Fees & Charges

Fees & Charges

Effective 05/15/2026

Membership

Service Description Fee
Membership One-time, non-refundable fee to maintain lifetime membership $1.00
Closed Account Charged when a new account is closed within 90 days of opening $5.00
Inactive Account

Charged after no non-automated member-initiated activity for one year*

$5.00/month

Account Number Change 

Charged when a member requests an account number change, unless due to fraud

$20.00

* Automated postings to an account are not considered activity. The account activity must be initiated by the member in order to not become subject to the fee. Share Certificates (CDs) and IRA Share accounts are not specifically subject to the inactivity fee. However, if there are additional accounts associated with a CD and/or an IRA Share (i.e. primary share or savings, checking, money markets, etc.), these account types would be subject to the inactivity fee. If the primary share account is at the minimum required balance ($5 per member listed on the account), the fee would not be applied.

ATM Fees

Service Description Fee

USSFCU ATM

No charge for USSFCU ATM, Congressional ATM, and certain network ATMs

NO FEE

Non-USSFCU ATM

Charged per transaction; ATM operator may assess additional fees

$1.00

Non-USSFCU cards at USSFCU ATM

Charged per transaction

 $3.00

Account Servicing

Service Description Fee

Account Research

Charged per hour or fraction of the hour

$30.00
Address Search

Charged every six months USSFCU receives notice of an incorrect address from USPS

 $10.00

Attachment, Garnishment, Levy

Charged per order or writ

 $75.00
Cashier's Check

Charged per check, except those made payable to member

 $6.00

Check Copy

Charged for providing copy of paid check

 $5.00

Debit Card International Service Assessment (Foreign Transaction)

Charged for every foreign country/non-US originating transaction, regardless of currency conversion occurring

1% of the transaction

Debit Card Replacement

Charged to replace card unless due to fraud

 $15.00

Deposit Account Verification

Charged per request

 $25.00

Express Delivery

Charged when a member requests expedited or overnight delivery

$30.00

Foreign Check Deposit - Canada

Charged to deposit a check made payable on a Canadian bank

 $20.00
Foreign Check Deposit – Other than Canada

Charged to deposit a check made payable on a foreign bank other than Canada

 $40.00

Foreign Currency

Charged to fulfill foreign currency order 

 Varies

Foreign Debit Card Cash Advance

Charged to process

 $10.00

Funds Transfers by Phone

Charged when a member initiates internal funds transfer through the Call Center

$2.00

Gold Source Checking Minimum Balance Fee

Charged per month when the account balance dips below $2,000 for one day or more

$15.00

Non-Member Check Cashing

Charged for each item presented for payment on a member’s account by a non-member

$10.00

Overdraft/Non-Sufficient Funds

We do not charge for this service

NO FEE

Pay by Debit Card

Charged when member initiates a payment using a non-USSFCU debit card – pass thru 3rd party fee

$15.00

Reloadable Cards

See separate schedule 

Varies

Returned Check

We do not charge for this service

NO FEE

Share Certificate Early Withdrawal
  • 90 days of dividends paid and accrued on the withdrawal for terms of 1 year or less
  • 120 days of dividends paid and accrued on the withdrawal for terms of greater than 1 year and up to and including 2 years
  • 180 days of dividends paid and accrued on the withdrawal for terms of greater than 2 years and up to and including 3 years
  • 360 days of dividends paid and accrued on the withdrawal for terms of greater than 3 years

Based on dividends paid and accrued

Statement Copies

Charged per reprint

$5.00

Stop Payment

Charged for one check or check series or one ACH

$15.00

Web Bill Pay

We do not charge for this service 

NO FEE

Wire Transfer - Domestic

Charged per domestic wire initiated

$25.00

Wire Transfer - Foreign

Charged per foreign wire initiated

$40.00

Printable Fee Schedule

Lending Fees & Charges

Effective 05/15/2026

Consumer Lending

Service Description Fee

Home Equity Closing

See Closing Disclosure for details

Varies

Home Equity Modification

Charged when Home Equity Loan modified for loss mitigation

$250.00

Home Equity Recast

Charged when a loan is re-amortized at the member’s request

 $25.00

Late Payment – (Closed-End Consumer Loan)

Charged if payment is not received within 15 days of the payment due date

5.00% of the payment due
Late Payment – HELOC – Classic

Charged if payment is not received by the payment due date

5.00% of the payment due

Late Payment – HELOC SmartLine

Charged if payment is not received within 10 days of the payment due date

 5.00% of the payment due

Late Payment – Home Equity (Fixed and Adjustable Rate)

Charged if payment is not received within 15 days of the payment due date

 5.00% of the payment due

Late Payment – Personal Line of Credit

Charged if payment is not received by the payment due date

The higher of $10.00 or 5.00% of the payment due

Lien Registration

Charged to place a lien on a vehicle

Varies

Lien Release/Certificate of Satisfaction

Charged to record the lien release

Varies

Loan Account Verification

Charged per request

 $25.00

Loan Modification

Charged for Troubled Debt Restructures

 $25.00

Loan Subordination

Charged to subordinate a lien on real property

 $500.00

Pay by Phone

Charged when making a payment by phone – pass thru 3rd party fee

$15.00

Skip A Pay – Online Banking

Charged when a member requests to skip a loan payment through Online Banking

$25.00

Skip A Pay – Branch/Phone

Charged when a member requests to skip a loan payment through a Branch or the Contact Center

$35.00

Visa Credit Cards

Service Description Fee

Annual Fee

 We do not charge for this service

NO FEE

Balance Transfer

 

We do not charge for this service - balance transfers are subject to the same variable APR as purchases on the account

NO FEE

Cash Advance

We do not charge for this service - cash advances are subject to the same variable APR as purchases on the account

NO FEE

Account Number Change 

Charged when a member requests an account number change, unless due to fraud

$20.00

Credit Card Replacement

Charged for a replacement card, unless due to fraud

$15.00

Document copy

Charged for each requested copy of a merchant draft

$20.00

International Service Assessment (Foreign Transaction)

Charged for every foreign country/non-US originating transaction, regardless of currency conversion occurring

1.00% of the transaction amount

Late Payment

Charged for each payment not made by the due date

$35.00

Returned Payment

We do not charge for this service

NO FEE

 

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

Read More testimonials.