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Start your lifelong membership with a $300 welcome bonus!

Open a Senate Checking Account, complete a few simple steps, and we’ll reward you with $300.

Use promo code: BONUS25.

Join Today

Terms apply. View full offer details

Your Credit Union for Life

Once you’re a member, you’re always a member.
Wherever life takes you, your USSFCU membership stays with you—providing lifelong access to trusted guidance, exclusive products, and personalized support every step of the way.

Apply online and start your lifelong journey with USSFCU today!

JOIN NOW

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Who Can Join?

USSFCU has served the Senate and Capitol Hill communities for over 85 years. Today, with 100+ paths to membership, nearly anyone can join and experience the USSFCU difference. Per internal policy, at this time USSFCU only offers services to U.S. Citizens and US Permanent Residents holding a non-conditional Green Card.

You are eligible to join if:

  • You work for or retired from one of our 100+ Select Employee Groups (SEGs)
  • You’re an immediate family or household member of a current USSFCU member
    (e.g., spouse, parent, child, sibling, grandparent, step-relative, or anyone living in the same household)

Or, you're a member of:

The U.S. Capitol Historical Society (USCHS)
Join as an individual or employee and become eligible automatically.
Join USCHS »

The American Consumer Council – Virginia Chapter (VACC)
Join from anywhere in the U.S.—we’ll even cover the membership fee.

How to Join VACC:

How Do I Join?

Joining USSFCU is easy—apply online, visit one of our branches, or call us at 800.374.2758 to get started.

To become a member, you’ll need to:

  • Open a Primary Savings Account with at least $5
  • Pay a one-time-only $1 membership fee
  • Verify your eligibility with supporting documentation

If you're joining through the American Consumer Council or US Capitol Historical Society, please complete that membership before submitting your USSFCU application.

See a full list of what you'll need below.

Please do not email sensitive information. You’ll be prompted to upload documents securely during your application.

Things You’ll Need to Apply

  • Valid photo ID (Driver's License, Passport, Military ID) - must be in pdf or jpg format

  • Proof of address if not listed on ID (utility bill, pay stub, etc.) - must be in pdf or jpg format

  • Paystub or membership document from a Select Employee Group

  • SSN or Taxpayer Identification Number

  • Account funding (Credit Card or Debit Card)
    • USING A CREDIT CARD TO FUND YOUR ACCOUNT  IS PROCESSED AS A CASH ADVANCE AND COULD RESULT IN A CASH ADVANCE FEE FROM YOUR CREDIT CARD PROVIDER FOR EACH TRANSACTION. WE RECOMMEND FUNDING YOUR ACCOUNT USING A DEBIT CARD TO AVOID THESE POTENTIAL FEES FROM YOUR CREDIT CARD PROVIDER.

Questions? Call 800.374.2758 or send us an email.

Please do not email sensitive documents—upload them securely during your application.

New Member Offer

We’re excited to welcome you to the USSFCU family—and we’ve got a special offer to help you get started. Earn a $300 bonus when you open a Senate Checking Account and meet the following requirements:

  1. Use Promo Code 'BONUS25'
    Enter this code during the membership application process.
  2. Open Your Senate Checking Account
    Establish a free checking account with a Visa® Debit Card.
  3. Make 20 Purchases
    Use your new debit card to make at least 20 purchases of $10 or more within your first six months.
  4. Set Up Direct Deposit
    Receive direct deposits totaling $500 or more each month for six consecutive months.

Once all steps are completed, we’ll deposit $300 directly into your account as a thank-you for becoming a member.

Apply now with promo code BONUS25

Must Use Promo Code: BONUS25. Additional terms and conditions may apply. View full offer details.

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Save on Closing Costs—Limited Time

Planning home improvements? As a USSFCU member, you can save up to $750 on closing costs with a Home Equity Loan or Line of Credit.

Learn more about this offer

New Member Bonus – Terms & Conditions:

Offer valid January 1 – December 31, 2025. Limit one bonus per member. Must Use Promo Code: BONUS25. 

To receive the $300 bonus, you must:

  • Open a Primary Savings Account with a minimum balance of $5 and pay a one-time $1 membership fee.
  • Open a free Senate Checking Account with a USSFCU Visa® Debit Card.
  • Make 20 debit card purchases of $10 or more within six months of membership. ATM withdrawals and transfers are not eligible.
  • Set up qualifying direct deposit of $500 or more per month for six consecutive months. Qualifying direct deposits include payroll, Social Security, or recurring government/retirement income using your USSFCU routing and account number. Transfers, teller deposits, or wires do not qualify.

To participate, members must apply for membership using Promo Code 'BONUS25'.

All requirements must be completed within six months of membership application. If eligible, the $300 bonus will be deposited into your USSFCU Primary Savings Account within 30–60 days of completing all requirements.

Offer is available to new members only and cannot be combined with other promotions. USSFCU employees, managers, and board members are not eligible. Taxes are the responsibility of the recipient. Terms of this promotion are subject to change and may be modified, suspended, or terminated at any time by USSFCU.

Begin your application online or call 800.374.2758.

For USSFCU membership you will need to open a Primary Savings Account with a minimum balance of $5.00 and pay the one-time-only membership fee of $1.00.  To complete your application for USSFCU membership you will need the following: Government-issued ID/Driver’s License/State ID or Passport with current address, and Social Security Number.

Primary Savings Account Annual Percentage Yield =.10% as of 05/01/2025. View savings rates at ussfcu.org/rates. Membership eligibility required. Eligibility does not guarantee membership. This credit union is federally insured by the National Credit Union Administration.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

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