Why Join the USSFCU?

Online Membership ApplicationA 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. With no shareholders to pay, profits are returned to customers, known as members, in the form of higher savings rates, lower loan rates and low or no fees.

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

When you choose USSFCU as your financial institution you are not just a customer, you are a valued member. We are committed to providing you with a safe and convenient place to save and an easier, more economical way to borrow, plus:

National studies consistently show that Credit Unions offer lower loan rates and higher savings rates than banks and other financial service providers. Credit Unions charge fewer fees, too. We encourage our membership to be savvy financial services consumers by providing them the education and resources to do so. Just one example - Our educational resource center, BALANCE as well as USSFCU C.A.R.E.S. (Credit Awareness Resources & Education Services) educate members about their credit rating and encourage members to increase their credit scores thereby allowing us to provide them with the best possible loan rates.

USSFCU offers a full range of deposit and lending products. Designed with your banking needs and comfort in mind, our deposit accounts prove that banking is about a shared long-term relationship between us and you. USSFCU also provides an excellent opportunity for our members to establish an excellent credit rating. We offer a wide variety of loan options and convenient ways to borrow.

USSFCU's first priority is providing our members with excellent member service through a variety of avenues; our branch locations, call center and website. USSFCU is in business to help members meet their changing financial goals and handle money wisely and responsibly. USSFCU continues to be successful in implementing new technology to provide members with safe and secure banking choices.

Check Out the Benefits of USSFCU Membership!
CHeck box   Lines of Credit
CHeck box   Low rate Auto Loans
CHeck box   SMART Certificates
CHeck box   Share Secured Loans
CHeck box   Home Equity Loans
CHeck box  Low Rate Personal Loans
CHeck box  Home Equity Lines of Credit
CHeck box  Classic & Gold Collections
CHeck box  Extra Awards on Debit Cards
CHeck box  And 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 Download and fill out the Membership Application Form.
Step 2

Bring the form to any our branches, or :

Fax to : (703)329-4955 (outside of Senate Offices)
              4- 0522 (inside of Senate Offices)

Mail to: United States Senate Federal Credit Union
             National Capitol Station
             P.O. Box 77920
            Washington, DC 20013-8920

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

  • For details or assistance, call (202) 224-2967 or 1-(800) 374-2758. (outside DC metro area)



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...

John Smith
USSFCU Member with full benefits

Wife Jane
USSFCU Joint Member

Daughter Jenny
Never too young to join

Son John, Jr.
Has Youth Savings account

Grandpa Ed
Invested for retirement

Grandma Ann
Enjoys service in the branch

Cousin Ben
Loves low-rate credit card

Aunt Mary
Needs Home Equity Line-of-Credit

Brother-in-Law Joe
Applying for Auto Loan

Joe’s Roommate Mike
Got Leisure Loan

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!»

CU AnyHour+ Login Routing Number: 254075250

What is a Credit Union? What is a Credit Union? - Video

Membership Elegibilty

Switch Kit

Membership Pocket Brochure