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Greater Washington Board of Trade

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U.S. Senate Federal Credit Union (USSFCU) and the Greater Washington Board of Trade (BOT) have teamed up to provide BOT members access to the unique features and benefits of credit union membership.

If you are an employee of the BOT or an employee of a business or organization that belongs to the BOT, you are eligible to apply for membership at U.S. Senate Federal Credit Union.

USSFCU is a cooperative organization owned entirely by its members and operated for their benefit. Unlike most banks, all profits are returned to our members in the form of higher savings rates, lower loan rates, and fewer fees. With USSFCU, you are a valued member and owner.

As an individual, you are eligible to apply for a personal account at USSFCU. 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 86 years. Our full-service organization is available to assist you with the many financial needs you may have. Additionally, once your USSFCU personal account is established you are eligible to apply for a business account.

Get Started on Your Path to USSFCU Membership

Apply for an Individual Account

Open a Primary Savings Account with a minimum balance of $5.00 and pay the one-time-only membership fee of $1.00 to secure your membership with us.*


Apply Online


Apply for a Business Account

USSFCU offers a full line of business banking solutions. Contact MBS for more information on opening a business account at USSFCU.


Email MBS

*Proof of eligibility required. When submitting your USSFCU application please have the following information ready; name, address, date of birth, BOT membership number, and at least one valid form of identification (photo ID, passport, etc.).

From Membership to Partnership

Your success is our priority.  As your partner in business, we are here to lend our support by offering resources and assistance to ensure sustainability for the services you provide to people and communities across the region. Our Business Service team prides itself on personal service to ensure smooth operation. Our team is flexible and will work with you to make sure your needs are met and in a timely manner. 

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Business Banking Solutions

Business Checking

Perfect for small-to-medium size businesses who want personalized service without high monthly maintenance fees. Easily make purchases from your account, track expenses online, and enjoy over 100,000 fee-free ATMs with a free Business Debit Visa Card. Learn more...

Visa® Credit Cards

Enjoy all the purchasing power of Visa with no annual fees or hidden charges. MBS credit cards offer a low-rate and come along with top Visa-specific benefits like purchase security and extended protection, travel and emergency assistance services, travel accident insurance, and more. Learn more...

Merchant Services

We’ve partnered with USB Payment Processing to offer a wide range of innovative products and credit card services to help your business prosper. With USB you'll find some of the lowest rates and best service in the credit card processing industry. Learn more...

Business Advisory Services

Transitioning your business requires careful planning at every stage. We've teamed up with Fellows Financial Group to offer our business account holders access to professional business planning services. Connect with an advisor who can help you create a plan that’ll adapt as your business grows. Learn more...

Banks vs. Credit Unions

Credit Unions


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 deposits accounts are federally insured up to $250,000 by the Federal Deposit Insurance Corporation (FDIC), an independent federal agency.

The USSFCU Difference

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 the same stability, security & service we have been providing the Senate Community since 1935.


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.

Ranked #1 best-performing credit unionabout press releases detail?cId=14701&title=united states senate fcu leads 2018 credit union rankings of 2018 by S&P Global Market Intelligence.

Top 200 Healthiest Credit Unions in the Nation in 2018 & 2019.


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.


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



Membership eligibility does not guarantee membership.

* 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.