Skip to content

U.S. Commission on International Religious Freedom

US Virtual Embassy, Venezuela

Employees of the U.S. Commission on International Religious Freedom are automatically eligible for USSFCU membership.


By becoming a USSFCU member, you automatically become a part of an established organization that has been serving the U.S. Senate Community and Federal Government for over 85 years. 

When you choose USSFCU as your financial institution, you are not just a customer—you are a valued member and owner. We are committed to providing you with a safe and convenient place to do all your financial activities and an easier, more economical way to borrow. Our full-service financial organization is available to assist you with the many banking and financial needs you may have.

Why Choose USSFCU?

A credit union is a member-owned financial cooperative, controlled by its members and operated for their benefit. Since credit unions are not-for-profit organizations, all profits are returned back to the membership in the form of fewer service fees, higher savings rates, and lower interest rates on loans

It Pays to Be a USSFCU Member

It shouldn’t cost money to do your banking. Become a USSFCU member and make us your primary financial institution. You’ll save money and can access your account, complete your everyday banking tasks, and utilize all of our products and services from anywhere in the country.

GET UP TO $200 BY JOINING USSFCU.

For a limited time only, new members are eligible to earn up to $200 in bonus rewards! 

Get Started  >>

*Must use promo code “BONUS” when completing application for membership. Other terms and conditions apply. Learn more at ussfcu.org/bonus.

Become a USSFCU Member

Become a member for life by opening a savings account with a minimum balance of $5.00 and paying the one-time membership fee of $1.00.* Applying is simple and can be done completely online.

Bank from Virtually Anywhere

USSFCU gives you the ability to do most of your banking tasks 24-hours a day, seven days a week from virtually anywhere. Access thousands of surcharge-free ATMs and shared branches throughout the U.S. and the rest of the world.  

Enjoy the Benefits of Membership:

  • Free Checking with no setup or service fees & low minimum balance requirements.

 

  • Access your directly deposited paychecks up to 3-days early when you enroll in USSFCU’s Early Direct Deposit.

 

  • Lower loan service and origination fees and members who participate in certain ancillary services are eligible to pay even less through our Relationship Discount Program.

 

 

 

 

 

  •  Best Life Learning, USSFCU’s financial education center, is full of things you'll need to know “money-wise” in order to make your best life dreams a reality. 

Use Mobile & Online Banking:

 

 

 

  • Make safe, contactless purchases by loading your USSFCU debit and credit cards to Mobile Wallet.

 

  • Control your USSFCU cards with MyCardRules. Turn your card on or off, set transaction limits and parental controls, get instant alerts, and more.

 

  • Through credit union CO-OP services you’ll have access to more branches & surcharge-free ATMs than most big bank customers do.

100,000 ATMs

5,600 Shared Branches

 

  • On-site branch access at our Senate location, Hart (SH-118), full-service USSFCU ATMs throughout the Capitol, and additional USSFCU branches in Washington D.C. and Virginia. 

Join Us Today! 

Applying is simple and lifetime membership is $6.

Click "Apply Now" to begin your membership application or call Member Services at 800.374.2758.

Apply Now

If you would like to visit our branch in the Hart Senate Office Building, please visit ussfcu.org/BranchAppointments.

{beginAccordion h3}

Our History

Providing Full Service Financial Solutions to the Senate Community Since 1935.

On October 8, 1935, at the height of the Great Depression, nine United States Senate employees pooled their resources and chartered the United States Senate Federal Credit Union with just $45.00. Their goal was to create an organization that would provide equal financial opportunity to everyone in the U.S. Senate community. Therefore, anyone who was employed by the U.S. Senate, whether a committee member, staffer, Senate Member, custodian etc., would be afforded equal access to the same financial services and resources.

“The success of our Credit Union reflects the wisdom, diligence and dedication of a great number of people from the Senate community and deserves the support of every Member and employee of the Senate, the Architect of the Capitol and the Supreme Court.”

Senator Richard Lugar (R-IN), 1977–2013

Stability

Being the official credit union that serves the U.S. Senate brings a lot of stability that most other financial institutions don’t enjoy. However, that is the floor 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 is of the utmost importance. We go to extreme measures to ensure that our data security meets the highest levels and undergoes rigorous testing to ensure 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.

Senate Community Testimonials:

Opening a USSFCU account was one of the very first things I did when I started working on Capitol Hill 20 years ago and I’ve never looked back. It’s my primary bank account to this day.

- Jeffrey L. 20 Years of Membership

I joined right after college after accepting my first job in the USS; now 26 years later, I’m still a member and so happy with your products and service! Congratulations on 85 years of doing right by your members!

- John R. 26 Years of Membership

I began my first Senate job on May 1, 1971, and joined USSFCU that same day. I have received spectacular member service during the nearly half a century since then. USSFCU never fails to excel.

- Kenneth D. 50 Years of Membership

Thank you for providing such great service to all of us who have worked for the U.S. Senate. Having a credit union devoted to our financial care is appreciated. Here's to 85 additional years!

- Lisa C. 20 Years of Membership

I have been a member since I began working for Senator Alan Cranston (Democrat from California) in 1982. Although I left the Senate when Senator Cranston left office, I have remained a member of the United States Senate Federal Credit to this day. I have had nothing but positive service from USSFCU and will continue to do all my banking with them. I love USSFCU.

- Loretta M. 38 Years of Membership

I was a senate page and messenger for the sergeant of arms when I was 15. 43 years later I'm still a member. I could find no better place to bank despite overseas military service.

- Mike W. 43 Years of Membership

When I became part of the Senate staff it was clear many new doors would open. One, to ussfcu, has remained so for many (about 5o or more) years, helping us through small and larger problems, We have used, enjoyed, and appreciated their services.

- Robert H. 50 Years of Membership

The credit union was opened 5 years before my father came to Washington, DC to work for the GPO. He became the Senate Printing Clerk in 1971 and joined the USSFCU. In 1987 he sponsored his children and grandchildren to join and we've all appreciated the sound financial banking we have.

- Shirley C. 33 Years of Membership

I have been blessed to be a member since 1998! I also had the great honor and pleasure to support the Hart Branch of the USSFCU while an employee of the Senate Sergeant at Arms Operations Division! The Hart Branch of the USSFCU has the kindest, friendliest, most professional employees I have ever met and dealt with in any financial institution! Now retired and living in Florida, I am proud to say that the USSFCU is still my financial institution!

- Tawndra S. 22 Year of Membership

I remember when the credit union was located adjacent to the barbershop in the basement of the Old Senate Office Building. Great service then! Great service now!

- Thomas H. 53 Years of Membership

Years ago, when I was a young Senate staffer on a limited budget, I accumulated some credit card debt and was able to apply for and receive a consolidation loan that helped me pay off that debt. Since that time, I have never carried over a credit card balance. Thank you for helping me get my finances under control.

- Linda C. 36 Years of Membership

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 and member savings, as well as 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, as well as the more recent bank bailouts, used taxpayer funds.

Credit union deposits are federally insured 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.

{endAccordion}

* For USSFCU membership you will need to open a Primary Savings Account with a minimum balance of $5.00 and pay the one-time only membership fee of $1.00. When applying for membership have the following information ready; name, address, birthdate and a valid form of identification. Membership eligibility does not guarantee membership.

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.

USSFCU has always been accommodating, easy to work with, and staff are always kind. I have every intention of keeping my account with this bank for a long, long time.

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!

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.

Long as I have been with the credit union, I haven?t had any problems. I also like the protection on my account.

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.

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.

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 ...

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!

Read More testimonials.