Home Improvement Plus Loans

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 home owners who need renovations big or small. Enjoy personalized decision-making and customized service from beginning to end.

A new and enhanced online loan application platform is coming soon.

To apply for a loan, please contact Member Service Center at 202.224.2967 or visit a branch.

  • Fixed rate is locked for the life of the loan
  • Designed for members with little or no equity in their primary residence property
  • Loan amount ranges from $7,500 to as much as $70,000
  • Terms up to 180 months*
  • Interest may be tax deductible**

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. A Home Improvement loan with an original balance of $25,000 and a 180-month term with an APR of 6.99% totals a monthly payment of $224.57. Rates effective as of June 1, 2018.

**Consult a tax advisor.
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.
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.