* Offer valid April 1 through June 30, 2025. USSFCU will issue a lender’s credit up to $750 towards the closing costs associated with a Home Equity Loan or Line of Credit applied for and approved during April 1 through June 30, 2025. The credit of $750 must be applied to a USSFCU Home Equity Loan or Line of Credit within 45 days of pre-approval date. Void where prohibited. USSFCU reserves the right to modify, update or discontinue this promotion at any time and without advance notice.

APR = Annual Percentage Rate. All loans subject to credit approval. Rates are based on creditworthiness, income and debts. Not all applicants will qualify for the lowest rate. Rates subject to change. For a listing of current rates visit ussfcu.org/rates.

1 Fixed rates and repayment terms up to 180 months. 90% LTV on Home Equity Loans not exceeding $400,000. 80% LTV on loans between $401,000 - $500,000. A fixed-rate Home Equity Loan with an original balance of $450,000 and a 60–month term with LTV up to 80.00% and an APR of 6.63% totals a monthly payment of $$8,832.19. A fixed-rate Home Equity Loan with an original balance of $70,000 60–month term with LTV up to 90.00% and an APR of 7.38% totals a monthly payment of $1,398.67. Payment examples does not include taxes or insurance; your actual obligation may be higher. If an appraisal is required or if there are title issues, the process may take longer. Also, if a full appraisal is required, we will need to collect the appraisal fee and other closing fees upfront in order to proceed with the application. If your payment is more than 15 days late, you will be charged 5.00% of the payment due. Grace period applies to Fixed Loan Products Only.

2 Home equity line of credit (HELOC) variable interest rate subject to change quarterly. Home equity line of credit (HELOC) variable interest rate subject to change quarterly. HELOCs are variable-rate lines. Rates are currently as low as 7.50% APR as of 04/01/2025 and subject to change. Variable rates and repayment terms up to 240 months. Rate equal to the WSJ Prime Rate in effect on the last day of each calendar quarter subject to a floor of 3.00%. Maximum APR is 18.00%. Rates will not adjust until the 1st day of the billing cycle on the 15th of that month. FEES AND CHARGES: To open or maintain a home equity line of credit, you must pay certain fees to third parties. These fees generally range from $500.00 to $1,300.00, but vary based on the loan amount and state. An itemization of the fees is available upon request by calling 800.374.2758. LATE PAYMENT FEE: If your payment is more than 10 days late, you will be charged 5.00% of the payment due. For more information on lending late fees, click here or call 800.374.2758. PROPERTY INSURANCE: You must carry insurance on the property that secures this plan. HELOC rates adjust on the first day of the billing cycle following the 15th of the month.

Please Note: Home Equity Loan products are only available on properties located in the contiguous United States. We do not offer Home Equity products in Texas, Alaska, Hawaii & US Territories. We do not offer equity loans on rental or investment properties.

Membership eligibility required. This credit union is federally insured by the National Credit Union Administration. Equal Housing Lender NMLS #51428.

The United States Senate Federal Credit Union complies with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). A list of our registered originators can be found by searching for the United States Senate Federal Credit Union here.