Homeowner Loan

Homeowner Loan

Use the potential of your home to its fullest. This closed-end, variable rate loan is designed for homeowners that have a large need and not very much equity in their home.

 

Homeowner Loan is not currently available in the state of Texas.

RATES

  • Designed for members with a large need and little or no equity
  • Loan amount ranges from $7,500 to as much as $70,000
  • Appraisal may be required
  • Interest may be tax deductible*

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.

*Consult a Professional Tax Adviser. Members should not send personal information via email.

It's your staff that make us keep coming back for years and years.

- James R. · 40 Years of Membership

Thank you for letting all of us be a part of your celebration - Happy 85!

- Susan S. · Member Since 1998

USSFCU makes me feel more appreciated than any bank I've had before and helps me save for my future home.

- Brenda M. · Member Since 2019

USSFCU Happy 85!!! Best banking and customer service since I was 12. Thank you!

- Sonya L. · 31 Years of Membership

Happy Anniversary to an institution that has become part of our family! Thank you for everything!

- Courtney M. · 14 Years of Membership

Happy Anniversary, thank you for helping retirees with better rates.

- Joyce W. · 3 Years of Membership

Happy Anniversary and thanks to all employees for always being friendly and providing great service.

- Timothy H. · 3 Years of Membership

It's your 85th anniversary, and it's my birthday month - Happy Anniversary to you and Happy Birthday to me!!!

- Diana G. · 34 Years of Membership

I really enjoy USSFCU's great customer service! They are always so helpful when I call or visit a branch and make my banking experience easy and enjoyable. Thank you!

- Paul D. · Member Since 2020

Congratulations on your 85th year! Thank you for being the best credit union in the business.

- John H. · 40 Years of Membership

Happy 85th Anniversary! I've been a member for 27 years and have always appreciated the great rates and service. Here's to at least 85 more years...

- Jill N. · 27 Years of Membership

I was referred to USSFCU when I was building my swimming pool. This is the first banking experience that I have had in 48 years that has been so pleasant. USSFCU is the best and the ease of utilizing them for your banking needs is a MUST! Happy Anniversary and MANY MANY MORE!

- Carrie C. · Member Since 2017

Happy 85th Anniversary USSFCU and thank you for providing the services that you do as you helped my family to fulfill a dream that we had and it is certainly appreciated.

- Jason F. · Member Since 2018

Happy Anniversary! Much to be proud of... especially the customer service.

- Duane B. · Member Since 2014

When I joined in 1992, I was young and didn't have much financial wherewithal. Over the years, when I've needed a loan, you've helped me out. When I had extra money not doing anything in a savings account, a representative reached out to me to open a money market account. When I bought my first car, you gave me that loan. You've helped me on my fin...

- Neil G. · Member Since 1992

Happy 85th Anniversary! Thank you for providing such great service to all of us who have worked for the U.S. Senate. Having a credit union devoted to our financial care is appreciated. Here's to 85 additional years!!

- Lisa R. · 20+ Years of Membership

Happy Anniversary, USSFCU! I have been a proud member since 1993 when I opened my account upon getting my first job out of college in the Architect of the Capitol Curator's Office. Thank you for your service! It's been a great banking experience for me for 27 years.

- Kim S. · 27 Years of Membership

Happy anniversary! I'm a 20 year member -- I've had/have numerous loans and have always had a great experience working with your staff.

- Anna G. · 20 Years of Membership

Happy 85th Anniversary. I have been a member for 27 years. I have had nothing but success with my financial goals as a member of USSFCU. Thanks so much!

- Debra T. · 27 Years of Membership

I joined USSFCU in 1993. I had just started a job as Executive Assistant to a U.S. Senator and being a Black Woman, I felt intimidated and not always accepted in the Senate environment. The one place I felt truly welcomed and comfortable was in the credit union. The staff was professional, courteous and made me feel at home the minute I walked in ...

- Barbara S. · 27 Years of Membership

I am so grateful to be apart of the USSFCU family. I have received outstanding service and am very glad I decided to join this credit union.

- Brittany C. · Member Since 2014

Happy 85th to USSFCU!! Thanks for everything! Here's to 85 more years!

- Michael J. · Member Since 2013

Happy 85 years! May your operations continue to flourish!

- Christina P. · 27 Years of Membership

The USSFCU has been great. I signed up my 2 sons and they have been able use the banking services for their higher education.

- Paul D. · Member Since 2011

Happy 85th from a 53-year member. I remember when the credit union was located adjacent to the barbershop in the basement of the Old Senate Office Building. Great service then! Great service now!

- Thomas H. · 53 Years of Membership

I work in-state but your agency has made it so easy to do business with in many ways. I have a VISA, checking, savings etc. with you and even when I call from Ohio, everyone is so helpful and eager to help. Thank you and Happy Anniversary.

- Paulanne O. · Member Since 2013

My 38th year as a USSFCU member! I love the personalized service and your kindness over the years. Happy 85th Anniversary!

- Leanne S. · 38 Years of Membership

My first job in Washington was at NRSC which came with Senate FCU privileges. That was in 1989 - I left DC in 1995 and to this day I love the reaction when people see the senate emblem on my credit card and checks.

- Sandra H. · 31 Years of Membership

I joined right after college after accepting my fist job in the USS; now 26 years later, I'm still a member and so happy with your products and service! Congratulations on 85 years of doing right by your members!

- John R. · 26 Years of Membership

As a member of USSFCU since 1967, I can remember when it consisted of one room in the basement of the Russell Building. Congratulations!

- James L. · 53 Years of Membership

Happy 85th! You don't look a day over 30.

- Jason A. · 22 Years of Membership

Thanks for the great service members receive every day. Happy anniversary.

- Craig H, · 20 Years of Membership

I have been a member of USSFCU for sixty years and it is still my financial institution of choice. Their service is exceptional and their staff is friendly and helpful.

- Harry G. · 60 Years of Membership

I was a senate page and messenger for the sergeant of arms when I was 15. 43 years later I'm still a member. I could find no better place to bank despite overseas military serves. Simper Fi! Works here also.

- Mike W. · 43 Years of Membership

Happy 85th Anniversary USSFCU. I have been a member since I began working for Senator Alan Cranston (Democrat from California) in 1982. Although, I left the Senate when Senator Cranston left office, I have remained a member of the United States Senate Federal Credit to this day. I have had nothing but positive service from USSFCU and will continue ...

- Loretta M. · 38 Years of Membership

More than 20 years with the USSFCU. I am grateful for their friendship. Happy Anniversary!

- Ed M. · 26 Years of Membership

Happy anniversary! I feel safe and secure banking with my USSFCU family.

- Maya K. · Member Since 2014

Happy anniversary! The wife and I are so happy to be members.

- Andrew H. · Member Since 2018

Happy Anniversary! Keep adding value to the great banking services provided to make peoples' lives better.

- Ranjit S. · Member Since 2014

Happy Anniversary! Thank you for all you've done for our family over the past 3 years.

- Cynthia B. · Member Since 2017

Congrats!! This is the first credit Union I've ever joined and my experience so far has been fantastic!! From everyday help with new cards, to recently adding my new wife to our account after our wedding on 9/27! Thank you for all of you do!! Looking forward to another 85 years!

- Dylan M. · Member Since 2017

It's hard to believe how much we've been through since we got together in 1972- two children with accounts, cars, home improvements. I don't know what I would have done without you.

- Laura A. · 48 Years of Membership

Happy Anniversary to our wonderful family! Wishing you many more years of accomplishments!

- Livia M. · Member Since 2016

Happy Anniversary to USSFCU! I have been a member since 1982. I only worked in the Senate for one year but I'd never give up my membership in the USSFCU! Here's to at least 85 more years!!

- Christine K. · 38 Years of Membership

My 85 year old mom was born on October 8, 1935... exactly when USSFCU was founded! How's that for karma!!

- Dan H. · 15 Years Membership

Happy anniversary United States Senate Federal Credit Union. I love my credit union and the great rates with Visa and car loans. Hoping to refinance my home soon with y'all. My birthday is October 8 and I'll be 57, to think that USSFCU was already 28 years old when I was born. That's amazing keep the good work up.

- Wade M. · Member Since 2016

Thank to the entire USSFCU Team. My every interaction with all of you has been kind and efficient. I appreciate all our your efforts to make our days a little easier and brighter!

- La-Toria H. · 19 Years of Membership

Congratulations to USSFCU for 85 years of service...I joined when the Credit Union was just a room in the basement of the Russell Building nearly 50 years ago.

- Daniel C. · 48 Years of Membership

Congratulations Senate Federal Credit Union on celebrating 85 years! I have been blessed to be a member since 1998! I also had the great honor and pleasure to support the Hart Branch of the USSFCU while an employee of the Senate Sergeant at Arms Operations Division! The Hart Branch of the USSFCU has the kindest, friendliest, most professional emplo...

- Tawndra S. · 22 Years of Membership

I started in the Senate in 1977. I was in need of a car and had just a few hundred dollars to my name since coming from Minnesota. My boss told me about the Credit Union and walked me over to the Russell building and introduced me to Virginia P. where I joined and she gave me a loan for 1600.00 to buy a car that afternoon.

- Robert C. · 43 Years of Membership

Congrats! USSFCU has been a reliable financial partner for my family saving me on fees and with low car and personal loan rates. On to the next 85 years!

- Natalie S. · 13 Years of Membership

Thank you for your wonderful service. I joined in 1989 when working for Senator Cochran.

- Scott H. · 31 Years of Membership

Happy anniversary! Thank you for decades of superb service!

- Denise H. · 37 Years of Membership

Glad to be part of this great anniversary!

- Scott M. · 30 Years of Membership

Wishing you a most happy 85th Anniversary. You provide excellent service!

- Member Since 2017 · Joel W.

Congratulations to USSFCU on 85 years of service to the community.

- Patrice M. · 34 Years of Membership

Happy Anniversary to one of the best credit unions in the United States! Great for all banking needs.

- Natalie F. · 14 Years of Membership

Happy Anniversary!!! I have been a member since 1993...thank you for the excellent service throughout the years...I wouldn't trust anyone else with my money!

- Latasha T. · 27 Years of Membership

Happy Anniversary USSFCU, you have always been there for me! Your personalized businesses model is unprecedented exhibited by professionalism, kindness with a willingness to make your clients happy will keep us all coming back for years to come! Cheers to the next 85 years.

- Dennis L. · Member Since 2015

Happiest of anniversaries to a super credit union. You have given us kind, faithful service. May you be richly blessed in return.

- Susan H. · 39 Years of Membership

Our family really appreciates all the services the credit union has to offer. We have financed (and re-financed) our mortgage, opened retirement accounts, and established our kids' first bank accounts with USSFCU. Thanks for all that you do!

- Kim G. · 25 Years of Membership

Thank You for being there through all of these years.

- Vrafrances S. · 22 Years of Membership

Been a member for more than 50 years. Congratulations!

- Lana S. · 56 Years of Membership

Happy Anniversary. Keep up the great Union benefits.

- James M. · 20 Years

I've been a member since I first moved to the area and wouldn't change a thing!

- Adrianne S. · 23 Years of Membership

When I became part of the Senate staff it was clear many new doors would open. One, to ussfcu, has remained so for many (about 50 or more) years, helping us through small and larger problems, We have used, enjoyed and appreciated their services.

- Robert H. · 50 Years of Membership

I've enjoyed banking with USSFCU over the years! It was helpful for managing my money for everything from grad school to my first home to my kids!

- Carol F. · Member Since 2012

A colleague told me she was getting a higher than average interest rate on her savings. I said, "That's the bank for me!"

- Carol B. · 49 Years of Membership

Congratulations on 85 years. Opening a USSFCU account was one of the very first things I did when I started working on Capitol Hill 20 years ago and I?ve never looked back. It?s my primary bank account to this day. Best wishes for the next 85 years.

- Jeffery L. · 20 Years of Membership

Happy 85th. I joined at age 16 in 1979 when I started what turned out to be a full career with the Senate. Things certainly have changed as USSEFCU grew and dropped the "E".

- Scott S. · 41 Years of Membership

The USSFCU has always been there for me. The staff has shown nothing but professionalism.

- Ella B. · 54 Years of Membership

Congratulations on 85 years of service to the Congressional community!

- Jan Z. · 12 Years of Membership

I had just graduated from college mid-year and moved to DC from the Midwest in January 1982. One of the first things I was told to do after starting work in the Senate was to open an account at the credit union. I did, and despite the fact that my boss lost in 1984, I have kept my account. The credit union helped me buy my first car. Lots of great ...

- Marcia P. · 39 Years of Membership

It?s a Happy Anniversary for all USSCU members thanks to the 85 years of wonderful and thoughtful service!!! I still love my classic checks! Happy Anniversary!

- Tara C. · 25 Years of Membership

Happy 85th Anniversary USSFCU! I have been a member since 1983 and I appreciate the tremendous service that I have received throughout my 37 year membership. Keep up the great work!

- Edward B. · 37 Years of Membership

Ever since I joined in 2011, I've experienced nothing but superior service from USSFCU! From teller assistance to phone conversations, I have never been disappointed. I've banked with many different institutions but I can never see myself leaving USSFCU. Thanks so much!

- Akua A. · 10 Years of Membership

Happy 85th birthday to an incredible credit union who is always looking out to its members each and every year. Congratulations on this milestone!

- Michael D. · 30 Years of Membership

Congratulations USSFC! Great customer service. A first class organization!

- Dick W. · 19 Years of Membership

Very thankful of the stability provided by the USSFCU in these crazy times. Wishing you all safety and love and Happy Anniversary.

- Chris V. · 10 Years of Membership

Congratulations USSFCU!!! I am a long time member, not only because it is convenient but because of the great service from Credit Union staff. Friendly efficient service from staff at the Hart, Alexandria and GAO locations always comes with a smile. I can't wait for the next annual meeting. Thanks and looking forward to another 85 years.

- Michael M. · 27 Years of Membership

Thanks to the USSFCU I was able to receive a car loan after years of bad credit. This is a wonderful institution.

- Jeffrey T. · 28 Years of Membership

Happy Anniversary! Thank you for all that you do. We love our new pool!

- Ethan M. · Member Since 2018

I worked in the Senate for 23 years and it was so convenient to dash down to the Credit Union. Following that, I went to the State Department to work for a senior official. My contact from the Credit Union (Dana) was extraordinarily helpful in all things money-related for my "Principal" and for me. I couldn't have managed nearly as well as I did wi...

- Kathryn T. · 47 Years of Membership

Thank you for serving the community. It is a pleasure and a joy to say I am a member.

- Brooke G. ·

Congratulations USSFCU! I appreciate your efforts to expand services and protect your membership here and abroad.

- Ophelia R. · 12 Years of Membership

As a member for more than 40 years, I am thrilled that the USSFCU has reached this milestone, and I wish continued success in the next 85!!!

- David C. · 44 Years of Membership

I have been a member for 40 years and it is one (1) of the best decisions I have ever made for my financial future. Greta, was my 1st teller and has continued to be a very supporting advisor throughout all these years..Happy Anniversary to all your members.

- Lawrence V. · 40 Years of Membership

The USSFCU has ALWAYS given me and my family the best service for the last 20 years. I would never switch my banking to any place else. They?re the best!

- Sherry W. · 25 Years of Membership

Eighty-five years is about a lifetime. That's how long we can depend on USSFCU to be with us in good times and bad - for a lifetime.

- Neil S. · 43 Years of Membership

Estoy muy contento ...

- David C. · Member Since 2019

Congrats on making it to 85 and still giving the 3S: Stability, Security, Service and do add Satisfaction

- Herb L. ·

Happy Anniversary! 85 years of helping people fulfill their financial goals, woohoo!!!

- Mary H. · Member Since 2018

I just heard! Is it true? Eighty-five years... Whoop-de-do!

- Andrea E. · 10 Years of Membership

USSFCU has been a great resource for this service disabled Vet - thank you & happy anniversary!!!

- Ashley A. · Member Since 2016

Happy 85 Anniversary, I thank for the great job you guys always do, Thanks for allowing me to be part of your family.

- Dinorah A. · 12 Years of Membership

Awesome to be celebrating my 25th year Silver anniversary with my credit union spouse the same week that USSFCU is celebrating 85. Much love and gratitude.

- Charles J. · 30 Years of Membership

A credit union is the financial bestie for working people. I was employed as a credit union rep for 9 years. I promoted legislation to save credit unions as a Us Senate staff representative. Credit unions know who we are as people. I salute the services and dedication of 85 years non stop from the UNITED STATES SENATE FEDERAL CREDIT UNION. Please g...

- Sheilah S. · 20 Years of Membership

It?s not just a corporate anniversary, it is an anniversary of a family and community that has grown stronger over the years. USSFCU started with a few but now there are many, not only in numbers but also in engagement, resources, and talents. Wishing you many more years of unparalleled service and success. Happy 85th anniversary USSFCU!

- Danielle M. · 31 Years of Membership

Congratulations from Michigan. Many more successful years ahead.

- Mark B. · Member Since 2018

Happy Anniversary! Your dedicated customer service, both in person and by phone, is greatly appreciated. Thanks for doing it right!

- Dawson H. · 14 Years of Membership

Happy 85th anniversary USSFCU. Thank you for your service! I appreciate the credit union so much.

- Kathy R. · 28 Years of Membership

Congrats! Thanks for being my bank for 42 years!

- Cynthia H. · 42 Years of Membership

Have been a happy USSFCU member since the 1980's!

- B. Jackson · 40 Years of Membership

Cheers to our Credit Union on its 85th! Proud to be a Member! Being part the USSFCU has special meaning for me because the first Federally-chartered credit union in the United States was in my hometown: Texarkana, Texas (Morris Sheppherd FCU, in 1934). In addition, a huge influence in my future life in Washington was Congressman Wright Patman, who ...

- William W. · 18 Years of Membership

Happy anniversary USSFCU! I've been a member for 30 years (I'm pretty sure). It's been a great convenience having you in the building, and everyone is always super nice. Thank you!

- Monika G. · 30 Years of Membership

Thank you for all of your great support over the years! It's nice to call and get similar voices, too, so that means you take care of your employees. Keep up the good work!

- Nicolas M. · 28 Years of Membership

2 years ago my dream of owning my own pool came true! Thanks to USSFCU we were able to put in a pool, making my childhood dream come true! Today my children enjoy the pool all the time! Thank you and happy anniversary!!

- Gabriella D. · Member Since 2018

Happy 85th Anniversary! I have been with the USSFCU since the 80's when I first started working as a teenager. Many loans, careers, military service and years later I am still here despite attempts by other institutions to gain my business. The USSFCU has always been fair, reasonable and looked out for my family and I.

- Anthony D. · 28 Years of Membership

It's been a pleasure banking you'll for nearly 20 years starting with a young savers account. You'll have great rates and the new learning tools are just amazing keep up the great work.

- Anthony A. · 15 Years of Membership

Happy Anniversary! I've been a member over two decades and appreciate the ease of banking and excellent customer service I?ve always received. Cheers to 85 more years!

- Shawn D. · 23 Years of Membership

USSFCU was my first bank - I can remember back in 1998 when I deposited my first check! I have continued to rely on USSFCU for all my banking needs throughout my life milestones and look forward to the future.

- Sandra F. · 22 Years of Membership

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