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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.

Looking to Apply After Regular Business Hours? With USSFCU After Hours service, we are now reviewing applications and making decisions after regular business hours.


Not all applicants will be approved.

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.

All loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income, and debts. Not all applicants will be approved.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

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