Rates

Rates

Printable Rate Sheets

Personal Loan Rates  Dream Home Loan Rates  Savings Rates

Loan rates are effective as of 06/01/2025. Savings Rates are effective as of 07/01/2025.

For updated rate information, visit any USSFCU branch, send us a secure message using the Conversations feature from within myUSSFCU digital banking, or call 800.374.2758.

Checking/Savings

Savings and Checking

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 1.01% 1.00% $0.00

1 APY= Annual Percentage Yield

Money Market

Senate Money Market Share Learn More

Tier APY1 Dividend Rate Minimum Balance
$2,000 - $9,999 0.90% 0.90% $2,000.00
$10,000 - $19,999 0.95% 0.95% $10,000.00
$20,000 - $39,999 1.01% 1.00% $20,000.00
$40,000 - $74,999 1.06% 1.05% $40,000.00
$75,000 - $99,999 1.11% 1.10% $75,000.00
$100,000 - $149,999 1.16% 1.15% $100,000.00
$150,000 - $249,999 1.21% 1.20% $150,000.00
$250,000 - $499,999 1.26% 1.25% $250,000.00
$500,000 and over 1.31% 1.30% $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   $200,000 Plus Jumbo 3.82% 3.75%
$100,000 -$199,999 3.77% 3.70%
less than $99,999 3.72% 3.65%
48 months   $200,000 Plus Jumbo 3.77% 3.70%
$100,000 -$199,999 3.72% 3.65%
less than $99,999 3.67% 3.60%
36 months   $200,000 Plus Jumbo 3.72% 3.65%
$100,000 -$199,999 3.67% 3.60%
less than $99,999 3.61% 3.55%
24 months   $200,000 Plus Jumbo

3.67%

 3.60%
$100,000 -$199,999 3.61% 3.55%
less than $99,999 3.56% 3.50%
12 months   $200,000 Plus Jumbo 3.61% 3.55%
$100,000 -$199,999 3.56% 3.50%
less than $99,999 3.51% 3.45%
6 months   $200,000 Plus Jumbo 3.56% 3.50%
$100,000 -$199,999 3.51% 3.45%
less than $99,999 3.46% 3.40%
3 months   $200,000 Plus Jumbo 2.12% 2.10%
$100,000 -$199,999 2.07% 2.05%
less than $99,999 2.02% 2.00%

Minimum Balance: $1,000  |  Jumbo: $200,000 and up

Certificate Account Disclosure and Agreement

1 APY = Annual Percentage Yield. The APY assumes dividends will remain on deposit until maturity. The dividend period on your account begins from the date that your account is opened and ends on the maturity date unless renewed. The minimum balance required to open a share certificate is $1,000. You will earn dividends for every day during the period that your account equals or exceeds the minimum daily balance requirement. Early withdrawal penalties may apply. Changes without penalty are allowed ten days from the maturity date. Fees may reduce earnings. See Fee Schedule at ussfcu.org/fees for more details. 

For more information, or to open your certificate, visit any USSFCU branch, send us a secure message using the Conversations feature from within online banking, or call 800.374.2758.

Personal Bump Rate Certificate Learn More

Term Type of Account APY1 Dividend Rate
60 months $200,000 Plus Jumbo 3.72% 3.65%
$100,000 - $199,999 3.67% 3.60%
less than $99,999 3.61% 3.55%
48 months $200,000 Plus Jumbo 3.67% 3.60%
$100,000 - $199,999 3.61% 3.55%
less than $99,999 3.56% 3.50%
36 months $200,000 Plus Jumbo 3.61% 3.55%
$100,000 - $199,999 3.56% 3.50%
less than $99,999 3.51% 3.45%

 

1APY = Annual Percentage Yield

Bump-Rate Certificate Account Disclosure and Agreement

Early withdrawal penalties may apply. Fees may reduce earnings. See Fee Schedule at ussfcu.org/fees 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** 4.24*** As low as $296.36+
Up to 48 months Maximum: $150,000 As low as** 4.49%*** As low as $228.04+
Up to 60 months Maximum: $150,000 As low as** 4.79%*** As low as $187.57+
Up to 72 months Maximum: $150,000 As low as** 4.99%*** As low as $161.05+
84 months Maximum: $150,000 As low as** 5.24%***

As low as $142.51+

 

*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** 4.49%*** As low as $148.74+
Up to 48 months Maximum: $75,000 As low as** 4.74%*** As low as $114.59+
Up to 60 months Maximum: $75,000 As low as** 4.99%*** As low as $94.39+
Up to 72 months Maximum: $75,000 As low as** 5.24%*** As low as $81.11+
84 months Maximum: $75,000 As low as** 5.49%*** As low as $71.85+

 

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** 5.99%*** As low as $760.50+
Up to 48 months Maximum: $300,000 As low as** 6.24%*** As low as $589.96+
Up to 60 months Maximum: $300,000 As low as** 6.49%*** As low as $489.11+
Up to 72 months Maximum: $300,000 As low as** 6.74%*** As low as $423.19+
Up to 84 months Maximum: $300,000 As low as** 6.99%*** As low as $377.27+
Up to 96 months Maximum: $300,000 As low as** 7.24%*** As low as $343.92+
Up to 120 months Maximum: $300,000 As low as** 7.49%*** As low as $296.71+

 

*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** 6.49%*** As low as $766.18+
Up to 48 months Maximum: $150,000 As low as** 6.74%*** As low as $595.73+
Up to 60 months Maximum: $150,000 As low as** 6.99%*** As low as $495.00+
Up to 72 months Maximum: $150,000 As low as** 7.24%*** As low as $429.20+
Up to 84 months Maximum: $150,000 As low as** 7.49%*** As low as $383.42+
Up to 96 months Maximum: $150,000 As low as** 7.74%*** As low as $350.21+
Up to 120 months Maximum: $150,000 As low as** 7.99%*** As low as $303.28+

 

*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:

UNDERGRADUATE  GRADUATE  REFINANCE

 

Personal Loan Learn More

Terms Loan Amounts APR* Estimated Monthly Payment
Up to 24 months Minimum: $250
Maximum: $70,000		 As low as** 9.49%*** As low as $45.93+
Up to 36 months Minimum: $250
Maximum: $70,000		 As low as** 9.74%*** As low as $32.16+
Up to 48 months Minimum: $250
Maximum: $70,000		 As low as** 9.99%*** As low as $25.37+
Up to 60 months Minimum: $250
Maximum: $70,000		 As low as** 10.24%*** As low as $21.38+
Up to 72 months Minimum: $250
Maximum: $70,000		 As low as** 10.49%*** As low as $18.79+
Up to 84 months Minimum: $250
Maximum: $70,000

As low as** 11.24%***

 As low as $17.00+

*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 $30.20+

Available only to members employed by the Federal Government.

*APR = Annual Percentage Rate

Personal Lines of Credit Learn More

Loan Type Loan Amounts APR* Minimum Monthly Payment (when a balance exists)
EasyLine Minimum: $100
Maximum: $1,000		 18.00% Higher of $15 or 3% of the statement balance
PremierLine Minimum: $1,000
Maximum: $50,000		 14.00%1 Higher of $10 or 2.25% of the statement balance

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

Fees may apply. View a complete listing of fees at ussfcu.org/fees.

 

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.

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 80%1 As low as 8.00%2 $669.212
Up to 180 Months Minimum: $7,500
Maximum: $70,000		 Up to 80.01%- 90%1 As low as 8.25%2 $679.372
Up to 180 Months Minimum: $7,500
Maximum: $70,000		 Up to 90.01% - 100%1 As low as 8.50%2 $689.602
Up to 180 Months Minimum: $7,500
Maximum: $70,000		 Up to 100.01% -  110%1 As low as 9.00%2 $710.292

*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. 

A Home Improvement Plus loan with an original balance of $70,000 and a 180 –month term with an APR of 8.00% (LTV up to 80%) totals a monthly payment of $668.96.

A Home Improvement Plus loan with an original balance of $70,000 and a 180 –month term with an APR of 8.25% (LTV up to 90%) totals a monthly payment of $679.10.

A Home Improvement Plus loan with an original balance of $70,000 and a 180 –month term with an APR of 8.50% (LTV up to 100%) totals a monthly payment of $689.32.

A Home Improvement Plus loan with an original balance of $70,000 and a 180 –month term with an APR of 9.00% (LTV up to 110%) totals a monthly payment of $709.99. 

Home Equity Loan Learn More

Terms Loan Amounts Loan to Value (LTV) APR* Estimated Monthly Payment
Up to 60 Months

Minimum: $400,001

Maximum: $500,000

 Up to 80% 6.63% $8,833.50++
 

Minimum: $7,500

Maximum: $400,000

 Up to 90% 7.38% $1,398.91+
Up to 120 Months

Minimum: $400,001

Maximum: $500,000

 Up to 80% 6.88% $5,198.80++
 

Minimum: $7,500

Maximum: $400,000

 Up to 90% 7.63% $835.90+
Up to 180 Months

Minimum: $400,001

Maximum: $500,000

 Up to 80% 7.13% $4,078.91++
 

Minimum: $7,500

Maximum: $400,000

 Up to 90% 7.88%

$664.37+

 

*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 $500,000. 

+ Home Equity loans with an LTV of 90%  use an original balance of $70,000

++ Home Equity loans with an LTV of 80% use an original balance of $450,000.

 

Smart Line Home Equity Line of Credit

Rate APR*
Prime + 0% 7.50%

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.

Other fees may apply. View fee schedule at ussfcu.org/fees.

Classic Line Home Equity Line of Credit

Rate APR*
Prime + 0% 7.50%

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 not received by the payment due date, you will be charged 5.00% of the payment due.

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

Other fees may apply. View fee schedule at ussfcu.org/fees.

Credit Cards Learn More

APR* Visa Smart Rate Visa Smart Rewards
For Purchases

12.50

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

13.50%

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

12.50%

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

13.50%

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

12.50%

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

13.50%.

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.

Other fees may apply. View fee schedule at ussfcu.org/fees.

*APR = Annual Percentage Rate

Business

Business Deposits

Product APY* Dividend Rate 
Business Savings 0.10% 0.10%
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 .90% 0.90%
Tier II - $10,000-$19,999 .95% 0.95%
Tier III - $20,000 - $39,999 1.01% 1.00%
Tier IV - $40,000 - $74,999 1.06% 1.05%
Tier V - $75,000 - $99,999 1.11% 1.10%
Tier VI - $100,000 - $149,999 1.16% 1.15%
Tier VII - $150,000 - $249,999 1.21% 1.20%
Tier VIII - $250,000 - $499,999 1.26% 1.25%
Tier IX - > $500,000 1.31% 1.30%

*APY = Annual Percentage Yield

Business Share Certificates Learn More

Term Type of Account APY1 Dividend Rate
60 months   $200,000 Plus Jumbo 3.82% 3.75%
$100,000 - $199,999 3.77% 3.70%
less than $99,999 3.72% 3.65%
48 months   $200,000 Plus Jumbo 3.77% 3.70%
$100,000 - $199,999 3.72% 3.65%
less than $99,999 3.67% 3.60%
36 months   $200,000 Plus Jumbo 3.72% 3.65%
$100,000 - $199,999 3.67% 3.60%
less than $99,999 3.61% 3.55%
24 months   $200,000 Plus Jumbo 3.67% 3.60%
$100,000 - $199,999 3.61% 3.55%
less than $99,999 3.56% 3.50%
12 months   $200,000 Plus Jumbo 3.61% 3.55%
$100,000 - $199,999 3.56% 3.50%
less than $99,999 3.51% 3.45%
6 months   $200,000 Plus Jumbo

3.56%

 3.50%
$100,000 - $199,999 3.51% 3.45%
less than $99,999 3.46% 3.40%
3 months   $200,000 Plus Jumbo 2.12% 2.10%
$100,000 - $199,999 2.07% 2.05%
less than $99,999 2.02% 2.00%

Minimum Balance: $1,000

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

*APY = Annual Percentage Yield

Business Bump Rate Certificates Learn More

Term Type of Account APY1 Dividend Rate
60 Months $200,000 Plus Jumbo 3.72% 3.65%
$100,000 - $199,999 3.67% 3.60%
Less than $99,999 3.61% 3.55%
48 Months $200,000 Plus Jumbo 3.67% 3.60%
$100,000 - $199,999 3.61% 3.55%
Less than $99,999 3.56%

3.50%
36 Months $200,000 Plus Jumbo 3.61% 3.55%
$100,000 - $199,999 3.56% 3.50%
Less than $99,999 3.51% 3.45%

 

1APY = Annual Percentage Yield

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

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.