Advisors' Corner

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.

IRA Rollovers: When, Why, and How to Do It Right

Published: April 18, 2025

Changing jobs? Retiring? Or simply looking for more control over your retirement savings? An IRA rollover might be the right move, and understanding how it works can help you avoid costly mistakes. Whether you're moving funds from a 401(k) or consolidating old retirement accounts, here's what you need to know to roll over your retirement savings the smart way.

Retirement Savings at Any Age: It's Never Too Late (or Too Early!)

Published: March 4, 2025

Retirement savings is a lifelong journey, and it's never too early, or too late, to start. Whether you're just getting started or trying to catch up, there's a strategy that can work for you. Let's break it down by age and explore how you can build a secure financial future, no matter where you are in life.

Is an IRA Right for You? Five Factors to Consider

Published: February 11, 2025

IRAs are a great way to save for retirement while also offering potential tax benefits, either now or in the future. But is an IRA the right fit for your situation? Let's break it down.

Estate Planning: A Lasting Legacy of Love

Published: February 3, 2025

Valentine's Day is a celebration of love, a time to reflect on the people who matter most. While chocolates and flowers are wonderful expressions of affection, estate planning offers something far more enduring - the gift of financial security and peace of mind for your loved ones.

Start 2025 with a Strong Financial Game Plan

Published: December 11, 2024

Whether you're aiming to pay off debt, save for a major purchase, or secure your future with retirement planning, having a clear financial game plan is key to starting the year strong. But crafting a successful strategy often requires more than determination--it takes expertise and insight. That's where a financial advisor can make all the difference.

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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