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Experience the USSFCU Difference

When you choose USSFCU as your financial institution, you are not just a customer—you are a valued member and owner. We are committed to providing you with the same stability, security & service we have been providing the Senate Community since 1935.


Being the official credit union that serves the U.S. Senate brings a lot of stability that most other financial institutions don’t enjoy. However, that is the floor for where our stability starts and we have built on that for almost a century. Making measured decisions in regards to growth and expansion that ensures we grow at a healthy rate while incurring as little risk as possible has been a longstanding strategy for the credit union. This award winning growth strategy will propel us over the $1 billion mark while keeping the best interest of our members at the center of all our decision-making.

Ranked #1 best-preforming credit unionabout press releases detail?cId=14701&title=united states senate fcu leads 2018 credit union rankings of 2018 by S&P Global Market Intelligence.

Top 200 Healthiest Credit Unions in the Nation in 2018 & 2019.


Because of who we serve it goes without saying that member security and protection of member data is of the utmost importance. We go to extreme measures to ensure that our data security meets the highest levels and undergoes rigorous testing to ensure what we have in place is impermeable. Additionally, because threats are always changing so are our measures of protection. Our IT security team are constantly improving and increasing their knowledge to ensure we have the pieces in place to best protect our members from potential threats.


Providing exceptional service is a longstanding traditional at USSFCU. Our members consistently rate USSFCU at 91% in Overall Satisfaction through our Members’ Voice satisfaction survey program.

Below is just one testimonial from a member…

“Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the difference. Whether I call or email, I always get quick and reliable answers. Also, the financial products and services offered are great!”

-Joanne  •  Brooklyn, NY

Exceptional Rates.about rates At USSFCU, auto loans, home loans, credit cards and personal loans all offer lower rates than you will find at a bank. At the same time, savings, money market, and certificates yield higher returns. 

Lower Fees. At USSFCU you'll find free-checkingabout, fewer maintenance and service feesabout, and low minimum balance requirements. Likewise, service and loan origination fees tend to be lower.

Nationwide Branch and ATM Access. Through services like Shared Branching and CO-OP ATMs, credit union members have access to more branch and surcharge-free ATM locationsabout surcharge free atms than many big bank customers do.

Plus, members enjoy other perks like early access to directly deposited payroll fundsabout early direct depositfree checks & other account servicesaboutfinancial wellness resourcesabout greenpath financial wellness and more!

Join USSFCU Today! 

Lifetime membership is only $6.

Get started on your path to USSFCU membership.


Have questions or would simply like to speak with someone before applying?

[email protected]  •  800.374.2758

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Membership Eligibility

In addition to the U.S. Senate, USSFCU provides credit union services to over 100 additional Select Employee Groups (SEGs), many in the Washington, D.C., metropolitan area, and others nationwide. 

Eligibility to join the United States Senate Federal Credit Union is generally based on employment or special affiliation with one of our Select Employee Groups (SEGs).

Can't find your organization? One of the most common ways to establish eligibility for USSFCU membership is through the two organizations listed below.

The United States Capitol Historical Societyabout segs?cId=14906&title=united states capitol historical society

American Consumer Council, Virginia Chapter (VACC)

Members of the VACC are automatically eligible to join USSFCU and we cover the membership fee!

VACC membership takes a matter of minutes and USSFCU covers the membership dues. Plus, you can join the VACC anywhere in the U.S., not just Virginia.

The VACC is a non-profit organization dedicated to consumer education, advocacy, and financial literacy. Joining the VACC is simple and for a limited time you can use Promo Code USSFCU to waive the $8.00 VACC Membership Fee.* Follow the instructions below to join:

  1. Go to
  2. Click the Join Now button
  3. Fill out the short application—Use Promo Code USSFCU to waive the $8.00 membership fee
  4. Click Proceed to the Next Step to complete the application process

You will receive an email containing your VACC Membership Number and Certificate (retain for your records). This information will automatically be sent to USSFCU.

That's it! You are now eligible to begin taking advantage of the financial stability, security, and service USSFCU has been providing the Senate and Capitol Hill community members for over 80 years. 

For more information or to join the VACC, visit

Banks vs. Credit Unions

Credit Unions


At a credit union, the shareholder is a valued member and owner.

At a bank, the customer has no ownership interest in the institution. Banks are owned by investors, who may or may not be depositors.

Since credit union members are owners, each member, regardless of how much money they have on deposit, has one vote in electing board members. Members can also run for election to the board.

Banks are owned and controlled by stockholders, whose number of votes depends upon the number of shares owned. Customers do not have voting rights, cannot be elected to the board, and have no say in how their banks are operated.

Credit union boards are comprised of volunteers who reflect the diversity of their membership.

Bank board members are paid and do not necessarily reflect the diversity of their customer base.

Credit unions are local and organized to serve the interests of their membership.

Banks are open to the general public.

Credit unions are not-for-profit, cooperative organizations owned entirely by and operated for their memberships’ benefit. Earnings are paid back to members in the form of higher savings rates and lower loan rates.

Banks are for-profit corporations with declared earnings paid to stockholders only.

Credit unions focus on consumer loans and member savings, as well as services needed by their membership.

Banks focus on commercial loans and accounts plus services that generate significant income.

Credit unions cooperate with other credit unions and share resources to bring convenience and savings to their respective members. CU Service Centers and the CO-OP ATM Network are just two examples of this cooperation between credit unions.

Competition between banks prohibits the sharing of resources.

In the entire history of U.S. credit unions, taxpayer funds have never been used to bail out a credit union.

The Savings and Loan Crisis (and bailout) in the late 1980s into the 1990s, as well as the more recent bank bailouts, used taxpayer funds.

Credit union deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), an independent federal agency.

Bank deposits accounts are federally insured up to $250,000 by the Federal Deposit Insurance Corporation (FDIC), an independent federal agency.


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.

Read More testimonials.