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Visa Credit Card

USSFCU Visa® cards have no hidden costs, annual fees, and no balance transfer fees.

With a USSFCU Visa® Smart Rate or Smart Rewards credit card, you will enjoy consistent, low-interest rates; the ability to track and manage your account 24/7; emergency 24-hour card assistance; and free auto rental collision insurance. USSFCU Visa® credit cards can be used wherever Visa® is accepted worldwide.


With online shopping and auto bill-pay growing rapidly, almost everyone has a card-on-file somewhere. Updating card info when a new card is issued can be tedious and time consuming. Visa® Account Updater (VAU) simplifies this process for you!

When your Visa® debit or credit card expiration date or card number changes, whether it’s lost, stolen or reissued for other reasons, VAU will communicate your new card information directly to the participating merchants that you have authorized to charge your card.

What is Visa® Account Updater? VAU enables the secure electronic exchange of card number and expiration date updates between USSFCU and participating card-on-file (COF) merchants.

VAU is designed to help prevent interruption of your recurring payments and possible service disruptions when your card information changes. We recommend that you notify each merchant of your new debit (check) or credit card number and/or expiration date to ensure your payments continue uninterrupted.

VAU only applies to recurring Visa® debit and credit card payments, and updates are only sent to qualified participating merchants.

What does this service do? The VAU service takes the most recent Visa® card number and expiration date updates in our system and updates this information with merchants that have those specific cards on file. Not all merchants participate in this service.

Benefits of the VAU service:

  • Offers a seamless account-update process, eliminating the need for direct action on your part.
  • Helps prevent interruption of your recurring payments and possible service disruptions when your card information changes.
  • Reduces negative experiences caused by declines.

Visa® automatically enrolls USSFCU members in this service. However, you may opt out of this service at any time by contacting Card Services at  or by calling 888-297-3416.*

View our Visa® Account Updater FAQ for more information.

Visa® Account Updater is a Visa® service; not a USSFCU service. VAU only applies to recurring Visa debit and credit card payments, and updates are only sent to qualified participating merchants. Not all merchants subscribe to VAU. Contact merchant(s) directly to find out if they participate in Visa® Account Updater. Complete information on all Visa® services can be found by visiting Visa®’s website at

*Members should not send personal information via email.

Verified by Visa® enrollment is no longer required on our US Senate Federal CU credit cards, but rest assured that your Visa® card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which eliminates the need for passwords, allowing you to shop without interruption.

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.

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.

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

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

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...

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.

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...

Magnificent people, great help during the hard times.

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.

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

Provides excellent customer service and this is demonstrated by their great attention to detail. USSFCU provides excellent financial products and professional communication.

I joined in 1975 when I began my 41 year career in the U.S. Senate. It was a family and still is - one to be depended on in times of need and for advice.

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

All of my children and grandchildren have USSFCU accounts now. I really admire USSFCU and its staff completely, they have always looked out for my interests.

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

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

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.

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

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.

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

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

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