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The Credit Union Advantage for Small Business Owners

Published: July 15, 2025

The Credit Union Advantage for Small Business Owners

Why Entrepreneurs Are Choosing People-Focused Banking

Starting or growing a business means making a lot of important decisions—including where to bank. While big banks may seem like the obvious choice, many small business owners are discovering that credit unions offer an edge that’s hard to beat.

If you’re building a business, here’s why working with a credit union like USSFCU can be one of the smartest moves you make.

Lower Fees, More Savings

When every dollar counts, business owners need banking that doesn’t chip away at their bottom line. Credit unions are not-for-profit institutions, which means their goal is to serve members—not shareholders. This translates to:

  • Lower account maintenance fees
  • Fewer transaction or overdraft charges
  • Better rates on loans and lines of credit

At USSFCU, we reinvest in our members through competitive pricing and fewer hidden costs—helping you direct more of your money where it matters most: your business.

Personalized Service from People Who Know You

Big banks often treat small business accounts like a number. Credit unions offer something different: relationships.

As a member-owned institution, USSFCU takes the time to understand your unique needs, goals, and challenges. Whether you’re opening your first business account, applying for a loan, or expanding your operations, you’ll work with real people who are invested in your success.

Have a question or need help navigating your options? We’re only a call, message, or branch visit away.

Flexible Lending with a Human Touch

Need financing to grow your business? Credit unions often offer more flexible and member-friendly loan decisions than traditional banks. Why?

Because we take a relationship-based approach—not just a credit-score snapshot.
As an existing USSFCU member, you already have a financial history with us, which helps speed up approvals and unlock better lending options.

From equipment purchases to working capital, we offer:

  • Term loans
  • Lines of credit
  • Business credit cards
  • Competitive rates with personalized decision-making

Member-Owned Means Member-Focused

One of the biggest differences between credit unions and banks is ownership.
When you open an account with a credit union, you become a member-owner. That means:

  • You have a say in how your credit union operates
  • Our priorities are aligned with your financial well-being
  • We’re focused on long-term community growth—not short-term profits

For small business owners, that translates into more transparency, more trust, and more support.

Want to Learn More? Join Our Upcoming Webinar

If you're curious about whether a business account is right for you—or how to take your side hustle to the next level—don’t miss our upcoming session:

Wednesday, July 23 | 6:00 PM ET
Start Here – Building Your Business with USSFCU
Discover the tools, accounts, and lending options that can help you grow with confidence—plus, hear how your existing membership gives you a head start.

Register Now

USSFCU Is Here for Your Business

Whether you’re just getting started or ready to take the next step, USSFCU offers the tools, guidance, and lending solutions to help your business thrive.

Let’s build something together.
Learn more at ussfcu.org/mbs.

Article content is provided for informational purposes only.

All loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Not all applicants will qualify.

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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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