Smart Rate

Smart Rate

Smart Rate Visa® Credit Card

One Low Interest Rate 8.25% APR1. Almost 50% Lower than the National Average of 16.25% APR2!

USSFCU’s Smart Rate Visa offers a lower-than-average annual percentage rate and serves as USSFCU’s standard credit card option. Cardholders never pay an annual fee and with a $0 balance transfer fee, it's the perfect time to consolidate your spending!

Accepted worldwide, the Visa Smart Rate offers cardholders a number of benefits, including:

  • No balance transfer fees*
  • No cash advance fees*
  • No annual fees*
  • No rate change for late payments*
  • No over-the-limit fees*
  • No rate increases on cash advances*
  • Advanced risk detection technology
  • 24/7 online account management and tracking
  • 24/7 emergency card assistance
  • Free auto rental collision insurance
  • Debt protection available
  • Now offering Mobile Wallet services!

View the complete Smart Rate Agreement and Disclosure for additional information.

RATES

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1 APR=Annual Percentage Rate. All credit cards are subject to credit approval. Rates and/ or credit limits are based on creditworthiness, income, and debts. Rates effective as of 4/25/2020. Your account is subject to a Variable Interest Rate. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make. See a full list of agreements and account disclosures at ussfcu.org/visa. 2 Based on the national average rates released for credit cards as of 04/12/2020 on creditcards.com/credit-card-news/rate-report.php. 

*Other fees may apply. Foreign transaction fee is 1 percent of the transaction amount, which may be billed separately on your account or included in the transaction amount. This 1% adjustment is made for all international transactions regardless of whether there is a currency conversion associated with the transaction. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. To view our fee schedule visit ussfcu.org/fees. View the complete Smart Rate Agreement and Disclosure for additional information.

Members' Voice Testimonials

I feel my money is safe, the service has always been top-notch and we've found it easy to use even though I probably haven't set foot in one of the branches in five years. Joining the credit union is one of the smartest things I've done.

- Richard · Washington, D.C.

USSFCU has been my first banking option for over 40 years - no fee atms - my grands are now members of the credit union and value their credit union membership also.

- Dennis · Washington, D.C.

USSFCU staff continues to be the best and always has my best interest.

- Mia · Brandywine, MD

The USSFCU has been an important part of my financial situation and has provided outstanding service.

- John · Reston, VA

Every experience with USSFCU has been extremely good right from the start. Our main account with USSFCU is a HELOC with zero over prime rate, which is almost unheard of. The customer service has always been excellent. And when we asked for a temporary payment break to navigate and reorient professionally due to the sudden and temporary financial im...

- Katie · Carlsbad, CA

I've always been treated very professionally and the person caring for my financial needs always listened to me and helped me in a way that was not stressful and beneficial to me.

- Rochelle · Washington, D.C.

USSFCU has never failed us in its' role of being the best bank ever. All the personnel are professional, friendly, efficient and have more than earned our trust, appreciation and admiration. We admire the way they are constantly evaluating, adapting and growing their services for the benefit of its' members. We are very grateful to have had this im...

- Penelope · Copper Hill, VA

Magnificent people, great help during the hard times.

- Ramy · Salt Lake, Utah

I've been banking here for over 20 years it's the best customer service. Credit card interest rates don't gouge at USSFCU. It's a wonderful place to bank.

- Craig · Alexandria, VA

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

- Reno · Temecula, CA

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.

- Lawrence · Darnestown, MD

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 ...

- Adrienne · Wethersfield, CT

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

- Ophelia · Alexandria, VA

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.

- Linda · Powder Springs, GA

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

- Michael · Crofton, MD

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

- Salvador · Waldorf, MD

This credit union is the best, I love the customer service and you can?t beat the interest rates. And I?m happy to be a member of this great credit union.

- James · Locust Grove, GA

Great staff helping all the time. Just a very well run company always good service.

- Charles · Alexandria

Always good service, especially when I telephone in. I have another credit union where, every time I call in, I have to wait a considerable amount of time before reaching a representative. When I worked on the Hill, it always was a pleasurable experience coming to the credit union office, whether to make a deposit or apply for a loan.

- Charles · Takoma Park, MD

Customer service via the phone is very helpful and easy to accomplish requests.

- Clarke · Alexandria, VA

Care about their clients and concerned about making sure they have the best rates and packages.

- George · Cape Coral, FL

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