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A credit union is a cooperative organization owned entirely by its members and operated for the benefit of all who belong.

It is different from a bank because it’s a not-for-profit organization. That means the profits are returned to customers, known as members, in the form of higher savings rates, lower loan rates, and low or no fees. 

When you choose USSFCU as your financial institution, you are not just a customer to us — you are a valued member and owner. We are committed to providing you with a safe and convenient place to do all your financial activities and an easier, more economical way to borrow.

Are You Eligible for Membership?

With over 140 employment groups that qualify for eligibility, joining USSFCU has never been easier. You can learn more about eligibility and how to join by scrolling down to the "Who is eligible to join?" and "How do I join?" drop-down menus below. 

To start the process of joining USSFCU, simply click the button below. To get more info please contact our Member Service Center at 800.374.2758 or visit a branch.

With over 140 employment groups that qualify for eligibility, joining USSFCU has never been easier. Additionally, if you are currently a member or if you join the VACC (American Consumer Council, Virginia Chapter) or U.S. Capitol Historical Society (USCHS) you become eligible for USSFCU membership. Below are more details on the ways you may be or how to become eligible.

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, stepsibling, 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 American Consumer Council, Virginia Chapter (VACC). 

Members of the VACC are automatically eligible to join USSFCU. The VACC is a non-profit organization dedicated to consumer education, advocacy and financial literacy. Joining the VACC is simple and for a limited time you can use Promo Code USSFCU to waive the $8.00 ACC Membership Fee.* Follow the instructions below to get started:

  1. Go to
  2. Click the Join Now button
  3. Fill out the short application—Use Promo Code USSFCU to waive the $8.00 membership fee
  4. Click Proceed to the Next Step to complete the application process

You will receive an email containing your VACC Membership Number and Certificate (retain for your records). This information will automatically be sent to USSFCU. You may then proceed to apply for USSFCU membership.

For more information or to join the VACC, visit

4. 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.

Click here to view the membership levels and instructions on how to join USCHS. 

For more information about USCHS, visit

Once you have confirmed your eligibility, click here to apply online.

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

Click here to apply online. 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.

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.

*Limited time offer.