Senate Cents: A Financial Wellness Blog

How to Find an Old 401(k) and What to Do With It

Published: August 29, 2019

When you leave a company your money ends up in one of three places: where you left it, in a new account or with the state?s unclaimed property funds.

3 Sites to Help Aging Parents Organize Vital Details

Published: August 23, 2019

It's not enough to be organized and responsible. We need to think about who will be responsible next. Fortunately, there are several sites that can facilitate that transition for our aging parents- and also for ourselves.

Could You Be Saving More with a Share Certificate Ladder?

Published: August 12, 2019

Share Certificates (SC) typically offer higher interest rates than regular savings accounts in return for locking in your money for a set time period. The longer that maturity period is, the higher your earnings. However, if you put all your money in one long-term SC and interest rates rise before its maturity date arrives and you miss out on the chance to take advantage of those higher rates. In the case of an emergency, you won't be able to access that cash without withdrawing the entire amount and getting hit with penalties on your earnings.

Choose Your Credit Cards Wisely

Published: August 12, 2019

Many of us want to take advantage of flexibility in our spending plans by using credit cards, but it is important to choose the right credit card to fit your lifestyle. You may receive credit card offers in the mail, but that does not mean it is a good idea to apply for and begin using those cards. When shopping around for a new credit card, look out for the following to be sure you are making a smart decision:

How to Buy a New Car

Published: August 12, 2019

Buying a new car is a little like a game show. Choose the right door and you win your prize - a sweet deal on a good car. Choose the wrong door and you will lose money and hate the shopping experience. Navigating the car-buying process has never been easier, thanks to the transparency created by the internet.

4 Easy Steps To Choosing A Financial Advisor

Published: August 7, 2019

You've finally decided to see a financial advisor. You know this is an important decision, but you have no idea where to start. The amount of financial information out there is infinite, and getting started can be overwhelming and intimidating. But the process can be simplified if you break it down into steps, know what you are looking for and how to look!

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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