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Rates

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

Financial Institution New Auto Loans*

up to 72 Month Term
Base Rate

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  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.

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 0.10% 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

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

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 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.

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

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. 

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

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

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

Members' Voice Testimonials

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

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

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.

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 ...

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

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.

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

Read More testimonials.
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