Senate Cents: A Financial Wellness Blog

New, Certified Pre-Owned or Used Car?

Published: June 22, 2021

Buying a car may seem like an exercise in decision making. "Should I get a coupe or a crossover? An EV or hybrid? Magnetic Gray or Firecracker Red? Do I need heated seats? Oh, I definitely need heated seats." Well one of the first - and possibly most important -decisions you'll have to make is whether you should buy new, or used. The factors to consider may seem overwhelming, but it really just comes down to your own personal priorities and preferences.

USSFCU's Smart Rewards Program FAQ

Published: June 16, 2021

Are you a USSFCU Smart Reward Visa Credit Card holder? Thought about becoming one? Curious about the points you may have earned with your USSFCU Debit Card when you completed a transaction as credit at checkout? No matter your Smart Reward Program status, we have gathered the most frequently asked questions and answered them all for you. Below you will find answers to basic account questions such as logging in and checking points, to how to redeem points for Travel, Merchandise, Gift Cards and more!

Appealing Your Award Letter

Published: June 8, 2021

Given the current state of the economy, there's a good chance your family's financial situation has changed since you completed your FAFSA. With award letters from colleges already in your hands, how do you request additional financial aid to cover your college costs? Our partners at Edmit have outlined the steps you can take to file a financial aid appeal - below are some of the highlights.

Understanding Dormant and Escheatment Accounts

Published: May 24, 2021

At USSFCU, we understand that accounts may go unused for many different reasons. You may have moved, simply forgotten you have an account with us, or maybe a family member had opened an account for you and you had no idea. While we hope you continue to use our services, we want you to be aware of how your USSFCU account can go dormant.

What Car Buying Fees Should You Pay?

Published: May 11, 2021

Your new car is gassed, washed and waiting outside as you review the contract. One small problem: The dealership has slipped in some extra fees and you don't know whether to challenge them or not.

9 Money Numbers You Need to Know

Published: April 20, 2021

Your doctor needs to know certain numbers to judge your physical health, such as your weight, your blood pressure and your cholesterol levels. Similarly, you need to know certain numbers to monitor your own financial health, including:

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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