Rates

Printable Rate Sheets

Loan rates are effective as of 11/01/2024. Savings Rates are effective as of 11/01/2024.

For updated rate information, visit any USSFCU branch, send us a secure message using the Conversations feature from within myUSSFCU digital banking, or call 800.374.2758.

Checking/Savings

Savings and Checking

Type of Account	APY¹	Dividend Rate	Minimum Balance
Gold Source Checking Share	0.05%	0.05%	$2,000.00
Primary Savings Share	0.10%	0.10%	$5.00
Youth Savings Share	0.10%	0.10%	$5.00
Holiday Club Savings Share	0.10%	0.10%	$5.00
ROTH, Traditional & SEP IRA Savings	1.01%	1.00%	$5.00

¹APY= Annual Percentage Yield

Money Market

Tier	APY¹	Dividend Rate	Minimum Balance
$2,000 - $9,999	1.01%	1.00%	$2,000.00
$10,000 - $19,999	1.06%	1.05%	$10,000.00
$20,000 - $39,999	1.11%	1.10%	$20,000.00
$40,000 - $74,999	1.16%	1.15%	$40,000.00
$75,000 - $99,999	1.21%	1.20%	$75,000.00
$100,000 - $149,999	1.26%	1.25%	$100,000.00
$150,000 - $249,999	1.31%	1.30%	$150,000.00
$250,000 - $499,999	1.36%	1.35%	$250,000.00
$500,000 and over	1.41%	1.40%	$500,000.00

¹APY= Annual Percentage Yield

Share and Bump Rate Certificates

Term	Type of Account	APY¹	Dividend Rate
60 months	$200,000 Plus Jumbo	3.82%	3.75%
	$100,000 -$199,999	3.77%	3.70%
	less than $99,999	3.72%	3.65%
48 months	$200,000 Plus Jumbo	3.77%	3.70%
	$100,000 -$199,999	3.72%	3.65%
	less than $99,999	3.67%	3.60%
36 months	$200,000 Plus Jumbo	3.72%	3.65%
	$100,000 -$199,999	3.67%	3.60%
	less than $99,999	3.61%	3.55%
24 months	$200,000 Plus Jumbo	3.67%	3.60%
	$100,000 -$199,999	3.61%	3.55%
	less than $99,999	3.56%	3.50%
12 months	$200,000 Plus Jumbo	3.61%	3.55%
	$100,000 -$199,999	3.56%	3.50%
	less than $99,999	3.51%	3.45%
6 months	$200,000 Plus Jumbo	3.56%	3.50%
	$100,000 -$199,999	3.51%	3.45%
	less than $99,999	3.46%	3.40%
3 months	$200,000 Plus Jumbo	2.12%	2.10%
	$100,000 -$199,999	2.07%	2.05%
	less than $99,999	2.02%	2.00%

Minimum Balance: $1,000 | Jumbo: $200,000 and up

Certificate Account Disclosure and Agreement

¹ APY = Annual Percentage Yield. The APY assumes dividends will remain on deposit until maturity. The dividend period on your account begins from the date that your account is opened and ends on the maturity date unless renewed. The minimum balance required to open a share certificate is $1,000. You will earn dividends for every day during the period that your account equals or exceeds the minimum daily balance requirement. Early withdrawal penalties may apply. Changes without penalty are allowed ten days from the maturity date. Fees may reduce earnings. See Fee Schedule at ussfcu.org/fees for more details.

For more information, or to open your certificate, visit any USSFCU branch, send us a secure message using the Conversations feature from within online banking, or call 800.374.2758.

Personal Bump Rate Certificate Learn More

Term	Type of Account	APY¹	Dividend Rate
60 months	$200,000 Plus Jumbo	3.72%	3.65%
	$100,000 - $199,999	3.67%	3.60%
	less than $99,999	3.61%	3.55%
48 months	$200,000 Plus Jumbo	3.67%	3.60%
	$100,000 - $199,999	3.61%	3.55%
	less than $99,999	3.56%	3.50%
36 months	$200,000 Plus Jumbo	3.61%	3.55%
	$100,000 - $199,999	3.56%	3.50%
	less than $99,999	3.51%	3.45%

¹APY = Annual Percentage Yield

Bump-Rate Certificate Account Disclosure and Agreement

Early withdrawal penalties may apply. Fees may reduce earnings. See Fee Schedule at ussfcu.org/fees for more details.

Loans

New Auto Loans Learn More

Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 36 months	Maximum: $150,000	As low as 4.49*	As low as $298.54⁺
Up to 48 months	Maximum: $150,000	As low as 4.74%*	As low as $230.25⁺
Up to 60 months	Maximum: $150,000	As low as 4.99%*	As low as $189.81⁺
Up to 72 months	Maximum: $150,000	As low as 5.49%*	As low as $164.50+
84 months	Maximum: $150,000	As low as 5.74%*	As low as $146.04⁺

*APR = Annual Percentage Rate

** If eligible for all possible discounts

⁺Estimated monthly payment amount based on a new auto original loan balance of $10,000 and terms as stated.

Used Auto Loan Learn More

Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 36 months	Maximum: $75,000	As low as 4.99%*	As low as $150.39⁺
Up to 48 months	Maximum: $75,000	As low as 5.24%*	As low as $116.26⁺
Up to 60 months	Maximum: $75,000	As low as 5.49%*	As low as $96.06⁺
Up to 72 months	Maximum: $75,000	As low as 5.99%*	As low as $83.43⁺
84 months	Maximum: $75,000	As low as 6.24%*	As low as $74.22⁺

Models no older than 10 years

⁺Estimated monthly payment amount based on original used auto loan balance of $5,000 and terms as stated.

*APR = Annual Percentage Rate

** If eligible for all possible discounts

New Leisure Vehicle Loan Learn More

Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 36 months	Maximum: $300,000	As low as 5.99%*	As low as $763.27⁺
Up to 48 months	Maximum: $300,000	As low as 6.24%*	As low as $592.76⁺
Up to 60 months	Maximum: $300,000	As low as 6.49%*	As low as $491.97⁺
Up to 72 months	Maximum: $300,000	As low as 6.74%*	As low as $426.11⁺
Up to 84 months	Maximum: $300,000	As low as 6.99%*	As low as $380.26⁺
Up to 96 months	Maximum: $300,000	As low as 7.24%*	As low as $346.97⁺
Up to 120 months	Maximum: $300,000	As low as 7.49%*	As low as $299.90⁺

*APR = Annual Percentage Rate

** If eligible for all possible discounts .

⁺Estimated monthly payment amount based on original new leisure vehicle loan balance of $25,000 and terms as stated

Used Leisure Vehicle Loan Learn More

Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 36 months	Maximum: $150,000	As low as 6.49%*	As low as $768.11⁺
Up to 48 months	Maximum: $150,000	As low as 6.74%*	As low as $598.54⁺
Up to 60 months	Maximum: $150,000	As low as 6.99%*	As low as $497.87⁺
Up to 72 months	Maximum: $150,000	As low as 7.24%*	As low as $432.13⁺
Up to 84 months	Maximum: $150,000	As low as 7.49%*	As low as $386.42⁺
Up to 96 months	Maximum: $150,000	As low as 7.74%*	As low as $353.29⁺
Up to 120 months	Maximum: $150,000	As low as 7.99%*	As low as $306.50⁺

*APR = Annual Percentage Rate

** If eligible for all possible discounts

+Estimated monthly payment amount based on original used leisure vehicle loan balance of $25,000 and terms as stated

Private Student Loans Learn More

Check the current Rates and Fees for USSFCU Private Student Loan:

UNDERGRADUATE GRADUATE REFINANCE

Personal Loan Learn More

Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 24 months	Minimum: $250 Maximum: $70,000	As low as 9.99%*	As low as $46.14⁺
Up to 36 months	Minimum: $250 Maximum: $70,000	As low as 10.24%*	As low as $32.38⁺
Up to 48 months	Minimum: $250 Maximum: $70,000	As low as 10.49%*	As low as $25.60⁺
Up to 60 months	Minimum: $250 Maximum: $70,000	As low as 10.74%*	As low as $21.61⁺
Up to 72 months	Minimum: $250 Maximum: $70,000	As low as 10.99%*	As low as $19.03⁺
Up to 84 months	Minimum: $250 Maximum: $70,000	As low as 11.24%*	As low as $17.25⁺

*APR = Annual Percentage Rate

** If eligible for all possible discounts

⁺Monthly payment amount based on an original loan amount of $1,000.00 and repayment terms as stated.

Bridge to Retirement Loan Learn More

Loan Terms	Loan Amounts	APR*	Estimated Monthly Payment
Up to 36 months	Minimum: $250 Maximum: $10,000	5.49%	As low as $31⁺

Available only to members employed by the Federal Government.

*APR = Annual Percentage Rate

Personal Lines of Credit Learn More

Loan Type	Loan Amounts	APR*	Minimum Monthly Payment (when a balance exists)
EasyLine	Minimum: $100 Maximum: $1,000	18.00%	Higher of $15 or 3% of the statement balance
PremierLine	Minimum: $1,000 Maximum: $50,000	14.50%¹	Higher of $10 or 2.25% of the statement balance

¹Variable periodic rate subject to change. The rate is determined by adding 6.50% (the "margin") to the highest Prime Rate as published in Money Rates Section of The Wall Street Journal in effect on the last day of each calendar quarter (the "index").

APR = Annual Percentage Rate

Fees may apply. View a complete listing of fees at ussfcu.org/fees.

Mortgage Loan Learn More

Due to frequency in Mortgage Rate* fluctuation, please see up to the minute rates located at the link below.

Mortage Rates

*Rates may change without notice and are not guaranteed. A rate variance of .125% - .25% may occur between the reported rates and when it is processed during the application and credit report.

30 year term = 360 months and applies to 30 Yr. Conventional, FHA, VA and HomeReady loans. 15 year term = 180 months and applies to 15 Yr. Conventional loans. All loan programs, rates terms, and conditions are subject to change at any time without notice. Rate scenarios are based on a 30 day lock.

Home Improvement Plus Loan Learn More

Terms	Loan Amounts	Loan to Value (LTV)	APR*	Estimated Monthly Payment
Up to 180 Months	Minimum: $7,500 Maximum: $70,000	Up to 80%¹	As low as 8.00%²	$668.96²
Up to 180 Months	Minimum: $7,500 Maximum: $70,000	Up to 80.01%- 90%¹	As low as 8.25%²	$679.10²
Up to 180 Months	Minimum: $7,500 Maximum: $70,000	Up to 90.01% - 100%¹	As low as 8.50%²	$689.32²
Up to 180 Months	Minimum: $7,500 Maximum: $70,000	Up to 100.01% - 110%¹	As low as 9.00%²	$709.99²

*APR = Annual Percentage Rate. Loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Not all applicants will qualify for the lowest rate.

A Home Improvement Plus loan with an original balance of $70,000 and a 180 –month term with an APR of 8.00% (LTV up to 80%) totals a monthly payment of $668.96.

A Home Improvement Plus loan with an original balance of $70,000 and a 180 –month term with an APR of 8.25% (LTV up to 90%) totals a monthly payment of $679.10.

A Home Improvement Plus loan with an original balance of $70,000 and a 180 –month term with an APR of 8.50% (LTV up to 100%) totals a monthly payment of $689.32.

^{A Home Improvement Plus loan with an original balance of $70,000 and a 180 –month term with an APR of 9.00% (LTV up to 110%) totals a monthly payment of $709.99.}

Home Equity Loan Learn More

Terms	Loan Amounts	Loan to Value (LTV)	APR*	Estimated Monthly Payment⁺
Up to 60 Months	Minimum: $400,001 Maximum: $500,000	Up to 80%	7.13%	$1,390.38
	Minimum: $7,500 Maximum: $400,000	Up to 90%	7.88%	$1,415.33
Up to 120 Months	Minimum: $400,001 Maximum: $500,000	Up to 80%	7.38%	$826.53
	Minimum: $7,500 Maximum: $400,000	Up to 90%	8.13%	$854.11
Up to 180 Months	Minimum: $400,001 Maximum: $500,000	Up to 80%	7.63%	$654.09
	Minimum: $7,500 Maximum: $400,000	Up to 90%	8.38%	$684.40

*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. Loan amounts between $7,500 and $500,000.

^{+ Home Equity loan with an original balance of $70,000}

Smart Line Home Equity Line of Credit

Rate	APR*
Prime + 0%	8.00%

HELOC rates will not adjust until the 1^st day of the billing cycle on the 15^thof that month.

Variable interest rate subject to change quarterly. 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%.

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. If you ask, we will give you an itemization of the fees you will have to pay to third parties.

LATE PAYMENT FEE: If your payment is more than 10 days late, you will be charged 5.00% of the payment due.

PROPERTY INSURANCE: You must carry insurance on the property that secures this plan.

Other fees may apply. View fee schedule at ussfcu.org/fees.

Classic Line Home Equity Line of Credit

Rate	APR*
Prime + 0%	8.00%

HELOC rates will not adjust until the 1^st day of the billing cycle on the 15^thof that month.

Variable interest rate subject to change quarterly. 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%.

LATE PAYMENT FEE: If your payment is not received by the payment due date, you will be charged 5.00% of the payment due.

PROPERTY INSURANCE: You must carry insurance on the property that secures this plan.

Other fees may apply. View fee schedule at ussfcu.org/fees.

Credit Cards Learn More

APR*	Visa Smart Rate	Visa Smart Rewards
For Purchases	13.00% This APR will vary with the market based on the Prime Rate(1).	14.00% This APR will vary with the market based on the Prime Rate ⁽¹⁾.
For Balance Transfers	13.00% This APR will vary with the market based on the Prime Rate⁽¹⁾.	14.00% This APR will vary with the market based on the Prime Rate⁽¹⁾.
For Cash Advances	13.00% This APR will vary with the market based on the Prime Rate ⁽¹⁾.	14.00%. This APR will vary with the market based on the Prime Rate⁽¹⁾ .

⁽¹⁾ Variable Rate. Your account is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal ("Index") in effect on the last day of each calendar quarter plus our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the next billing cycle following the change. 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.

Set-up And Maintenance Fees
Document Copy Fee: $20 for each copy of a merchant draft

Transaction Fees
Foreign Transactions: 1% of the transaction amount.

Penalty Fees
Late Payment: Up to $35.00 if your payment is received after the due date
Returned Payment: Up to $35.00 for each returned payment.

Other fees may apply. View fee schedule at ussfcu.org/fees.

*APR = Annual Percentage Rate

Business

Business Deposits

Product	APY*	Dividend Rate
Business Savings	0.10%	0.10%
Non-dividend Bearing Accounts	0.00%	0.00%

*APY = Annual Percentage Yield

Business Money Market Learn More

Tier	APY*	Dividend Rate
Tier I - $2,000-$9,999	1.01%	1.00%
Tier II - $10,000-$19,999	1.06%	1.05%
Tier III - $20,000 - $39,999	1.11%	1.10%
Tier IV - $40,000 - $74,999	1.16%	1.15%
Tier V - $75,000 - $99,999	1.21%	1.20%
Tier VI - $100,000 - $149,999	1.26%	1.25%
Tier VII - $150,000 - $249,999	1.31%	1.30%
Tier VIII - $250,000 - $499,999	1.36%	1.35%
Tier IX - > $500,000	1.41%	1.40%

*APY = Annual Percentage Yield

Term	Type of Account	APY¹	Dividend Rate
60 months	$200,000 Plus Jumbo	3.82%	3.75%
	$100,000 - $199,999	3.77%	3.70%
	less than $99,999	3.72%	3.65%
48 months	$200,000 Plus Jumbo	3.77%	3.70%
	$100,000 - $199,999	3.72%	3.65%
	less than $99,999	3.67%	3.60%
36 months	$200,000 Plus Jumbo	3.72%	3.65%
	$100,000 - $199,999	3.67%	3.60%
	less than $99,999	3.61%	3.55%
24 months	$200,000 Plus Jumbo	3.67%	3.60%
	$100,000 - $199,999	3.61%	3.55%
	less than $99,999	3.56%	3.50%
12 months	$200,000 Plus Jumbo	3.61%	3.55%
	$100,000 - $199,999	3.56%	3.50%
	less than $99,999	3.51%	3.45%
6 months	$200,000 Plus Jumbo	3.56%	3.50%
	$100,000 - $199,999	3.51%	3.45%
	less than $99,999	3.46%	3.40%
3 months	$200,000 Plus Jumbo	2.12%	2.10%
	$100,000 - $199,999	2.07%	2.05%
	less than $99,999	2.02%	2.00%

Minimum Balance: $1,000

Early withdrawal penalties may apply. See fee schedule for more details.

*APY = Annual Percentage Yield

Business Bump Rate Certificates Learn More

Term	Type of Account	APY¹	Dividend Rate
60 Months	$200,000 Plus Jumbo	3.72%	3.65%
	$100,000 - $199,999	3.67%	3.60%
	Less than $99,999	3.61%	3.55%
48 Months	$200,000 Plus Jumbo	3.67%	3.60%
	$100,000 - $199,999	3.61%	3.55%
	Less than $99,999	3.56%	3.50%
36 Months	$200,000 Plus Jumbo	3.61%	3.55%
	$100,000 - $199,999	3.56%	3.50%
	Less than $99,999	3.51%	3.45%

¹APY = Annual Percentage Yield

Early withdrawal penalties may apply. See Fee Schedule for more details.

Rates

Rates

Printable Rate Sheets

Loan rates are effective as of 11/01/2024. Savings Rates are effective as of 11/01/2024.

Savings and Checking

Senate Money Market Share Learn More

Smart Share Certificates (including IRA Certificates) Learn More

Personal Bump Rate Certificate Learn More

New Auto Loans Learn More

Used Auto Loan Learn More

New Leisure Vehicle Loan Learn More

Used Leisure Vehicle Loan Learn More

Private Student Loans Learn More

Personal Loan Learn More

Bridge to Retirement Loan Learn More

Personal Lines of Credit Learn More

Mortgage Loan Learn More

Home Improvement Plus Loan Learn More

Home Equity Loan Learn More

Smart Line Home Equity Line of Credit

Classic Line Home Equity Line of Credit

Credit Cards Learn More

Business Deposits

Business Money Market Learn More

Business Share Certificates Learn More

Business Bump Rate Certificates Learn More

Members' Voice Testimonials