Rates

Compare how USSFCU Savings Rates Stack Up Against the Competition.

Financial Institution	Primary Savings	Money Markets	5 Year Certificates
USSFCU	0.35% APY	0.96% APY	3.01% APY
Congressional FCU	0.15% APY	0.70% APY	2.30% APY
Library of Congress FCU	0.10% APY	0.70% APY	2.52% APY
Bank of America	0.06% APY	0.02% APY	0.75% APY
Citibank	0.13% APY	0.01% APY	0.80% APY
Wells Fargo	0.01% APY	0.05% APY	1.55% APY
Call 800.374.2758 or email services@ussfcu.org to take advantage of these great rates.
APY=Annual Percentage Yield. Comparison rates are based on information retrieved from each individual institution's website as of 4/09/2018.

USSFCU rates effective as of April 1, 2018 and subject to change without notice. Fees may reduce earnings.

Savings/Checking

Savings, Checking and Money Market

Type of Account	APY¹	Dividend Rate	Minimum Balance
Gold Source Checking Share	0.30%	0.30%	$2,000.00
Primary Savings Share	0.35%	0.35%	$5.00
Youth Savings Share	0.35%	0.35%	$5.00
Holiday Club Savings Share	0.35%	0.35%	$5.00
ROTH, Traditional & SEP IRA Savings	0.46%	0.46%	$5.00

Type of Account	APY¹	Dividend Rate	Minimum Balance
$2,000 - $ 9,999	0.56%	0.56%	$2,000.00
$10,000 - $19,999	0.61%	0.61%	$10,000.00
$20,000 - $39,999	0.66%	0.66%	$20,000.00
$40,000 - $74,999	0.71%	0.71%	$40,000.00
$75,000 - $99,999	0.76%	0.76%	$75,000.00
$100,000 - $149,999	0.81%	0.81%	$100,000.00
$150,000 - $249,999	0.86%	0.86%	$150,000.00
$250,000 - $499,999	0.91%	0.91%	$250,000.00
$500,000 and over	0.96%	0.96%	$500,000.00

Share and Bump Rate Certificates

Minimum Balance: $1,000

Term	Type of Account	APY¹	Dividend Rate
60 months	$60,000 - $99,999 plus Jumbo	3.01%	2.97%
60 months	$20,000 - $59,999	2.95%	2.91%
60 months	less than $20,000	2.89%	2.85%
48 - 60 months	$60,000 - $99,999 plus Jumbo	2.51%	2.48%
48 - 60 months	$20,000 - $59,999	2.45%	2.42%
48 - 60 months	less than $20,000	2.39%	2.36%
36 - 48 months	$60,000 - $99,999 plus Jumbo	2.15%	2.13%
36 - 48 months	$20,000 - $59,999	2.09%	2.07%
36 - 48 months	less than $20,000	2.03%	2.01%
24 - 36 months	$60,000 - $99,999 plus Jumbo	1.88%	1.86%
24 - 36 months	$20,000 - $59,999	1.83%	1.81%
24 - 36 months	less than $20,000	1.78%	1.76%
12 - 24 months	$60,000 - $99,999 plus Jumbo	1.67%	1.66%
12 - 24 months	$20,000 - $59,999	1.62%	1.61%
12 - 24 months	less than $20,000	1.57%	1.56%
6 - 12 months	$60,000 - $99,999 plus Jumbo	1.20%	1.19%
6 - 12 months	$20,000 - $59,999	1.16%	1.15%
6 - 12 months	less than $20,000	1.12%	1.11%
3 - 6 months	$60,000 - $99,999 plus Jumbo	0.75%	0.75%
3 - 6 months	$20,000 - $59,999	0.70%	0.70%
3 - 6 months	less than $20,000	0.65%	0.65%

¹APY = Annual Percentage Yield

²Early withdrawal penalties may apply. See Fee Schedule for more details.

Personal Bump Rate Certificate ²See Details

Term	Type of Account	APY¹	Dividend Rate
60 months	$60,000 - $99,999 plus Jumbo	2.81%	2.77%
60 months	$20,000 - $59,999	2.75%	2.71%
60 months	less than $20,000	2.69%	2.65%
48 months	$60,000 - $99,999 plus Jumbo	2.36%	2.33%
48 months	$20,000 - $59,999	2.30%	2.27%
48 months	less than $20,000	2.23%	2.21%
36 months	$60,000 - $99,999 plus Jumbo	2.05%	2.03%
36 months	$20,000 - $59,999	1.99%	1.97%
36 months	less than $20,000	1.93%	1.91%

¹APY = Annual Percentage Yield

²Early withdrawal penalties may apply. See Fee Schedule for more details.

Loans

New Auto Loan See Details

Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 48 months	Maximum: $150,000	As low as 1.99%*	As low as $22⁺
Up to 60 months	Maximum: $150,000	As low as 2.25%*	As low as $18⁺
Up to 72 months	Maximum: $150,000	As low as 2.74%*	As low as $16⁺
84 months	Maximum: $150,000	As low as 3.29%*	As low as $14⁺

Used Auto Loan See Details

Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 48 months	Maximum: $75,000	As low as 1.99%*	As low as $22⁺
Up to 60 months	Maximum: $75,000	As low as 2.25%*	As low as $18⁺
Up to 72 months	Maximum: $75,000	As low as 2.74%*	As low as $16⁺

Models no older than 10 years

New Recreational Vehicle Loan See Details

Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 60 months	Maximum: $300,000	As low as 5.24%*	As low as $19⁺
Up to 84 months	Maximum: $300,000	As low as 5.75%*	As low as $15⁺
Up to 120 months	Maximum: $300,000	As low as 7.74%*	As low as $12⁺

Used Recreational Vehicle Loan See Details

Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 60 months	Maximum: $150,000	As low as 5.24%*	As low as $19⁺
Up to 84 months	Maximum: $150,000	As low as 6.24%*	As low as $15⁺
Up to 120 months	Maximum: $150,000	As low as 8.24%*	As low as $13⁺

Private Student Loans See Details

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

Student Loan Rates & Fees

Personal Loan See Details

Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 36 months	Minimum: $250 Maximum: $70,000	As low as 7.49%*	As low as $31⁺
Up to 48 months	Minimum: $250 Maximum: $70,000	As low as 8.49%*	As low as $25⁺
Up to 60 months	Minimum: $250 Maximum: $70,000	As low as 9.49%*	As low as $21⁺
Up to 72 months	Minimum: $250 Maximum: $70,000	As low as 9.99%*	As low as $19⁺
Up to 84 months	Minimum: $250 Maximum: $70,000	As low as 10.49%*	As low as $17⁺

Bridge to Retirement Loan See Details

Available only to members employed by the Federal Government.

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

Personal Lines of Credit See Details

Loan Type	Loan Amounts	APR*
EasyLine	Minimum: $100 Maximum: $1,000	18.00%
SenateLine	Minimum: $250 Maximum: $5,000	13.50%¹
PremierLine	Minimum: $5,000 Maximum: $50,000	11.50%²

¹Variable periodic rate subject to change. The rate is determined by adding 9.0% (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").

²Variable periodic rate subject to change. The rate is determined by adding 7.0% (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").

Mortgage Loan See Details

FHA 30 Yr. Fixed	APR*	Points	Payment
4.250%	5.037%	0 + 0.000pts	$800.88
VA 30 Yr. Fixed
4.375%	4.573%	0 + 0.000pts	$808.84
Conventional 30 Yr. Fixed
4.750%	4.844%	0 + 0.000pts	$834.64
Conventional 15 Yr. Fixed
4.125%	4.285%	0 + 0.000pts	$1,193.55

*APR = Annual Percentage Rate.

All stated rates are effective as of April 17, 2018 and are based on a home purchase transaction of $200,000, a minimum down payment of $40,000, 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. 30 year term = 360 months and applies to 30 year conventional, FHA, and VA loans. 15 year term = 180 months and applies to 15 year 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 See Details

Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 120 Months	Minimum: $7,500 Maximum: $70,000	7.25%³	As low as $12⁺

³ Adjustable rate loan (Prime +1.0%), rate subject to change.

Home Improvement Plus Loan See Details

Terms	Loan Amounts	APR*	Estimated Monthly Payment
72 Months	Minimum: $7,500 Maximum: $70,000	7.50%	As low as $129.68
From 73 to 96 Months	Minimum: $7,500 Maximum: $70,000	8.00%	As low as $106.03
From 97 to 120 Months	Minimum: $7,500 Maximum: $70,000	8.50%	As low as $92.99
From 121 to 144 Months	Minimum: $7,500 Maximum: $70,000	9.00%	As low as $85.35
From 145 to 180 Months	Minimum: $7,500 Maximum: $70,000	9.00%	As low as $76.07

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 loan with an original balance of $25,000 and a 72-month term with an APR of 7.50% totals a monthly payment of $432.25 and a 180-month term with an APR of 9.00% totals a monthly payment of $253.57. Rates effective as of April 1, 2018.

Home Equity Loan See Details

Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 60 Months	Minimum: $7,500 Maximum: $750,000	4.88%	As low as $19⁺
From 61 to 120 Months	Minimum: $7,500 Maximum: $750,000	5.13%	As low as $19 to $11⁺
From 121 to 180 Months	Minimum: $7,500 Maximum: $750,000	5.38%	As low as $11 to $9⁺

Smart Line Home Equity Line of Credit

	APR*
Prime + 0%	4.50%

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

	APR*
Prime + 0%	4.50%

Credit Cards See Details

APR*	Visa Smart Rate	Visa Smart Rewards
For Purchases	9.50%. This APR will vary with the market based on the Prime Rate⁽¹⁾.	10.50%. This APR will vary with the market based on the Prime Rate ⁽¹⁾.
For Balance Transfers	9.50%. This APR will vary with the market based on the Prime Rate⁽¹⁾.	10.50%. This APR will vary with the market based on the Prime Rate⁽¹⁾ .
For Cash Advances	9.50%. This APR will vary with the market based on the Prime Rate ⁽¹⁾.	10.50%. 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.

*APR = Annual Percentage Rate
** If eligible for all possible discounts including maximum Classic or Gold Collection discount.
***If you are approved for credit, your annual percentage rate and/or credit limit will depend on your credit history, income, and debts. Rates are based on the borrower's creditworthiness and not all borrowers will receive the lowest rate.

Business

Business Deposits

Product	APY*	Dividend Rate
Business Savings	0.20%	0.20%
Non-Interest Bearing Accounts	0.00%	0.00%

Business Money Market See Details

Tier	APY*	Dividend Rate
Tier I - $2,000-$9,999	0.26%	0.26%
Tier II - $10,000-$19,999	0.31%	0.31%
Tier III - $20,000 - $39,999	0.36%	0.36%
Tier IV - $40,000 - $74,999	0.41%	0.41%
Tier V - $75,000 - $99,999	0.46%	0.46%
Tier VI - $100,000 - $149,999	0.51%	0.51%
Tier VII - $150,000 - $249,999	0.54%	0.54%
Tier VIII - $250,000 - $499,999	0.57%	0.57%
Tier IX - > $500,000	0.60%	0.60%

Minimum Balance: $1,000

Terms	Type of Account	APY*	Dividend Rate
3-6 months	less than $20,000	0.55%	0.55%
3-6 months	$20,000-$59,999	0.60%	0.60%
3-6 months	$60,000-$99,999 plus Jumbo	0.65%	0.65%
6-12 months	less than $20,000	1.02%	1.01%
6-12 months	$20,000-$59,999	1.06%	1.05%
6-12 months	$60,000-$99,999 plus Jumbo	1.10%	1.09%
12-24 months	less than $20,000	1.47%	1.46%
12-24 months	$20,000-$59,999	1.52%	1.51%
12-24 months	$60,000-$99,999 plus Jumbo	1.57%	1.56%
24-36 months	less than $20,000	1.67%	1.66%
24-36 months	$20,000-$59,999	1.72%	1.71%
24-36 months	$60,000-$99,999 plus Jumbo	1.78%	1.76%
36-48 months	less than $20,000	1.88%	1.86%
36-48 months	$20,000-$59,999	1.94%	1.92%
36-48 months	$60,000-$99,999 plus Jumbo	2.00%	1.98%
48-60 months	less than $20,000	2.18%	2.16%
48-60 months	$20,000-$59,999	2.24%	2.22%
48-60 months	$60,000-$99,999 plus Jumbo	2.31%	2.28%
60 months	less than $20,000	2.63%	2.60%
60 months	$20,000-$59,999	2.70%	2.66%
60 months	$60,000-$99,999 plus Jumbo	2.76%	2.72%

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

*APY = Annual Percentage Yield