Rates
Compare how USSFCU's Rates Stack Up Against the Competition.
| Financial Institution | New Auto Loans*
up to 72 Month Term |
Home Equity Loan 15yr* |
Rewards Credit Cards1 |
|---|---|---|---|
| USSFCU | 3.24% APR | 5.38% APR | 10.75%2 APR |
| Congressional FCU | 3.79% APR | 5.53% APR | 13.65% APR |
| Pentagon FCU | 3.99% APR | N/A | 11.74% APR |
| Capital One | 3.85% APR |
N/A |
14.49% APR |
| TD Bank | N/A | 7.60% APR | 14.49% APR |
| PNC Bank | 3.79% APR | 5.49% APR | 11.74% APR |
Call 800.374.2758 or email [email protected] to take advantage of these great rates.
APR=Annual Percentage Rate. Comparison rates are based on information retrieved from SNL Financial as of 3/10/2020. *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 Rate Sheet Savings Rate Sheet
Loan rates are effective as of 04/01/2020. Savings Rates are effective as of 03/20/2020.
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 | 0.10% | 0.10% | $5.00 |
| Youth Savings Share | 0.10% | 0.10% | $5.00 |
| Holiday Club Savings Share | 0.10% | 0.10% | $5.00 |
| ROTH, Traditional & SEP IRA Savings | 0.25% | 0.25% | $5.00 |
1 APY= Annual Percentage Yield
Senate Money Market Share Learn More
| Tier | APY1 | Dividend Rate | Minimum Balance |
| $2,000 - $9,999 | 0.26% | 0.26% | $2,000.00 |
| $10,000 - $19,999 | 0.31% | 0.31% | $10,000.00 |
| $20,000 - $39,999 | 0.36% | 0.36% | $20,000.00 |
| $40,000 - $74,999 | 0.41% | 0.41% | $40,000.00 |
| $75,000 - $99,999 | 0.45% | 0.45% | $75,000.00 |
| $100,000 - $149,999 | 0.45% | 0.45% | $100,000.00 |
| $150,000 - $249,999 | 0.45% | 0.45% | $150,000.00 |
| $250,000 - $499,999 | 0.45% | 0.45% | $250,000.00 |
| $500,000 and over | 0.45% | 0.45% | $500,000.00 |
1APY= Annual Percentage Yield
Smart Share Certificates (including IRA Certificates) Learn More
| Term | Type of Account | APY1 | Dividend Rate |
| 60 months | $60,000 - $99,999 plus Jumbo | 1.11% | 1.10% |
| $20,000 - $59,999 | 1.11% | 1.10% | |
| less than $20,000 | 1.11% | 1.10% | |
| 48 - 59 months | $60,000 - $99,999 plus Jumbo | 1.11% | 1.10% |
| $20,000 - $59,999 | 1.11% | 1.10% | |
| less than $20,000 | 1.11% | 1.10% | |
| 36 - 47 months | $60,000 - $99,999 plus Jumbo | 1.11% | 1.10% |
| $20,000 - $59,999 | 1.11% | 1.10% | |
| less than $20,000 | 1.11% | 1.10% | |
| 24 - 35 months | $60,000 - $99,999 plus Jumbo | 1.11% | 1.10% |
| $20,000 - $59,999 | 1.06% | 1.05% | |
| less than $20,000 | 1.01% | 1.00% | |
| 12 - 23 months | $60,000 - $99,999 plus Jumbo | 1.01% | 1.00% |
| $20,000 - $59,999 | 0.95% | 0.95% | |
| less than $20,000 | 0.90% | 0.90% | |
| 6 - 11 months | $60,000 - $99,999 plus Jumbo | 0.89% | 0.89% |
| $20,000 - $59,999 | 0.85% | 0.85% | |
| less than $20,000 | 0.81% | 0.81% | |
| 3 - 5 months | $60,000 - $99,999 plus Jumbo | 0.40% | 0.40% |
| $20,000 - $59,999 | 0.35% | 0.35% | |
| less than $20,000 | 0.30% | 0.30% |
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 | 1.01% | 1.00% |
| $20,000 - $59,999 | 1.01% | 1.00% | |
| less than $20,000 | 1.01% | 1.00% | |
| 48 months | $60,000 - $99,999 plus Jumbo | 1.01% | 1.00% |
| $20,000 - $59,999 | 1.01% | 1.00% | |
| less than $20,000 | 1.01% | 1.00% | |
| 36 months | $60,000 - $99,999 plus Jumbo | 1.01% | 1.00% |
| $20,000 - $59,999 | 1.01% | 1.00% | |
| less than $20,000 | 1.01% | 1.00% |
1APY = Annual Percentage Yield
Early withdrawal penalties may apply. See Fee Schedule for more details.
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:
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
| Loan Type | Rate | APR* | Points | Payment |
| FHA 30 Yr. Fixed | 3.375% | 4.435%*** | 0 + 0.000pts | $868.18 |
| VA 30 Yr. Fixed | 3.375% | 3.562% | 0 + 0.000pts | $716.20 |
| Conventional 30 Yr. Fixed | 4.000% | 4.090% | 0 + 0.000pts | $763.86 |
| Conventional 15 Yr. Fixed | 3.375% | 3.532% | 0 + 0.000pts | $1,134.02 |
| HomeReady 30 Yr. Fixed | 4.000% | 4.487** | 0 + 0.000pts | $926.19 |
*APR = Annual Percentage Rate. Rates are effective as of 12/10/19 and are based on a home purchase transaction of $200,000, include a down payment of $40,000 and a loan amount of $160,000 and repayment term as stated. Payments are estimated on a monthly basis and include principal and interest only. They do not include taxes and insurance which make the actual total payment obligation greater. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors.
**Rate based on a home purchase transaction of $200,000 include a down payment of $6,000 and a loan amount of $194,000 and repayment terms as stated.
***Rate based on a home purchase transaction of $200,000 include a down payment of $7,000 and a loan amount of $193,000 and repayment terms as stated.
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.
Rates effective as of October 1,2018.
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.
Rates effective as of November 1, 2018.
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.
Rates effective as of October 1, 2018.
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 |
9.75%. This APR will vary with the market based on the Prime Rate(1). |
10.75%. This APR will vary with the market based on the Prime Rate (1). |
| For Balance Transfers |
9.75%. This APR will vary with the market based on the Prime Rate(1). |
10.75%. This APR will vary with the market based on the Prime Rate(1). |
| For Cash Advances |
9.75%. This APR will vary with the market based on the Prime Rate (1). |
10.75%. 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 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 | 0.06% | 0.06% |
| Tier IV - $40,000 - $74,999 | 0.11% | 0.11% |
| Tier V - $75,000 - $99,999 | 0.16% | 0.16% |
| Tier VI - $100,000 - $149,999 | 0.21% | 0.21% |
| Tier VII - $150,000 - $249,999 | 0.24% | 0.24% |
| Tier VIII - $250,000 - $499,999 | 0.27% | 0.27% |
| Tier IX - > $500,000 | 0.30% | 0.30% |
*APY = Annual Percentage Yield
Business Share Certificates Learn More
| Term | Type of Account | APY1 | Dividend Rate |
| 60 months | $60,000 - $99,999 plus Jumbo | 1.11% | 1.10% |
| $20,000 - $59,999 | 1.11% | 1.10% | |
| less than $20,000 | 1.11% | 1.10% | |
| 48 - 59 months | $60,000 - $99,999 plus Jumbo | 1.11% | 1.10% |
| $20,000 - $59,999 | 1.11% | 1.10% | |
| less than $20,000 | 1.11% | 1.10% | |
| 36 - 47 months | $60,000 - $99,999 plus Jumbo | 1.11% | 1.10% |
| $20,000 - $59,999 | 1.11% | 1.10% | |
| less than $20,000 | 1.11% | 1.10% | |
| 24 - 35 months | $60,000 - $99,999 plus Jumbo | 1.11% | 1.10% |
| $20,000 - $59,999 | 1.06% | 1.05% | |
| less than $20,000 | 1.01% | 1.00% | |
| 12 - 23 months | $60,000 - $99,999 plus Jumbo | 1.01% | 1.00% |
| $20,000 - $59,999 | 0.95% | 0.95% | |
| less than $20,000 | 0.90% | 0.90% | |
| 6 - 11 months | $60,000 - $99,999 plus Jumbo | 0.89% | 0.89% |
| $20,000 - $59,999 | 0.85% | 0.85% | |
| less than $20,000 | 0.81% | 0.81% | |
| 3 - 5 months | $60,000 - $99,999 plus Jumbo | 0.40% | 0.40% |
| $20,000 - $59,999 | 0.35% | 0.35% | |
| less than $20,000 | 0.30% | 0.30% |
Minimum Balance: $1,000
Early withdrawal penalties may apply. See fee schedule for more details.
*APY = Annual Percentage Yield