Senate Cents: A Financial Wellness Blog

Canceling a Credit Card? Here's How to Do It Without Hurting Your Credit

Published: February 19, 2025

Canceling a credit card might seem like a simple decision, but it can impact your credit score more than you think. Before you close an account, it's important to understand how it affects your credit utilization, history, and overall financial health.

Budgeting for Spring Home Renovations: A Smart Start to the Season

Published: January 31, 2025

Whether you're planning to refresh your living space, upgrade your kitchen, or enhance your home's energy efficiency, setting a realistic budget is the key to making your renovation plans a success. Careful planning, smart financing, and cost-saving strategies can help ensure your home improvements go smoothly. Here's how to budget wisely and get your home ready for spring.

The Emergency Binder Checklist: Be Ready for Life's What-Ifs

Published: January 16, 2025

Unexpected events can happen at any time, and being prepared makes all the difference. An emergency binder is a simple way to keep all your important documents in one place, ready when you or your loved ones need them. By organizing the essentials now, you can save time, reduce stress, and ensure you're ready for whatever life throws your way.

Debt Consolidation Made Simple: A Fee-Free Approach to Financial Freedom

Published: January 7, 2025

Discover the benefits of debt consolidation using a low-interest credit card with no balance transfer fees. Find out how to save on interest and achieve financial freedom.

Start 2025 Strong: Financial Tips for the New Year

Published: December 30, 2024

The start of a new year is the perfect time to reflect on your financial habits and make a plan for the months ahead. By taking stock of where you stand and setting achievable goals, you can set yourself up for a successful 2025.

Balance Transfers: A Smart Move for Holiday Savings

Published: November 26, 2024

The holiday season often brings joy, togetherness, and, unfortunately, credit card bills. If you've racked up high-interest debt on one or more cards, now is the perfect time to consider a balance transfer. By transferring your existing balances to a low-interest credit card, you can simplify your payments, save on interest, and regain control of your finances.

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.

- James · Locust Grove, GA

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!

- Larry · Cumberland, MD

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.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

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.

- Denise · Washington, DC

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.

- David · Silver Spring, MD

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 ...

- Manuel · Bowie, MD

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!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

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