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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

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.

Read More testimonials.