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Experience the USSFCU Difference.

USSFCU is a cooperative organization owned entirely by its members and operated for their benefit. Unlike most banks, the profits are returned to our members in the form of higher savings rates, lower loan rates and fewer fees. With USSFCU, you are a valued member and owner.

By becoming a member, you automatically become a part of an established, prestigious organization that has been serving the U.S. Senate Community and Federal Government for over 81 years. Our full-service organization is available to assist you with many financial needs you may have. Below are just a few of the many benefits our members currently enjoy:

START YOUR USSFCU APPLICATION TODAY!

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Who can join?

1. Employees of Select Employee Groups.

Additionally, whether or not the employees themselves become members, they may extend the membership to their immediate families and households.  

2. Individuals sponsored by a family or household member. 

A member in good standing or a current employee of a Select Employee Group may sponsor an immediate family member, as well as others in the same household. This includes:

  • Spouses
  • Immediate family (child, sibling, parent, grandparent, grandchild, stepparent, stepchild, step sibling, or adoptive relationship)
  • Household members (persons living in the same residence and maintaining a single economic unit)
  • Organizations of people in one of the above groups 

3. Members of the U.S. Capitol Historical Society (USCHS). 

As a member of the Society, either as an individual or as an employee, you are automatically eligible to join USSFCU. USCHS is a non-profit educational organization created in 1962 to promote the history of the Capitol and Congress. Become a USCHS member today by donating as little as $50.00 and apply to USSFCU at the same time. Current members of USCHS are also invited to participate in this member offering.

Read our USCHS Partnership brochure for instructions on how to join USCHS (PDF). 

For more information about USCHS, visit http://uschs.org/

How do I join?

It’s easy to join USSFCU and to start taking advantage of the benefits of membership.

Visit one of our convenient branches to apply in person. Or, or call 800.374.2758 to have a secure application sent to you.

When submitting your USSFCU application please have the following information ready; name, address, date of birth, and at least one valid form of identification (photo ID, passport, etc.).

You will also need to open a Primary Savings Account at that time with a minimum of $5 and pay the one-time-only membership fee of $1 to secure your membership with us

For those who choose to join the American Consumer Council or US Capitol Historical Society, you must join either organization prior to completing a USSFCU application. 

What are the benefits for students who join?

Membership at USSFCU at a young age entitles you to numerous benefits that you'll enjoy now and throughout your lifetime. Unlike other banks and credit unions, USSFCU offers a wealth of educational resources and services to get you started on the right financial path. 

You can access information about your accounts from anywhere, anytime with a network of ATMs, shared branches, online and mobile banking, and even make deposits remotely using your smartphone. Membership makes you eligible to take part in the USSFCU Student Lending program, which includes access to private student loans and consolidations, discounts and rewards, lower rates on borrowing, and higher rates on saving.

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Members' Voice Testimonials

I feel my money is safe, the service has always been top-notch and we've found it easy to use even though I probably haven't set foot in one of the branches in five years. Joining the credit union is one of the smartest things I've done.

USSFCU has been my first banking option for over 40 years - no fee atms - my grands are now members of the credit union and value their credit union membership also.

USSFCU staff continues to be the best and always has my best interest.

The USSFCU has been an important part of my financial situation and has provided outstanding service.

Every experience with USSFCU has been extremely good right from the start. Our main account with USSFCU is a HELOC with zero over prime rate, which is almost unheard of. The customer service has always been excellent. And when we asked for a temporary payment break to navigate and reorient professionally due to the sudden and temporary financial im...

I've always been treated very professionally and the person caring for my financial needs always listened to me and helped me in a way that was not stressful and beneficial to me.

USSFCU has never failed us in its' role of being the best bank ever. All the personnel are professional, friendly, efficient and have more than earned our trust, appreciation and admiration. We admire the way they are constantly evaluating, adapting and growing their services for the benefit of its' members. We are very grateful to have had this im...

Magnificent people, great help during the hard times.

I've been banking here for over 20 years it's the best customer service. Credit card interest rates don't gouge at USSFCU. It's a wonderful place to bank.

Very personable, solution based and takes an interest in your situation.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

The credit union provides relatively good services and the security updates to the system are noticeable.

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

This credit union is the best, I love the customer service and you can?t beat the interest rates. And I?m happy to be a member of this great credit union.

Great staff helping all the time. Just a very well run company always good service.

Always good service, especially when I telephone in. I have another credit union where, every time I call in, I have to wait a considerable amount of time before reaching a representative. When I worked on the Hill, it always was a pleasurable experience coming to the credit union office, whether to make a deposit or apply for a loan.

Customer service via the phone is very helpful and easy to accomplish requests.

Care about their clients and concerned about making sure they have the best rates and packages.

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