Senate Cents: A Financial Wellness Blog

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

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.

Understanding GAP Coverage: What It Is, Who Needs It, and Why It Matters

Published: May 15, 2025

GAP coverage protects you from paying out of pocket if your car is totaled or stolen and you owe more than it's worth. Learn who needs it, when to skip it, and how USSFCU's GAP Plus offer can save you money.

The Best Credit Card You've Never Heard Of

Published: May 1, 2025

When people talk about credit cards, you usually hear about the "big names" - flashy commercials, luxury perks, and huge promises. But behind all that noise, there's a hidden gem that delivers real, everyday value without hidden fees or frustrating hoops to jump through.

5 Smart Ways to Use a HELOC: Flexible Financing for Real-Life Needs

Published: April 23, 2025

If you've built up equity in your home, a Home Equity Line of Credit (HELOC) can help you make the most of it, without draining your savings or relying on high-interest credit cards. Whether you're planning a big project or want peace of mind for life's surprises, a HELOC offers flexible access to funds when you need them most.

Raising Money-Smart Kids: Age-by-Age Financial Lessons

Published: April 9, 2025

April is Credit Union Youth Month, and there's no better time to focus on helping your child learn smart money habits that will last a lifetime. Here's a breakdown of age-appropriate money lessons to help you raise money-smart kids from preschool through high school.

From FAFSA to Loans: The Top 4 Ways to Pay for College

Published: March 28, 2025

Let's face it - no one is accepted to college and thinks, "I can't wait to pay my tuition bill!" College is a significant investment, which is why it's crucial to explore your options, plan ahead, and make informed decisions when funding your education.

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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