USSFCU Membership

  • Why Join?
  • Eligibility
  • How to Join?
  • Students

Why Join USSFCU?

A Credit Union is a cooperative organization owned entirely by its members and operated for the benefit of all who belong. A Credit Union is different from a Bank or Savings and Loan because it is a not-for-profit organization. That means the profits are returned to customers, known as members, in the form of higher savings rates, lower loan rates and low or no fees.

When you choose USSFCU as your financial institution you are not just a customer to us — you are a valued member and owner. We are committed to providing you with a safe and convenient place to do all your financial activities and an easier, more economical way to borrow.

Check Out the Benefits of Membership!

CHeck box Premium Customer Service

CHeck boxChecking/Savings/Certificate Accounts

CHeck box Online Banking 24/7/365

CHeck box Competitive Rates

CHeck box Mobile Banking

CHeck box Remote Deposit Anywhere

CHeck box eNotices

CHeck box Online Bill Pay

CHeck box IRA and Roth IRA Accounts

CHeck box Money Market Accounts

CHeck box Personal Loans

CHeck box Mortgages/Home Equity Loans and Lines

CHeck box Auto Loans and Buying Services

CHeck box Direct Deposit

CHeck box Credit Cards (Smart Rate and Smart Rewards)

CHeck box Bank to Bank Transfers

CHeck box Worldwide ATM and Shared Branch Network

CHeck box Debit Cards and Extra Awards

CHeck box Financial Education Services

CHeck box Personal Financial Manager

CHeck box Investment Services

CHeck boxMembership for Life

CHeck boxand more


Membership is via sponsorship or contribution.

Step 1 Sponsorship by an employer

You must be currently employed by or directly retired from one of our Select Employee Groups.

Employees of Select Employee Groups are eligible to become members. Additionally, whether or not the employees themselves become members, they may extend the membership to their immediate families and households.

Step 2 Sponsorship by a family member or household member

Member Eligibility TestA member in good standing or a current employee of a Select Employee Group may sponsor an immediate family member, as well as others in the same household. This includes:

  • Spouses
  • Immediate Family (child, sibling, parent, grandparent, grandchild, stepparent, stepchild, step sibling, or adoptive relationship)
  • Household Members (persons living in the same residence and maintaining a single economic unit)
  • Organizations of people in one of the above groups

Step 2 Eligibility through Contribution to the US Capitol Historical Society (USCHS)

As a member of the Society, either as an individual or as an employee of a member organization, you are automatically eligible to join the United States Senate Federal Credit Union. When you join the Society, apply to the Credit Union at the same time. Current members of USCHS are also invited to participate in this member offering.
Read the Brochure for more details PDF

How to start Your Membership

Step 1 Visit a branch and apply in person.
Step 2 Call or email us for a secure application: (202) 224-2967 or 1(800) 374-2758
Step 3 You must open a primary savings account with a minimum of $5 and one-time-only membership fee of $1.
Step 3 Make the switch from other financial institutions to USSFCU with Online Easy Switch Kit

For those joining the US Capitol Historical Society for the first time, to become eligible click here» or read the Brochure for more details PDF



To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

When you open an account, we will ask for your name(s), address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Membership at USSFCU at a young age means that you get a lifetime of benefits from the very start of your financial future. Unlike other banks and even other credit unions, USSFCU offers a wealth of education and products and services to get you started and keep you interested. You can access information about your accounts from anywhere, anytime with a network of ATMs, shared branches, online and mobile banking and even make deposits remotely using your flatbead scanner or the camera function of your smartphone. Membership also makes you eligible to take part in the USSFCU Student Lending program that includes private student loans and consolidations, to take advantage of discounts and rewards, and to benefit from lower rates on borrowing and higher rates on saving.

Student Program Student lending

SBP provides everything you need to make the most of your money at home or away at school. Designed for 18 to 20-somethings, the program includes all the service and convenience you’ll ever need! You have exams, work and your social life to worry about, let us make managing your money convenient and easy.

Federal loans not enough to cover the cost of your college education? The private student loan and loan consolidation program available through US Senate Federal Credit Union can be the answer to your funding needs.

Student Banking Program Student Lending


a Reminder...

If you are a USSFCU member, your family members are also eligible to join. That means that they can take advantage of the same low loan rate, no hidden fees, dependable service that you’ve come to expect from your member-owned credit union.

So share the wealth and encourage your family members to become USSFCU members, too!

Credit Unions are regulated by the National Credit Union Administration, a U.S. Government agency, and are federally insured.
Routing Number: 254075250

Membership Elegibilty

Switch Kit

Membership Pocket Brochure