Smart Rate

Smart Rate

90 Purchases • 90 Days • $90 Reward

Take the 90 for 90 Challenge! Celebrate our 90th Anniversary with a special Smart Rate Visa® promotion. Make 90 qualifying purchases totaling $8,000 or more between October 2 and December 31, 2025, and you’ll earn a $90 Amazon Gift Card as our thank you.+

Terms and conditions apply. See full details below.

Smart Rate Visa® Credit Card

One of the Best Credit Card Rates in the Nation!

USSFCU’s Smart Rate Visa® offers a lower-than-average annual percentage rate and serves as our standard credit card option. With no annual fee and a $0 balance transfer fee, it’s the smart choice for consolidating your spending and saving money.

Accepted worldwide, the Smart Rate Visa® gives you more value and peace of mind with 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

With all these benefits, the USSFCU Smart Rate Visa® is the smarter way to pay.

RATES

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Securely manage all your USSFCU cards through myUSSFCU Online & Mobile Banking

Enable a wealth of card control settings based on spending amounts, transaction types, merchant types, and more using the newly integrated card management services within myUSSFCU Online Banking. Simply select a card from the Card Management section of your myUSSFCU dashboard, tap Alerts and Protections and begin setting your card controls, or visit ussfcu.org/mcr to learn more.

Log in at my.ussfcu.org

From extended warranty protection to travel assistance, your USSFCU Smart Rate card comes loaded with benefits. Make your purchases with confidence, knowing that you're covered by the power of Visa.

Extended Warranty Coverage

The USSFCU Visa Smart Rate Card enhances your purchase protection with extended warranty coverage. This benefit extends the original manufacturer’s warranty on qualifying items purchased in full with your rewards card, which can save you a significant amount in potential repair or replacement costs, particularly with electronics and appliances. Register a product at cardbenefitservices.com, or by calling 1-800-882-8057.

Auto Rental Collision Damage Waiver

Traveling with peace of mind is made easier with the card’s Auto Rental Collision Damage Waiver. This coverage serves as your primary insurance when renting a vehicle, allowing you to decline the rental company’s daily insurance offer. This not only saves you money but can also cover you in case of theft or collision damage to the rental car. To learn more about Auto Rental Collision Damage Waiver, visit www.eclaimsline.com.

Roadside Dispatch

The Roadside Dispatch benefit is a pay-per-use service that offers assistance if you encounter trouble while on the road, such as a flat tire, dead battery, or locked car. It’s a convenient solution that acts like an on-call emergency service for your vehicle. If you need roadside assistance, call 800.847.2869. This line is available 24/7.

Travel Assistance Services

Travel and Emergency Assistance Services are made available to help you in case of an emergency while you are traveling away from home. A Benefits Administrator can connect you with the appropriate local emergency and assistance resources, 24 hours a day, 365 days a year. To use the services, or for more information about this benefit call 1.800.992.6029.

****Visa cardholder benefit programs may be discontinued at any time without prior notice. Void where prohibited. United States Senate Federal Credit Union shall not have any responsibility or liability in connection with the rendering of cardholder benefit services. Benefits will not apply to cardholders whose accounts have been suspended or cancelled.

+90 for 90 Challenge Terms & Conditions:
Terms and conditions apply. Promotional period begins on Thursday, October 2, 2025 (12:00am EST) and ends on Wednesday, December 31, 2025 (11:59pm EST).

To earn the $90 Amazon Gift Card, participants must use their USSFCU Smart Rate Visa® Credit Card to make a minimum of 90 qualifying purchase transactions averaging $90 or more per purchase OR accumulating a net total of $8,000.00 or more during the promotional period.

  • ATM transactions, balance transfers, peer-to-peer (P2P) transfers, cash advances, and similar non-purchase transactions do not count as qualifying purchases.

  • Qualifying purchases must be initiated between October 2, 2025 (12:00am EST) and December 31, 2025 (11:59pm EST).

  • Transactions are determined on a per card/account basis and cannot be combined with any other cards/accounts to meet the qualifying 90 purchases or $8,000 total.

  • Joint cardholder activity on the same Smart Rate Visa® card/account will count toward the qualifying 90 purchases.

  • Qualifying cardholders will receive a physical $90 Amazon Gift Card. Gift cards that have been fully earned and qualified for will be mailed to the primary cardholder’s address on file within 4–6 weeks after the promotional period ends.

  • No prize substitutions allowed.

  • Limit one reward per individual Smart Rate Visa® account.

  • In the event that we determine that your account does not meet the eligibility criteria, we will not be obligated to provide the reward.

  • Other restrictions may apply. Void where prohibited.

  • USSFCU reserves the right to modify, update, or discontinue this promotion at any time and without advance notice.

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.

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. Your account is subject to a Variable Interest Rate. Increases or decreases in the Interest Rate will result in corresponding increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make. View all rates at ussfcu.org/rates. See a full list of agreements and account disclosures here.

*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 Visa Credit Card Agreement and Disclosure for additional information.

Visa® is a registered trademark of Visa.

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.

- James · Locust Grove, GA

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!

- Larry · Cumberland, MD

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.

- Eliza · Washington, DC

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

- Charles · Upper Marlboro, MD

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.

- Denise · Washington, DC

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.

- David · Silver Spring, MD

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 ...

- Manuel · Bowie, MD

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!

- Misty · Brookings, OR

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.

- Tamra · Denver, CO

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.

- John · Fort Washington, MD

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

- Bernard · Richmond, VA

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

- Erwin · Ellicott City, MD

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.

- Ruth · Takoma Park, MD

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

- Jacquelyn · Sanford, FL

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.

- Jamie · Washington, DC

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.

- Kathleen · Ukiah, CA

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.

- Richard · Washington, DC

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.

- Nicole · Alexandria, VA

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.

- Angela · Alexandria, VA

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