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Shop Maryland for the Holidays

Buy Local, Earn Points, Redeem Rewards

With our Smart Rewards¹ program, eligible cardholders can earn five times the Smart Rewards points for every dollar spent during the annual Shop Maryland and Save for the Holidays event.

The more you shop, the more rewards you can earn. It’s simple:

  • Earn five times the reward points on your Visa® Smart Rewards credit card and Senate debit card purchases.*
  • Get 5,000 bonus points when you open a new Visa Smart Rewards Credit Card and make your first five purchases.**
  • Visit our Smart Rewards portal to redeem points for merchandise, fuel, gift cards, travel, event discounts and even cash back.

APPLY NOW   Card Details >>

Not a USSFCU Member?

Join today and get access to Smart Rewards, plus more!

JOIN ONLINE   Who Can Join?

Or, call us at 800.374.2758.

* Promotion valid between Tuesday, November 01, 2022 (12:00 am EST.) and Saturday, December 31, 2022 (11:59 pm EST). $1=5 points when you use your USSFCU Smart Rewards Visa Credit Card on qualifying purchases during the promotional period. Exclusions apply. Reward points are only earned on signature-based transactions. Not all transactions qualify for reward points, such as cash advances, balance transfers, and PIN-based transactions. Merchants may process signature debit card transactions as PIN-based transactions even if a PIN was not provided; these transactions would not qualify. USSFCU is not responsible for the processing method selected by the merchants. Not all merchants will participate in the reward points program. Points promotion capped at 50,000 points. Any points accrued in excess of 50,000 will earn standard points ($1=1 point with a Visa Smart Rewards Credit Card and $4=1 point with a USSFCU Debit Card on signature-based transactions). Visit for more information. See a complete list of agreements and account disclosures at

** Bonus points are available to new Smart Rewards Visa Credit Cardholders only. Promotion valid for Smart Rewards Visa Credit Cards opened between Tuesday, November 01, 2022, and Saturday, December 31, 2022. To qualify for bonus points, you must complete five transactions using your new card before Tuesday, January 31, 2023. 5,000 Bonus points will be credited to your rewards account on or before Tuesday, February 28, 2023.

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.

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