforts.
United States Senate Fed Credit Union Long-Term CDs Are Rate-Leaders
Deal Summary: Share Certificates – 24-month 5.28% APY ($200k), 5.23% APY ($100k), 5.18% APY ($1k); 36-month 5.23% APY ($200k), 5.18% APY ($100k), 5.13% APY ($1k).

Availability: Easy membership requirement

Virginia-based United States Senate Federal Credit Union (USSFCU) has substantially increased the rates on its 24-month and 36-month Share Certificates. USSFCU Share Certificates have tiered APYs based on minimum deposit levels of $1k, $100k, and $200k, with each rate tier separated by 5 bps. After increases of 31 bps and 52 bps, the 24-month and 36-month Share...

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US Senate Federal Credit Union Adds Rate-Leading 20-Month CD Special - EXPIRED
Update 11/23/2022: The 20-month Share Certificate Special has ended.

Deal Summary: 20-month Share Certificate Special, 4.60% APY, $1k minimum, new money.

Availability: Easy membership requirement

As DA reader, Rickny, noted in a recent Forum post, Virginia-based United States Senate Federal Credit Union (USSFCU) has a new 20-month Share Certificate Special and IRA Share Certificate Special (Traditional, Roth, SEP) earning an eye-catching 4.60% APY. CSR stressed that USSFCU may “end or modify the offer at any time, without notice.”

This limited-time offer can be opened with...

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United States Senate Fed Credit Union Has New Member Bonus Up To $200
Deal Summary: New Member Bonus, up to $200, available through 3/31/2022.

Availability: Easy membership requirement

Now through March 31, 2022, United States Senate Federal Credit Union (USSFCU) is offering a bonus up to $200 for new members. As stated on the New Members Bonus page, the $200 bonus is actually three separate bonuses:

All bonuses will be directly deposited into new member’s Primary Savings Account within 60 business days of membership application date.

Senate Checking Account

The Senate Checking account is a non-interest bearing account that has no minimum balance or...

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United States Senate FCU Nudges Up Rate On Top 60-Month CD
UPDATE 1/17/2019: rates lowered to 3.53% APY ($60k+), 3.47% APY ($20k+), 3.41% APY ($1k+).

Deal Summary: 60-month Share Certificate – 3.69% APY ($60k min), 3.62% APY ($20k min), 3.56% APY ($1k min)

Availability: Easy membership requirement

In the past twelve months, United States Senate Federal Credit Union (USSFCU) has added 114 bps to its 60-month Share Certificate top-tier APY in six rate changes. This week’s six bps increase bolsters the 60-month Share Certificate’s position as the rate leader for nationally available 5-year CDs. It’s nice to see...

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United States Senate FCU Ups Rates On Top 60-Month CD
Deal Summary: 60-month Share Certificate – 3.63% APY ($60k min), 3.57% APY ($20k min), 3.51% APY ($1k min)

Availability: Easy membership requirement

For the past year, United States Senate Federal Credit Union (USSFCU) has been steadily raising the rates on its 60-month Share Certificate. Ten bps were added to each of the tiered APYs this week, securing the 60-month Share Certificate’s position as the rate leader for nationally available 5-year CDs.

The 60-month Share Certificate is also available as an IRA (Traditional, Roth, SEP), earning the same...

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