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Lending Fees & Charges

Effective 04/01/2021

Lending Fees & Charges

Service Description Fee
Attachment, Writ or Levy Fee Per Attachment, Writ or Levy $75.00
Home Equity Fees Pass Through Closing Fees Varies
Home Equity Modification Fee Fee for Home Equity modification  $250.00
Late Payment by Phone electronic Payment for delinquent loan(s) using a non USSFCU account $7.00
Letter of Credit Fee Fee to issue performance bond, minimum $250.00 1%
Lien Registration Fee to Place Lien on Vehicles Varies
Loan Modification Fee Troubled Debt Restructures Only $25.00
Skip a Pay Fee Using Online Banking $25.00
Skip a Pay Fee In Branch/Phone $35.00
Subordination Fee N/A $250.00

Late Fees by Product:

  • Credit Cards: If your payment is received after the payment due date, you will be charged up to $35.
  • Classic HELOC: If your payment is not received by the payment due date, you will be charged 5.00% of the payment due.
  • Smartline HELOC: If your payment is more than 10 days late, you will be charged 5.00% of the payment due.
  • Home Equity (Fixed and Adjustable): If your payment is 15 or more days late, you will be charged 5.00% of the payment due.
  • Closed-End Loans: If your payment is 15 or more days late, you will be charged 5.00% of the payment due.
  • Personal Line of Credit: If your payment is received after the payment due date, you will be charged $10 or 5% of the payment due, whichever is higher.

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.

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