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Transactional Fees & Charges

USSFCU has eliminated NSF/Overdraft Fees

We have sunset our Member Privilege Program and replaced it with the all-new Courtesy Pay Program.

Effective 09/12/2023

Membership Fees

Service Description Fee
Membership Fee One-time, non-refundable fee to maintain lifetime membership $1.00
Closed Account Fee Charged when a new account is closed within 90 days of opening $5.00
Inactive Account Fee After no member initiated activity for one year, a fee is charged every six months* $5.00

* 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.

Account Fees

Service Description Fee
Account Number Change Free if account change is to protect members from fraud $20.00

Transaction Services

Service Description Fee
Check Copy   $5.00
Returned Check Fee Fee for dishonored items deposited to a member's account. $15.00
Stop Payment Fee for one check or check series or one ACH $15.00

Transfers to Pay Checks

Service Description Fee
Call Center Transfer Transfers initiated through Call Center staff $2.00

Gold Source Checking

Service Description Fee
ATM Fees Gold Source Accounts pay NO USSFCU ATM fees No Charge
Minimum Balance Fee Fee imposed for balances below $2,000 minimum $15.00

Smart Certificates

ATM Fees

Service Description Fee
Non-USSFCU ATMs USSFCU fee; Other ATM operator fee may apply $1.00
USSFCU ATMs This includes Congressional FCU and certain network ATMs No Charge
USSFCU ATMs-Non-USSFCU Cards Non-USSFCU, WPCFCU or appropriate network cards at USSFCU ATMs $3.00


Service Description Fee
Address Search Bad address fee - every 6 months $10.00
Cashier's Check Payee is other than member $6.00
Check Cashing Non-Member Cashing member check by non-member $10.00
Expedited/Overnight Delivery Member request to have items expedited or sent overnight $30.00
Pay by Debit Card Payment using a non-USSFCU card     $15.00
Reloadable Cards See separate schedule Varies
Research Per hour or fraction $30.00
Statement Reprint Request Per statement $5.00
Savings Bonds   $5.00
Verification Fee Deposits or Loans - per request $25.00

Foreign Service/Wire Transfers/Other

Service Description Fee
Domestic Wire N/A $25.00
Cash Advance (Foreign Debit Card)   $10.00
Foreign Check Deposit Canada $20.00
Foreign Check Deposit Other than Canada $40.00
Foreign Currency Foreign currency Varies
Foreign Wire   $40.00

Web Bill Pay

Service Description Fee
Web Bill Pay Free with eNotices No Charge

Skip A Pay Services

Service Description Fee
Skip a Pay Fee Online Banking $25.00
Skip a Pay Fee In Branch/Phone $35.00

myUSSFCU Digital Banking

Service Description Fee
Annual Fee for Personal Financial Manager and Account Aggregation N/A No charge
Per Item Fee for Bank to Bank (ACH) Transfer N/A No charge

Printable Fee Schedule

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.