SEGs

The Supreme Court of the United States

Supreme Court Officers and Staff are eligible to join U.S. Senate Federal Credit Union, along with their immediate family members.

Founded in 1935, USSFCU is a member-owned, not-for-profit financial institution committed to supporting your financial well-being. Members have access to everyday banking, lending solutions, and financial tools designed to support both short-term needs and long-term goals.

With secure digital banking and nationwide access to over 100,000 surcharge-free ATMs and 5,000 shared branches, you can manage your finances wherever life takes you.

As your Credit Union for Life, membership stays with you—no matter where your career or location changes.

Apply Now

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Why Choose USSFCU?

• Savings and Checking: Fee-free checking with no minimum balance requirements, along with savings options to help you build and manage your funds.

• Loans and Credit: Financing options for personal needs, vehicles, and homes, along with credit cards offering flexible terms and rewards.

• Mortgages and Home Financing: Solutions designed to support homeownership and refinancing goals.

• Financial Planning and Education: Access to financial guidance, educational resources, and tools to help you make informed decisions.

• Digital and Nationwide Access: Manage your finances anytime with online and mobile banking, and access your accounts across all 50 states through a network of over 100,000 surcharge-free ATMs and 5,000 shared branches.

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Not a USSFCU Member?

Getting started is simple. Open a primary savings account with a $5 deposit and a one-time $1 membership fee to establish your membership.

Apply Now

Start your membership online in just a few minutes, or contact the Member Services team at 800.374.2758 for assistance.

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The USSFCU Difference

Our mission at United States Senate Federal Credit Union is to provide innovative products, cutting-edge technology, and superior service to our members.

Stability

Being the official credit union that serves the U.S. Senate and the U.S. Supreme Court brings a lot of stability that most other financial institutions don’t enjoy. However, that is the floor for where our stability starts, and we have built on that for almost a century. Making measured decisions in regards to growth and expansion that ensures we grow at a healthy rate while incurring as little risk as possible has been a longstanding strategy for the credit union. This award-winning growth strategy will propel us over the $1 billion mark while keeping the best interest of our members at the center of all our decision-making.

Security

Because of who we serve it goes without saying that member security and protection of member data are of the utmost importance. We take extreme measures to ensure that our data security meets the highest levels and undergo rigorous testing to ensure that what we have in place is impermeable. Additionally, because threats are always changing so are our measures of protection. Our IT security team is constantly improving and increasing their knowledge to ensure we have the pieces in place to best protect our members from potential threats.

Service

Providing exceptional service is a longstanding tradition at USSFCU. Our members consistently rate USSFCU at 91% in Overall Satisfaction through our Members’ Voice satisfaction survey program.

Below is just one testimonial from a member…

“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 difference. Whether I call or email, I always get quick and reliable answers. Also, the financial products and services offered are great!”

• Joanne  •  Brooklyn, NY

Banks vs. Credit Unions >>

Credit Unions	Banks
At a credit union, the shareholder is a valued member and owner.	At a bank, the customer has no ownership interest in the institution. Banks are owned by investors, who may or may not be depositors.
Since credit union members are owners, each member, regardless of how much money they have on deposit, has one vote in electing board members. Members can also run for election to the board.	Banks are owned and controlled by stockholders, whose number of votes depends upon the number of shares owned. Customers do not have voting rights, cannot be elected to the board, and have no say in how their banks are operated.
Credit union boards are comprised of volunteers who reflect the diversity of their membership.	Bank board members are paid and do not necessarily reflect the diversity of their customer base.
Credit unions are local and organized to serve the interests of their membership.	Banks are open to the general public.
Credit unions are not-for-profit, cooperative organizations owned entirely by and operated for their memberships’ benefit. Earnings are paid back to members in the form of higher savings rates and lower loan rates.	Banks are for-profit corporations with declared earnings paid to stockholders only.
Credit unions focus on consumer loans, member savings, and services needed by their membership.	Banks focus on commercial loans and accounts plus services that generate significant income.
Credit unions cooperate with other credit unions and share resources to bring convenience and savings to their respective members. CU Service Centers and the CO-OP ATM Network are just two examples of this cooperation between credit unions.	Competition between banks prohibits the sharing of resources.
In the entire history of U.S. credit unions, taxpayer funds have never been used to bail out a credit union.	The Savings and Loan Crisis (and bailout) in the late 1980s into the 1990s and the more recent bank bailouts used taxpayer funds.
Credit union deposits are federally insured for up to $250,000 by the National Credit Union Administration (NCUA), an independent federal agency.	Bank deposit accounts are federally insured up to $250,000 by the Federal Deposit Insurance Corporation (FDIC), an independent federal agency.