Smart Rate

Smart Rate

One of the best credit card rates in the nation!

USSFCU's Smart Rate Visa® offers a lower-than-average annual percentage rate and serves as USSFCU's standard credit card option. Cardholders never pay an annual fee; with a $0 balance transfer fee, it's the perfect time to consolidate your spending!

Accepted worldwide, the Visa Smart Rate offers cardholders a number of benefits, including:

  • No balance transfer fees*
  • No cash advance fees*
  • No annual fees*
  • No rate change for late payments*
  • No over-the-limit fees*
  • No rate increases on cash advances*
  • Advanced risk detection technology
  • 24/7 online account management and tracking
  • 24/7 emergency card assistance
  • Free auto rental collision insurance
  • Debt protection available

With all these benefits, our USSFCU Smart Rate Visa is the smarter way to pay.

RATES

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Are you looking to Apply After Regular Business Hours?

Our after-hours phone banking offers 24/7 live loan support, including personalized consultations, application submissions, and decision-making. Dial 800-374-2758 after business hours, select option one (1), and experience a revamped Call Menu with brand-new lending options tailored just for you!

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Contactless Cards from USSFCU Contactless Cards

USSFCU Visa® credit and debit cards are enabled for contactless pay. Contactless card payments are secure, convenient, and touch-free. Simply tap, pay and be on your way!

Receiving a Contactless Card from USSFCU

All newly issued debit and credit cards will be contactless. Current members will receive contactless cards when their current card expires or is reissued. If you prefer not to have a contactless card, contact our Member Service Contact Center at 800.374.2758, and we can issue a non-contactless card by mail.

Use Your Smartphone and Discover USSFCU Contactless Pay

Add your Senate Debit card, Smart Rate and Smart Rewards credit cards to the Mobile Wallet on your mobile phone, set it as your default card and make payments everywhere you see any of these symbols:

                  

Learn How to Add Your Cards

Securely manage all your USSFCU cards through myUSSFCU Online & Mobile Banking

Enable a wealth of card control settings based on spending amounts, transaction types, merchant types, and more using the newly integrated card management services within myUSSFCU Online Banking. Simply select a card from the Card Management section of your myUSSFCU dashboard, tap Alerts and Protections and begin setting your card controls, or visit ussfcu.org/mcr to learn more.

Log in at my.ussfcu.org

From extended warranty protection to travel assistance, your USSFCU Smart Rate card comes loaded with benefits. Make your purchases with confidence, knowing that you're covered by the power of Visa.

Extended Warranty Coverage

The USSFCU Visa Smart Rate Card enhances your purchase protection with extended warranty coverage. This benefit extends the original manufacturer’s warranty on qualifying items purchased in full with your rewards card, which can save you a significant amount in potential repair or replacement costs, particularly with electronics and appliances. Register a product at cardbenefitservices.com, or by calling 1-800-882-8057.

Auto Rental Collision Damage Waiver

Traveling with peace of mind is made easier with the card’s Auto Rental Collision Damage Waiver. This coverage serves as your primary insurance when renting a vehicle, allowing you to decline the rental company’s daily insurance offer. This not only saves you money but can also cover you in case of theft or collision damage to the rental car. To learn more about Auto Rental Collision Damage Waiver, visit www.eclaimsline.com.

Roadside Dispatch

The Roadside Dispatch benefit is a pay-per-use service that offers assistance if you encounter trouble while on the road, such as a flat tire, dead battery, or locked car. It’s a convenient solution that acts like an on-call emergency service for your vehicle. If you need roadside assistance, call 800.847.2869. This line is available 24/7.

Travel Assistance Services

Travel and Emergency Assistance Services are made available to help you in case of an emergency while you are traveling away from home. A Benefits Administrator can connect you with the appropriate local emergency and assistance resources, 24 hours a day, 365 days a year. To use the services, or for more information about this benefit call 1.800.992.6029.

****Visa cardholder benefit programs may be discontinued at any time without prior notice. Void where prohibited. United States Senate Federal Credit Union shall not have any responsibility or liability in connection with the rendering of cardholder benefit services. Benefits will not apply to cardholders whose accounts have been suspended or cancelled.

All loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income, and debts. Not all applicants will be approved.

1 APR=Annual Percentage Rate. All credit cards are subject to credit approval. Rates and/ or credit limits are based on creditworthiness, income, and debts. Your account is subject to a Variable Interest Rate. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the amount of your regularly scheduled payments that you will be required to make. View all rates at ussfcu.org/rates. See a full list of agreements and account disclosures at ussfcu.org/visa.

*Other fees may apply. Foreign transaction fee is 1 percent of the transaction amount, which may be billed separately on your account or included in the transaction amount. This 1% adjustment is made for all international transactions regardless of whether there is a currency conversion associated with the transaction. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. To view our fee schedule visit ussfcu.org/fees. View the complete Smart Rate Visa Credit Card Agreement and Disclosure for additional information.

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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