Rates

Rates

Compare how USSFCU's Rates Stack Up Against the Competition.

Financial Institution New Auto Loans*

up to 72 Month Term
Base Rate

HELOC*

Rewards Credit Cards1
USSFCU 3.24% APR 3.25% APR 9.25%2 APR
NASA FCU 5.14% APR 4.00% APR 9.40% APR
Bank of America N/A 5.28% APR 13.99% APR
Capital One 3.85% APR

5.35% APR 

 15.49% APR
TD Bank N/A 6.19% APR 13.24% APR
PNC Bank 3.79% APR 5.35% APR 11.99% APR

Call 800.374.2758 or email  to take advantage of these great rates.

APR=Annual Percentage Rate. Comparison rates are based on information retrieved from SNL Financial as of 06/09/2020.*All loans subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Rates subject to change. Not all applicants will qualify for the lowest rate. 1Rewards Credit Cards 2USSFCU's Visa Smart Rewards Credit Card. Members should not send personal information via email. 

Printable Rate Sheets

Loan Rates Savings Rates

 Loan rates are effective as of 04/25/2020. Savings Rates are effective as of 07/01/2020.

Checking/Savings

Savings, Checking and Money Market

Type of Account APY1 Dividend Rate Minimum Balance
Gold Source Checking Share 0.05% 0.05% $2,000.00
Primary Savings Share 0.05% 0.05% $5.00
Youth Savings Share 0.05% 0.05% $5.00
Holiday Club Savings Share 0.05% 0.05% $5.00
ROTH, Traditional & SEP IRA Savings 0.05% 0.05% $5.00

1 APY= Annual Percentage Yield

Senate Money Market Share Learn More

Tier APY1 Dividend Rate Minimum Balance
$2,000 - $9,999 0.15% 0.15% $2,000.00
$10,000 - $19,999 0.15% 0.15% $10,000.00
$20,000 - $39,999 0.15% 0.15% $20,000.00
$40,000 - $74,999 0.15% 0.15% $40,000.00
$75,000 - $99,999 0.15% 0.15% $75,000.00
$100,000 - $149,999 0.15% 0.15% $100,000.00
$150,000 - $249,999 0.15% 0.15% $150,000.00
$250,000 - $499,999 0.15% 0.15% $250,000.00
$500,000 and over 0.15% 0.15% $500,000.00

1APY= Annual Percentage Yield

Share and Bump Rate Certificates

Smart Share Certificates (including IRA Certificates) Learn More

Term Type of Account APY1 Dividend Rate
60 months   $60,000 - $99,999 plus Jumbo 0.70% 0.70%
$20,000 - $59,999 0.70% 0.70%
less than $20,000 0.70% 0.70%
48 - 59 months   $60,000 - $99,999 plus Jumbo 0.70% 0.70%
$20,000 - $59,999 0.70% 0.70%
less than $20,000 0.70% 0.70%
36 - 47 months   $60,000 - $99,999 plus Jumbo 0.65% 0.65%
$20,000 - $59,999 0.65% 0.65%
less than $20,000 0.65% 0.65%
24 - 35 months   $60,000 - $99,999 plus Jumbo 0.60% 0.60%
$20,000 - $59,999 0.60% 0.60%
less than $20,000 0.60% 0.60%
12 - 23 months   $60,000 - $99,999 plus Jumbo 0.50% 0.50%
$20,000 - $59,999 0.50% 0.50%
less than $20,000 0.50% 0.50%
6 - 11 months   $60,000 - $99,999 plus Jumbo 0.30% 0.30%
$20,000 - $59,999 0.30% 0.30%
less than $20,000 0.30% 0.30%
3 - 5 months   $60,000 - $99,999 plus Jumbo 0.20% 0.20%
$20,000 - $59,999 0.20% 0.20%
less than $20,000 0.20% 0.20%

Minimum Balance: $1,000  |  Jumbo: $100,000 and up

1APY = Annual Percentage Yield

Early withdrawal penalties may apply. See Fee Schedule for more details.

Personal Bump Rate Certificate Learn More

Term Type of Account APY1 Dividend Rate
60 months $60,000 - $99,999 plus Jumbo 0.60% 0.60%
$20,000 - $59,999 0.60% 0.60%
less than $20,000 0.60% 0.60%
48 months $60,000 - $99,999 plus Jumbo 0.60% 0.60%
$20,000 - $59,999 0.60% 0.60%
less than $20,000 0.60% 0.60%
36 months $60,000 - $99,999 plus Jumbo 0.55% 0.55%
$20,000 - $59,999 0.55% 0.55%
less than $20,000 0.55% 0.55%

1APY = Annual Percentage Yield

Early withdrawal penalties may apply. See Fee Schedule for more details.

Loans

New Auto Loans Learn More

Terms Loan Amounts APR* Estimated Monthly Payment
Up to 36 months Maximum: $150,000 As low as** 1.99%*** As low as $286+
Up to 48 months Maximum: $150,000 As low as** 2.24%*** As low as $218+
Up to 60 months Maximum: $150,000 As low as** 2.49%*** As low as $177+
Up to 72 months Maximum: $150,000 As low as** 2.74%*** As low as $151+
84 months Maximum: $150,000 As low as** 2.99%*** As low as $132+

*APR = Annual Percentage Rate

** If eligible for all possible discounts

+Estimated monthly payment amount based on a new auto original loan balance of $10,000 and terms as stated.

Used Auto Loan Learn More

Terms Loan Amounts APR* Estimated Monthly Payment
Up to 36 months Maximum: $75,000 As low as** 1.99%*** As low as $143+
Up to 48 months Maximum: $75,000 As low as** 2.24%*** As low as $109+
Up to 60 months Maximum: $75,000 As low as** 2.49%*** As low as $89+
Up to 72 months Maximum: $75,000 As low as** 2.74%*** As low as $75+
84 months Maximum: $75,000 As low as** 2.99%*** As low as $66+

Models no older than 10 years

+Estimated monthly payment amount based on original used auto loan balance of $5,000 and terms as stated.

*APR = Annual Percentage Rate

** If eligible for all possible discounts

New Leisure Vehicle Loan Learn More

Terms Loan Amounts APR* Estimated Monthly Payment
Up to 36 months Maximum: $300,000 As low as** 4.99%*** As low as $749+
Up to 48 months Maximum: $300,000 As low as** 5.24%*** As low as $578+
Up to 60 months Maximum: $300,000 As low as** 5.49%*** As low as $477+
Up to 72 months Maximum: $300,000 As low as** 5.74%*** As low as $411+
Up to 84 months Maximum: $300,000 As low as** 5.99%*** As low as $365+
Up to 96 months Maximum: $300,000 As low as** 6.24%*** As low as $331+
Up to 120 months Maximum: $300,000 As low as** 6.49%*** As low as $284+

*APR = Annual Percentage Rate

** If eligible for all possible discounts .

+Estimated monthly payment amount based on original new leisure vehicle loan balance of $25,000 and terms as stated

Used Leisure Vehicle Loan Learn More

Terms Loan Amounts APR* Estimated Monthly Payment
Up to 36 months Maximum: $150,000 As low as** 4.99%*** As low as $749+
Up to 48 months Maximum: $150,000 As low as** 5.24%*** As low as $578+
Up to 60 months Maximum: $150,000 As low as** 5.49%*** As low as $477+
Up to 72 months Maximum: $150,000 As low as** 5.74%*** As low as $411+
Up to 84 months Maximum: $150,000 As low as** 5.99%*** As low as $365+
Up to 96 months Maximum: $150,000 As low as** 6.24%*** As low as $331+
Up to 120 months Maximum: $150,000 As low as** 6.49%*** As low as $284+

*APR = Annual Percentage Rate

** If eligible for all possible discounts 

+Estimated monthly payment amount based on original used leisure vehicle loan balance of $25,000 and terms as stated

Private Student Loans Learn More

Check the current Rates and Fees for USSFCU Private Student Loan:

View Student Loan Rates & Fees

Personal Loan Learn More

Terms Loan Amounts APR* Estimated Monthly Payment
Up to 24 months Minimum: $250
Maximum: $70,000		 As low as** 7.49%*** As low as $45+
Up to 36 months Minimum: $250
Maximum: $70,000		 As low as** 7.74%*** As low as $31+
Up to 48 months Minimum: $250
Maximum: $70,000		 As low as** 7.99%*** As low as $24+
Up to 60 months Minimum: $250
Maximum: $70,000		 As low as** 8.24%*** As low as $20+
Up to 72 months Minimum: $250
Maximum: $70,000		 As low as** 8.49%*** As low as $18+
Up to 84 months Minimum: $250
Maximum: $70,000		 As low as** 8.74%*** As low as $16+

*APR = Annual Percentage Rate

** If eligible for all possible discounts 

+Monthly payment amount based on an original loan amount of $1,000.00 and repayment terms as stated.

Bridge to Retirement Loan Learn More

Loan Terms Loan Amounts APR* Estimated Monthly Payment
Up to 36 months Minimum: $250
Maximum: $10,000		 5.49% As low as $31+

Available only to members employed by the Federal Government.

*APR = Annual Percentage Rate

Personal Lines of Credit Learn More

Loan Type Loan Amounts APR*
EasyLine Minimum: $100
Maximum: $1,000		 18.00%
PremierLine Minimum: $1,000
Maximum: $50,000		 9.75%1

1Variable periodic rate subject to change. The rate is determined by adding 6.50% (the "margin") to the highest Prime Rate as published in Money Rates Section of The Wall Street Journal in effect on the last day of each calendar quarter (the "index").

* APR = Annual Percentage Rate

Mortgage Loan Learn More

Due to frequency in Mortgage Rate* fluctuation, please see up to the minute rates located at the link below.

Mortage Rates

*Rates may change without notice and are not guaranteed.  A rate variance of .125% - .25% may occur between the reported rates and when it is processed during the application and credit report.

30 year term = 360 months and applies to 30 Yr. Conventional, FHA, VA and HomeReady loans. 15 year term = 180 months and applies to 15 Yr. Conventional loans. All loan programs, rates terms, and conditions are subject to change at any time without notice. Rate scenarios are based on a 30 day lock.

Homeowner Loan Learn More

Terms Loan Amounts Loan to Value (LTV) APR* Estimated Monthly Payment
Up to 120 Months Minimum: $7,500
Maximum: $70,000		 Up to 120% 7.25%1 $821.812

*APR = Annual Percentage Rate. Loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Not all applicants will qualify for the lowest rate. 

1 Adjustable rate loan (Prime +1.0%), rate subject to change. 

2 A Homeowner Loan with an original balance of $70,000 and a 120-month term with an APR of 7.25% totals a monthly payment of $821.81.

 

Home Improvement Plus Loan Learn More

Terms Loan Amounts Loan to Value (LTV) APR* Estimated Monthly Payment
Up to 180 Months Minimum: $7,500
Maximum: $70,000		 Up to 120%1 As low as 6.75%2 $619.442

*APR = Annual Percentage Rate. Loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Not all applicants will qualify for the lowest rate. 

1A Home Improvement loan with a loan-to-value ratio of 120%, an original balance of $70,000 and a 180-month term with an APR of 7.25% totals a monthly payment of $639.00. 

2 A Home Improvement Plus Loan with a loan-to-value ratio of 100%, an original balance of $70,000 and a 180-month term with and APR of 6.75% totals a monthly payment of 619.44.

 

Home Equity Loan Learn More

Terms Loan Amounts Loan to Value (LTV) APR* Estimated Monthly Payment+
Up to 60 Months Minimum: $7,500
Maximum: $750,000		 Up to 90% 4.88% $1,317.14
Up to 120 Months Minimum: $7,500
Maximum: $750,000		 Up to 90% 5.13% $746.91
Up to 180 Months Minimum: $7,500
Maximum: $750,000		 Up to 90% 5.38% $567.51

*APR = Annual Percentage Rate. All loans subject to credit approval. Rates are based on creditworthiness, income and debts. Not all applicants will qualify for the lowest rate. Loan amounts between $7,500 and $750,000. 

+A Home Equity Loan with an original balance of $70,000 and a 60-month term with an APR of 4.88% totals a monthly payment of 1,317.14. A Home Equity Loan with an original balance of $70,000 and a 120 month term with an APR of 5.13% totals a monthly payment of $746.91. A Home Equity Loan with an original balance of $70,000 and a 180-month term with an APR of 5.38% totals a monthly payment of $567.51.

 

Smart Line Home Equity Line of Credit

Rate APR*
Prime + 0% 3.25%

HELOC rates will not adjust until the 1st day of the billing cycle on the 15th of that month.

Variable interest rate subject to change quarterly. Rate equal to the WSJ Prime Rate in effect on the last day of each calendar quarter subject to a floor of 3.00%. Maximum APR is 18.00%.

FEES AND CHARGES: To open or maintain a home equity line of credit, you must pay certain fees to third parties. These fees generally range from $500.00 to $1,300.00. If you ask, we will give you an itemization of the fees you will have to pay to third parties.

LATE PAYMENT FEE: If your payment is more than 10 days late, you will be charged 5.00% of the payment due.

PROPERTY INSURANCE: You must carry insurance on the property that secures this plan.

 

Classic Line Home Equity Line of Credit

Rate APR*
Prime + 0% 3.25%

HELOC rates will not adjust until the 1st day of the billing cycle on the 15th of that month.

Variable interest rate subject to change quarterly. Rate equal to the WSJ Prime Rate in effect on the last day of each calendar quarter subject to a floor of 3.00%. Maximum APR is 18.00%.

FEES AND CHARGES: To open or maintain a home equity line of credit, you must pay certain fees to third parties. These fees generally range from $500.00 to $1,300.00. If you ask, we will give you an itemization of the fees you will have to pay to third parties.

LATE PAYMENT FEE: If your payment is more than 10 days late, you will be charged 5.00% of the payment due.

PROPERTY INSURANCE: You must carry insurance on the property that secures this plan.

Credit Cards Learn More

APR* Visa Smart Rate Visa Smart Rewards
For Purchases

8.25%.

This APR will vary with the market based on the Prime Rate(1).

9.25%.

This APR will vary with the market based on the Prime Rate (1).
For Balance Transfers

8.25%.

This APR will vary with the market based on the Prime Rate(1).

9.25%.

This APR will vary with the market based on the Prime Rate(1).
For Cash Advances

8.25%.

This APR will vary with the market based on the Prime Rate (1).

9.25%.

This APR will vary with the market based on the Prime Rate(1) .

(1) Variable Rate. Your account is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal ("Index") in effect on the last day of each calendar quarter plus our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the next billing cycle following the change. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make.

Set-up And Maintenance Fees
Document Copy Fee: $20 for each copy of a merchant draft

Transaction Fees
Foreign Transactions: 1% of the transaction amount.

Penalty Fees
Late Payment: Up to $35.00 if your payment is received after the due date
Returned Payment: Up to $35.00 for each returned payment.

*APR = Annual Percentage Rate

Business

Business Deposits

Product APY* Dividend Rate 
Business Savings 0.05% 0.05%
Non-dividend Bearing Accounts 0.00% 0.00%

*APY = Annual Percentage Yield

Business Money Market Learn More

Tier APY* Dividend Rate 
Tier I - $2,000-$9,999 0.05% 0.05%
Tier II - $10,000-$19,999 0.05% 0.05%
Tier III - $20,000 - $39,999 0.05% 0.05%
Tier IV - $40,000 - $74,999 0.05% 0.05%
Tier V - $75,000 - $99,999 0.05% 0.05%
Tier VI - $100,000 - $149,999 0.05% 0.05%
Tier VII - $150,000 - $249,999 0.05% 0.05%
Tier VIII - $250,000 - $499,999 0.05% 0.05%
Tier IX - > $500,000 0.05% 0.05%

*APY = Annual Percentage Yield

Business Share Certificates Learn More

Term Type of Account APY1 Dividend Rate
60 months   $60,000 - $99,999 plus Jumbo 0.60% 0.60%
$20,000 - $59,999 0.60% 0.60%
less than $20,000 0.60% 0.60%
48 - 59 months   $60,000 - $99,999 plus Jumbo 0.60% 0.60%
$20,000 - $59,999 0.60% 0.60%
less than $20,000 0.60% 0.60%
36 - 47 months   $60,000 - $99,999 plus Jumbo 0.55% 0.55%
$20,000 - $59,999 0.55% 0.55%
less than $20,000 0.55% 0.55%
24 - 35 months   $60,000 - $99,999 plus Jumbo 0.50% 0.50%
$20,000 - $59,999 0.50% 0.50%
less than $20,000 0.50% 0.50%
12 - 23 months   $60,000 - $99,999 plus Jumbo 0.40% 0.40%
$20,000 - $59,999 0.40% 0.40%
less than $20,000 0.40% 0.40%
6 - 11 months   $60,000 - $99,999 plus Jumbo 0.20% 0.20%
$20,000 - $59,999 0.20% 0.20%
less than $20,000 0.20% 0.20%
3 - 5 months   $60,000 - $99,999 plus Jumbo 0.10% 0.10%
$20,000 - $59,999 0.10% 0.10%
less than $20,000 0.10% 0.10%

Minimum Balance: $1,000

Early withdrawal penalties may apply. See fee schedule for more details.

*APY = Annual Percentage Yield

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.

- Richard · Washington, D.C.

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.

- Dennis · Washington, D.C.

USSFCU staff continues to be the best and always has my best interest.

- Mia · Brandywine, MD

The USSFCU has been an important part of my financial situation and has provided outstanding service.

- John · Reston, VA

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...

- Katie · Carlsbad, CA

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.

- Rochelle · Washington, D.C.

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...

- Penelope · Copper Hill, VA

Magnificent people, great help during the hard times.

- Ramy · Salt Lake, Utah

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.

- Craig · Alexandria, VA

Very personable, solution based and takes an interest in your situation.

- Reno · Temecula, CA

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

- Lawrence · Darnestown, MD

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

- Adrienne · Wethersfield, CT

The credit union provides relatively good services and the security updates to the system are noticeable.

- Ophelia · Alexandria, VA

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

- Linda · Powder Springs, GA

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

- Michael · Crofton, MD

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

- Salvador · Waldorf, MD

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.

- James · Locust Grove, GA

Great staff helping all the time. Just a very well run company always good service.

- Charles · Alexandria

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.

- Charles · Takoma Park, MD

Customer service via the phone is very helpful and easy to accomplish requests.

- Clarke · Alexandria, VA

Care about their clients and concerned about making sure they have the best rates and packages.

- George · Cape Coral, FL

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