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Coronavirus (COVID-19) Update


Updated | 2:00 pm ET • 5/22/2020

Due to the ever-changing nature in response to the coronavirus; hold, response and application processing times may be longer than usual.

We appreciate your patience.

The United States Senate Federal Credit Union is committed to safeguarding the health of our employees, members and volunteers. As we monitor the spread of COVID-19 and associated responses, we want to keep you apprised of our actions and policies to stay safe.  We will continue to assess the situation and ensure you are informed of any decisions to close or alter the operations at the Credit Union.


How We Are Taking Action

We are keeping a close watch on any communications from the Centers for Disease Control (CDC), and taking precautions to minimize COVID-19 exposure to employees and members.

We are taking extra precautions by cleaning our facilities to better protect our employees and members. Our employees are also being prompted to follow CDC guidelines to wash or sanitize their hands and maintain social distancing whenever possible.

Remote Work

While we are open for regular business hours, most of our staff will be working remotely to support our members while ensuring the well-being of our employees.  Having limited staff available and a change in business operations could result in longer waiting and processing times.

Pandemic Policy

USSFCU has incorporated a pandemic plan to support alternative response going forward. This includes processes and procedures to manage the critical and essential business functions, with considerations for member-facing business requirements in all USSFCU departments including but not limited to the following:

  • Call center operations.
  • Lending and business services operations.
  • Accounting, finance and collections operations.
  • Support services, card services, and e-services operations.
  • Risk management and human resources.
  • Information technology.
  • Marketing and media relations.

Branch and Call Center Status

  • Branches - CLOSED - All USSFCU branches are currently still closed until further notice as a precaution for the COVID-19 (Coronavirus).
    • Eisenhower Branch Drive-Thru - Our drive-thru is open on Mondays, Wednesdays and Fridays from 10:00 am to 3:00 pm.
  • Call Center – OPEN and fully functional with limited staff.
    • Delayed Openings on Wednesdays - Due to organizational-wide training our Member Services Call Center will open at 10 am every Wednesday

CHECK DEPOSITS: It is recommended that any checks be deposited using Remote Deposit Anywhere (RDA), in which the daily limit was increased to $10,000, in the USSFCU Mobile App (Apple and Android).

CASH DEPOSITS: Use our interactive map to find Deposit-taking Surcharge-free ATMs and Shared Branches near you for cash deposits.

It is recommended to call the Shared Branch to make sure they are open. Shared Branches are a unique network cooperative of different credit union branches that allow our members to do simple transactions like deposits, withdrawals, account info, cashier's checks, etc. from your USSFCU account.

Account access is available 24/7 via:

Online Banking –    |   Mobile App   |   TeleAction (202.228.1156)

Expected Delays

  • Limited Staff/Remote Work - While we are open for regular business hours, most of our staff will be working remotely. Additionally, not all staff will be able to work remotely during this time. Having limited staff available and a change in business operation could result in longer wait and processing times.
  • Mortgage Loans - Due to the volume of correspondence and applications being submitted, processing times could be delayed for up to two weeks.
  • Mail - The mail system, in general, will be experiencing a slow down as mail delivery services work through their response to the coronavirus. This could cause delays in any documents or payments sent through the mail. Additionally, we will have limited staff on-site processing any mail received. We encourage any payments to be made online or over the phone with a Member Services Representative.

We Are Here to Help

  • Relief Loan - Low Fixed Rate, Up to $5,000, No Payments for 90 days.
  • Signature Loan - We are offering a 90 Day No Pay Option on USSFCU Personal Loans.
  • Skip-a-Pay Fee Refund - Log into CUAnyhour+ Online Banking to take advantage of this service 
  • Financial Counseling - If you or a loved one has been financially impacted by the COVID-19 virus, our partners at GreenPath Financial Wellness can help.
  • TrueCar Home Buying with Home Delivery - Handle all aspects of your vehicle purchase without ever needing to go into the dealership.
  • Loan Extension & Deferment – We are providing payment deferrals to qualified members with certain loan products for up to 90 days. If approved for a deferral, late fees will not be charged for the duration of the deferral period. Contact our Member Services Call Center for more information. Interest will continue to accrue during the deferment period.
  • Waiving Fees & Penalties – We are also waiving a number of other fees and penalties during this time. For more on the specific fees and penalties we are waiving, call our Member Services Call Center
  • Credit Reporting – We will not report negative information to the credit bureaus for modified or deferred loans during the forbearance or deferral period
  • Small Business Support - We are an approved lender with the Small Business Association (SBA) and accepting applications for the Paycheck Protection Program (PPP) from existing members with small businesses

For more information on how we can help, contact our Member Services Call Center

800.374.2758  |  Monday, Tuesday, Thursday, Friday, 8:30 am - 5:00 pm ET; Wednesday 10:00 am - 5:00 pm ET

Contact us anytime at [email protected]

FAQ - Frequently Asked Questions

Q: Will USSFCU still be operating during the Coronavirus (COVID-19) pandemic?

A: Our GAO and Hart branches are closed. Our Eisenhower Branch will be open Monday, Wednesday and Friday from 10 am to 3 pm. Our operations will be maintaining regular business hours, working remotely with limited staff, including our Member Services Call Center.

Q: Will the Credit Union be offering a special loan or product for assistance during this time?

A: Yes. We are offering our USSFCU Relief Loan, designed to give much-needed relief during this time.

Additionally, we are offering deferments and extensions on loans, flexibility on loan payments, waiving certain fees and penalties and a Skip-A-Pay Fee Refund during this time. We know that each member has unique circumstances and we are working one-on-one with members to find ways to help them through all of this.

Q: When will the branches reopen?

A: We are following the lead of the government and the CDC for their guidance in this matter. Additionally, because we have branches in Federal office buildings, we will be adhering to their directives in those cases.

Q: Where can I make cash deposits?

A: You can also make cash deposits using the ATM at our Eisenhower Branch. Our drive-thru will be open at our Eisenhower Branch in Alexandria on Mondays, Wednesdays and Fridays from 10:00 am to 3:00 pm.

Additionally, use our interactive map to find Deposit-taking Surcharge-free ATMs and Shared Branches near you.

It is recommended to call the Shared Branch to make sure they are open. Shared Branches are a unique network cooperative of different credit union branches that allow our members to do simple transactions like deposits, withdrawals, account info, cashier's checks, etc. from your USSFCU account.

Q: What are the deposit and withdrawal limits at ATMs?

A: Withdrawl limits are capped at $850 per day. There are no deposit limits, however, there is a limit to thirty bills per transaction.

Q: When will ATMs be reconciled for funds to be released to my account?

A: Deposits made through USSFCU ATMs are real-time. Deposits made at a cooperative network ATM will be posted next business day.

Q: If I mail in a check or paperwork, will there be anyone checking the mail since you are working remotely?

A: We will have limited staff that will be checking and processing mail. The mail stream, in general, is running slower, so there could significant delays in receiving mailed documents. It is recommended that any checks be deposited using Remote Deposit Anywhere (RDA), in which the daily limit was increased to $10,000, in the USSFCU Mobile App (Apple and Android). Please call our Member Services Call Center for alternative methods to send documentation.

Additionally, use our interactive map to find Deposit-taking Surcharge-free ATMs and Shared Branches near you.

It is recommended to call the Shared Branch to make sure they are open.

USSFCU Remote Banking Resources

Even though all of our branches are now closed, there are many ways to gain remote access to your USSFCU account:

Phone Access

  • To speak to a Member Services Representative please call 800.374.2758 or 202-224-2967
    • For Call Center hours and other information visit our Contact Us page
  • 24/7 access through Teleaction at 202.228.1156

Online Access

Partner Networks

Feel free to email us any time at [email protected] or [email protected]

COVID-19 Stimulus Payment Info

Be Prepared:

  • Do I qualify for the COVID-19 Stimulus Payment?

Eligible taxpayers who filed tax returns for either 2019 or 2018 will automatically receive payment of up to $1,200 for individuals or $2,400 for married couples and up to $500 for each qualifying child. Visit for more information on qualifications and instructions on what to do if you have not filed or are not required to file a tax return.

  • When should I expect to receive the COVID-19 Stimulus Payment?

According to the IRS on April 1, 2020, eligible taxpayers can expect the distribution of the COVID-19 Stimulus Payments to begin with in the next three (3) weeks.

  • How will I get it?

For eligible taxpayers who have filed a tax return for 2019 or 2018 and opted to receive their refund via direct deposit; they will receive their COVID-19 Stimulus Payment in the account indicated on the most recent tax return. Those who opted to have their tax refund check mailed to them will receive their COVID-19 Stimulus Payment via mail to the most recent address listed on their most recently filed tax return.

If you have changed addresses since filing your last tax return, please visit to update your information to avoid delay of receiving your payment.


USSFCU offers multiple ways for members who are receiving physical checks to easily make their deposits.

Mobile Banking with Mobile Deposit

Members can make check deposits from the comfort of their homes with our USSFCU Mobile Banking app. Access is free and secure for members who are enrolled in online banking and in Remote Deposit Anywhere (RDA). Getting started is easy! Just download the USSFCU Mobile Banking app, available for iPhone, iPad and Android.

How to Deposit Your Check Using the App?

  1. Open the USSFCU Mobile App and Log-in (Same login info as Online Banking)
  2. Tap on the “three bars” icon at the top left to open the menu options
  3. Select “Deposit” from the menu and it will take you to the “Rda” screen
  4. If you have never made an “Rda” deposit, you will see “No deposits found”
  5. Tap the (+) icon at the top right and this will open up the RDA platform
  6. Follow the steps below to capture and deposit your check:
    1. ENDORSE YOUR CHECK: First, endorse the back of your check with “FOR USSFCU MOBILE DEPOSIT ONLY”
    2. FRONT OF CHECK CAPTURE: Tap the camera icon for “Front of Check”, place your check on a dark background, take a picture of the front of the check you are depositing
    3. BACK OF CHECK CAPTURE: Tap the camera icon for “Back of Check”, make sure your check is properly endorsed, place your check on a dark background, take a picture of the back of the check you are depositing
    4. DEPOSIT TO: Select the account you would like to deposit your check into
    5. AMOUNT: Type in the amount being deposited
    6. INFORMATION: Type in any info you would like associated with the deposit
    7. RESET or SUBMIT: If you are satisfied with everything, select Submit. Only hit Reset if you want to reset ALL of your information.

USSFCU Eisenhower Branch Drive-Thru

Open on Mondays, Wednesdays and Fridays from 10:00 am to 1:00 pm.

USSFCU Eisenhower Deposit Accepting ATM

Can’t get to a USSFCU Branch or USSFCU owned ATM?

Surcharge-Free ATM and Shared Branches

Whether you are looking for an ATM that takes deposits or a Shared Branch to make your deposit, follow these simple steps:

  1. Use our Interactive Map
  2. Type in your zip code
  3. For Shared Branches select, National Shared Branches
  4. For ATMs, select Surcharge-free ATMs. This icon  indicates a deposit accepting Surcharge-free ATM.        

Want to have your COVID-19 Stimulus Payment directly deposited into your preferred account?

Not sure if you are set up for direct deposit with the IRS?
The U.S Department of the Treasury has developed a web-based portal for individuals to provide their banking information to the IRS online, so that qualifying taxpayers can receive payments immediately as opposed to checks in the mail.

Although, there has not been an official date as to when this portal will be up and running, here are a list of important items you may need to have on hand to submit your direct deposit information:

    • Name of your preferred Financial Institution
    • Financial Institution Routing Number
    • Your Preferred Account Number
    • Account type (Checking or Savings)
    • Your Physically Address
    • Social Security Number

Want more Economic Impact Payment Updates?
Visit the IRS's dedicated page with a variety of information related to the Economic Impact Payments.

Stay Updated

CARES Act Resources - IRA Update  |  PPP Loan

IRA Legislative Update

Many USSFCU members will find expanded retirement savings possibilities as a result of recently passed legislation. The Setting Every Community Up for Retirement Enhancement (SECURE) Act and the Coronavirus Aid, Relief and Economic Security (CARES) Act provisions offer greater opportunities to save for retirement and relaxed rules for the withdrawal of IRA funds.

For full details visit our IRA page

Guide to coronavirus mortgage relief options

If you’re among those financially impacted by the coronavirus pandemic, you might be concerned about how to pay your mortgage or rent. Federal and state governments have announced plans to help struggling homeowners during this time. Read this to get information on what to do now, and what your options are for mortgage and rental relief.

Learn More

The Paycheck Protection Program

The Paycheck Protection Program (PPP), a provision of the CARES Act, offers forgivable low-interest loans to small businesses facing uncertainty during the COVID-19 emergency, so they can retain workers, maintain payroll, and cover certain other existing overhead costs. 

U.S. Senate Federal Credit Union has coupled with the Small Business Administration (SBA) to offer the Paycheck Protection Program to existing USSFCU business members. If your business has been impacted by COVID-19 you may be eligible.

Learn More

Protect Yourself and Others

There is currently no vaccine to prevent Coronavirus (COVID-19).

The best way to prevent illness is to avoid being exposed to this virus.

The virus is thought to spread mainly from person-to-person.

  • Between people who are in close contact with one another (within about 6 feet).
  • Through respiratory droplets produced when an infected person coughs or sneezes.

These droplets can land in the mouths or noses of people who are nearby or possibly be inhaled into the lungs.

DO THE FIVE - Help stop coronavirus

  1. HANDS - Wash them often
  2. ELBOW - Cough into it
  3. FACE - Don't touch it
  4. SPACE - Keep safe distance
  5. HOME - Stay if you can

For additional steps to help protect yourself and others visit the CDC’s Official Website.

CDC Resource Pages

Other Resource Pages


Our Promise

Our leadership team is continually monitoring the situation and staying up to date on the latest developments as it relates to the Credit Union and our business operations moving forward. This is a fluid situation and as details continue to evolve we will keep you, our USSFCU family, up to date.

Members' Voice Testimonials

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

Very personable, solution based and takes in 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.

Read More testimonials.
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