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Home Improvement Plus Loans

A flexible funding option for today's homeowner. 

Need funds for home improvements, rehabilitation or repairs? Apply for a USSFCU Home Improvement Plus Loan and get the funds that you need to begin those home upgrades. This fixed rate, closed-end home equity loan is designed for homeowners with limited equity who want to increase the value of their current home by making improvements.

  • Borrow up to 120% of the equity in your home.
  • Fixed rate is locked for the life of the loan
  • Loan amount ranges from $7,500 to as much as $70,000
  • Terms up to 180 months
  • Interest may be tax deductible+

Home Improvement Plus Loan product is not currently available in the state of Texas.

Apply Online! If you are a member, log in to CUAnyHour+ Online Banking and click on the "Apply for Loan" tab to get started. 

If you are not a member but would like to apply for a loan, first apply for USSFCU membership. Once you become a member you can apply for a loan through CUAnyHour+ Online Banking.

RATES

APR = Annual Percentage Rate. Loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Not all applicants will qualify for the lowest rate. Home Improvement Plus loan offers fixed rates, loan amounts between $7,500 and $70,000 and repayment terms up to 180-months. Appraisals may be required for Home Improvement Plus loans with a debt to income ratio over 43%. Appraisal fees can range from $380-$450 and may be higher based on property values or for remote properties. Consult a tax adviser.

The United States Senate Federal Credit Union complies with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). A list of our registered originators can be found by searching for the United States Senate Federal Credit Union here.

Members should not send personal information via email.

Members' Voice Testimonials

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

Very personable, solution based and takes in interest in your situation.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

The credit union provides relatively good services and the security updates to the system are noticeable.

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

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