Advisors' Corner

62, 67, or 70? When to Claim Social Security and How It Affects Your Benefits

Published: November 6, 2025

The age you claim Social Security can change your benefits for life. Learn how starting at 62, waiting until full retirement age, or delaying to 70 affects your monthly income and how to decide what's right for your retirement goals.

Letter of Instruction: The One Page Your Family Will Thank You For

Published: September 25, 2025

A simple, plain-English letter can guide your loved ones to your documents, accounts, key contacts, and wishes, easing stress when it matters most. This article explains what to include, where to keep it, and how to keep it current.

3 Signs a Roth Conversion Might Make Sense for You

Published: September 4, 2025

A Roth conversion could be a smart way to create tax-free income in retirement but it isn't right for everyone. Discover three signs a Roth conversion might make sense and explore helpful planning tools through Retirement Central to see how it could impact your financial future.

Retire with Confidence: Strategies to Minimize Hidden Risks

Published: July 2, 2025

Retirement comes with more than just lifestyle changes; it comes with hidden financial risks. From market swings to rising healthcare costs, explore practical strategies to reduce uncertainty and create a more stable, confident path to retirement.

Understanding Annuities: How They Work and When They Make Sense

Published: June 11, 2025

Annuities can provide a steady stream of income in retirement, but understanding how they work is key to making an informed decision. In this article, we break down the different types of annuities, key benefits and considerations, and how they fit into your overall financial plan.

Understanding 529 Plans: A Smarter Way to Save for Education

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.

This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change.

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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