Senate Cents: A Financial Wellness Blog

How Credit Card Interest Works (and How to Avoid It)

Published: April 23, 2026

Credit card interest can add up quickly if you carry a balance. Learn when interest is charged, how it is calculated, and what steps you can take to avoid it so you can use your card more confidently and keep more of your money.

Spring Starts Outside: 6 Outdoor Projects to Consider for Your Home

Published: April 16, 2026

Spring is the perfect time to refresh your outdoor space and your home equity can help make it happen. From landscaping to patios and essential repairs, explore smart ways to enhance your home this season.

New vs. Used: Which Is Better for Your Next Adventure?

Published: April 1, 2026

Thinking about buying a motorcycle, RV, boat, ATV, or other recreational vehicle? One of the first decisions you'll face is whether to buy new or used, and that choice impacts more than just the price tag.

Should You Use Your Home Equity or Preserve It?

Published: February 27, 2026

Should you use a home equity loan or HELOC for your next project or preserve your equity for later? Learn how to evaluate home improvement financing options based on your timeline, budget, and long-term financial goals before making a decision.

Your Credit Union for Life: A Financial Relationship Built to Last

Published: January 29, 2026

When it comes to your financial journey, having the right relationship matters. Learn how USSFCU is built around member-ownership, personalized service, and lifelong support, creating a financial home designed to grow with you through every stage of life.

When to Refinance Your Auto Loan and When to Wait

Published: January 8, 2026

Not sure whether to refinance your auto loan or wait it out? Learn what factors matter most and how to decide what makes sense for your financial situation.

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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