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Prepaids Vs. Closing Costs: What's the Difference?

Prepaids Vs. Closing Costs: What's the Difference?

FOUND IN SENATE CENTS

Published: May 30, 2025

Buying a home comes with many moving parts and even more unfamiliar terms. One of the most confusing? The difference between "closing costs" and "prepaids." While both are paid at settlement, they serve different purposes and are handled differently. Here's what to know.

Dorothy Hamm Middle School, Financial Education & Marketing Presentations

Dorothy Hamm Middle School, Financial Education & Marketing Presentations

FOUND IN USSFCU CORNER

Published: June 3, 2025

USSFCU spoke with students at Dorothy Hamm Middle School (Arlington, VA) on the importance of financial literacy and marketing awareness.

Making the Leap: Turning Your Side Hustle into a Full-Time Business

Making the Leap: Turning Your Side Hustle into a Full-Time Business

FOUND IN SMALL BUSINESS CORNER

Published: March 12, 2025

If your side hustle is bringing in steady income, taking up more of your time, and showing strong growth potential, it may be time to consider making it your full-time business. Transitioning from part-time entrepreneur to full-time business owner requires financial planning, a solid strategy, and the right mindset.

Secure Your Transaction: Spotting and Stopping Wire Fraud

Secure Your Transaction: Spotting and Stopping Wire Fraud

FOUND IN SECURITY CORNER

Published: June 3, 2025

Wire fraud continues to be one of the fastest-growing threats in real estate, especially during closing, when large down payments are on the line. Cybercriminals are impersonating trusted professionals and intercepting emails to send fake wire instructions, often resulting in devastating financial loss. If you're planning to buy a home or wire money for a major transaction, follow these important steps to protect yourself.

USSFCU Recognized Nationally Again as a 2025 USA Today Top Workplace

USSFCU Recognized Nationally Again as a 2025 USA Today Top Workplace

FOUND IN PRESS RELEASES

Published: June 10, 2025

USSFCU is proud to announce that it has once again been named a 2025 USA Today Top Workplace, a national recognition that celebrates organizations with exceptional workplace cultures.

Understanding 529 Plans: A Smarter Way to Save for Education

Understanding 529 Plans: A Smarter Way to Save for Education

FOUND IN ADVISORS' CORNER

Published: May 23, 2025

Saving for college may feel overwhelming, but using a 529 plan can make the process more doable. That's because 529 plans aren't simply a savings account. Officially called qualified tuition plans, 529 college savings plans offer tax breaks, flexibility, and more for those investing in the future.

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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