Welcome to the Family

Welcome to the Family

The Official Financial Home of the U.S. Senate for 90 Years

Congratulations on joining the 119th Congress! As a valued member of the Senate community, you are now eligible for exclusive membership with the United States Senate Federal Credit Union (USSFCU).

For 90 years, USSFCU has been the trusted financial partner for Senators, staff, and their families. As a not-for-profit, member-owned financial institution, we are dedicated to providing personalized financial solutions tailored to your unique needs.

Join Today  Why USSFCU?  $300 Bonus  Connect With Us

Why Join USSFCU?

At USSFCU, we understand the unique needs of the Senate community and are committed to helping you achieve your financial goals.

As a member, you’ll enjoy:

  • Free Checking: No monthly fees, No minimum balance, No NSF/Overdraft fees, No hidden costs.
  • 100,000+ Fee-Free ATMs Nationwide: Access your money wherever you go.
  • 3,500 Shared Branches: A branch is just around the corner with our nationwide network.
  • Early Direct Deposit: Get paid up to two days sooner.
  • Competitive Rates: Enjoy great savings and loan rates.
  • Lifetime Membership: Yours for just $1, no matter where life takes you.

And it doesn’t stop there—your immediate family members are also eligible for USSFCU membership. Share the benefits of trusted financial solutions and exceptional service with your loved ones!

Exclusive Offer for the 119th Congress

Unlock $300 in just a few simple steps!

This exclusive offer is available to staff of the 119th Congress as a welcome to your new term.

How to Claim Your $300 Reward:

  1. Use Promo Code 'BONUS25'
    Apply for membership using Promo Code 'BONUS25' during the application process.
  2. Open Your Senate Checking Account
    Establish a free Senate Checking Account with a Visa® Debit Card to get started.
  3. Make 20 Purchases
    Use your new Visa Debit Card to make 20 purchases (minimum $10 each) within the first six months of opening your account.
  4. Set Up and Receive Direct Deposit
    Enroll in direct deposit and receive at least $500 per month for six consecutive months.

Once you’ve met these requirements, we’ll deposit $300 directly into your USSFCU account as a thank-you for joining our credit union family.

Apply Now

Connect with USSFCU

Visit us in the Senate Hart Building, Room SH-118, where our team is ready to provide personalized support.

Prefer banking on your schedule? Access your accounts anytime, anywhere with myUSSFCU—our secure online and mobile banking platform, featuring advanced encryption and multi-factor authentication for your peace of mind.

At USSFCU, we’re more than just your financial institution; we’re your credit union for life. Whether you’re saving for the future, financing life’s milestones, or planning for what’s next, we’re here to help you make the most of every opportunity.

New Member Offer Terms & Conditions

Limited Time Offer. Terms and conditions apply. Offer valid from January 1 to December 31, 2025. Limit one $300 bonus per member. To qualify for and receive the $300 bonus, you must meet the following requirements:

  1. Establish Membership:

    • Open a Primary Savings Account with a minimum balance of $5.

    • Pay a one-time membership fee of $1.

    • Open a free Senate Checking Account with a Visa® Debit Card.

  2. Complete Debit Card Transactions:

    • Use your USSFCU Visa® Debit Card to complete at least 20 transactions of $10 or more within six months of submitting your membership application.

    • ATM withdrawals and electronic transfers are excluded.

    • All transaction requirements must be completed within 60 days of applying for membership.

  3. Set Up Direct Deposit:

    • Start receiving qualifying direct deposits into your USSFCU account within 30 days of account opening.

    • Receive a minimum direct deposit of $500 per month for six consecutive months.

    • A qualifying direct deposit is a regular monthly income deposit (e.g., salary, pension, or Social Security) made by your employer or other payer using your USSFCU account and routing number.

    • Non-qualifying deposits include teller deposits, wire transfers, debit card transfers, ATM transactions, online/mobile banking transfers, or transfers from external accounts.

The $300 bonus will be deposited into your USSFCU Primary Savings Account within 30-60 days after all requirements are successfully met within the six-month qualification period.

This offer is available only to new members and cannot be combined with any other promotion. All requirements must be completed within six months of account opening to qualify. Any applicable taxes on the bonus deposit are the sole responsibility of the recipient. To participate, members must apply for membership using Promo Code 'BONUS25'.

Terms of this promotion are subject to change and may be modified, suspended, or terminated at any time by USSFCU. Limit the total bonus amount of $300 per member. USSFCU employees, managers, and board members are not eligible for this promotion. Any taxes due on the bonus deposit are the sole responsibility of the recipient. 

Primary Savings Accounts 0.10% annual percentage yield (APY). Must maintain a minimum balance of $5.00 to earn disclosed APY. Yield and dividend rates as of December 01, 2024, and subject to change without notice. View current rates at ussfcu.org/rates. Fees may reduce earnings. View our fee schedule at ussfcu.org/fees or call 800.374.2758. Membership eligibility is required. 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.

- 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

Read More testimonials.