SEGs

The United States Senate

Senate employees and their immediate family members are automatically eligible for membership at U.S. Senate Federal Credit Union. State staff and interns are eligible too!

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When you choose USSFCU as your financial institution, you are not just a customer but a valued member and owner. 

Since our founding in 1935, serving you, our Credit Union member-owners, and the Senate community, has been our number one priority. We are proud and will remain committed to providing you with safe, secure, and convenient solutions to meet all your financial needs. Thank you for allowing us to be your Credit Union.

Not a USSFCU Member?

Begin your lifetime membership by opening a primary savings account with as little as $5.00 and paying the $1.00 membership fee. Once you join, you can begin taking advantage of all the great financial products and services that come along with membership at USSFCU. Use Promo Code: 'Bonus' on your application and be eligible to earn up to $500.**

APPLY NOW

Click "Apply Now" to begin your membership application online, or visit us in person at our Senate Hart Branch (SH-118).

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Our History

Providing Full Service Financial Solutions to the Senate Community Since 1935.

On October 8, 1935, at the height of the Great Depression, nine United States Senate employees pooled their resources and chartered the United States Senate Federal Credit Union with just $45.00. Their goal was to create an organization that would provide equal financial opportunity to everyone in the U.S. Senate community. Therefore, anyone who was employed by the U.S. Senate, whether a committee member, staffer, Senate Member, custodian, etc., would be afforded equal access to the same financial services and resources.

“The success of our Credit Union reflects the wisdom, diligence and dedication of a great number of people from the Senate community and deserves the support of every Member and employee of the Senate, the Architect of the Capitol and the Supreme Court.”

—Senator Richard Lugar (R-IN), 1977–2013

Stability

Being the official credit union that serves the U.S. Senate brings a lot of stability that most other financial institutions don’t enjoy. However, that is the floor where our stability starts and we have built on that for almost a century. Making measured decisions in regards to growth and expansion that ensures we grow at a healthy rate while incurring as little risk as possible has been a longstanding strategy for the credit union. This award-winning growth strategy will propel us over the $1 billion mark while keeping the best interest of our members at the center of all our decision-making.

• Ranked #1 best-performing credit union of 2018 by S&P Global Market Intelligence.
• Top 200 Healthiest Credit Unions in the Nation in 2018 & 2019.

Security

Because of who we serve it goes without saying that member security and protection of member data is of the utmost importance. We go to extreme measures to ensure that our data security meets the highest levels and undergoes rigorous testing to ensure what we have in place is impermeable. Additionally, because threats are always changing so are our measures of protection. Our IT security team is constantly improving and increasing its knowledge to ensure we have the pieces in place to best protect our members from potential threats.

Service

Providing exceptional service is a longstanding tradition at USSFCU. Our members consistently rate USSFCU at 91% in Overall Satisfaction through our Members’ Voice satisfaction survey program.

Senate Community Testimonials:

Opening a USSFCU account was one of the very first things I did when I started working on Capitol Hill 20 years ago and I’ve never looked back. It’s my primary bank account to this day.

- Jeffrey L. 20 Years of Membership

I joined right after college after accepting my first job in the USS; now 26 years later, I’m still a member and so happy with your products and service! Congratulations on 85 years of doing right by your members!

- John R. 26 Years of Membership

I began my first Senate job on May 1, 1971, and joined USSFCU that same day. I have received spectacular member service for nearly half a century since then. USSFCU never fails to excel.

- Kenneth D. 50 Years of Membership

Thank you for providing such great service to all of us who have worked for the U.S. Senate. Having a credit union devoted to our financial care is appreciated. Here's to 85 additional years!

- Lisa C. 20 Years of Membership

I have been a member since I began working for Senator Alan Cranston (Democrat from California) in 1982. Although I left the Senate when Senator Cranston left office, I have remained a member of the United States Senate Federal Credit to this day. I have had nothing but positive service from USSFCU and will continue to do all my banking with them. I love USSFCU.

- Loretta M. 38 Years of Membership

I was a senate page and messenger for the sergeant of arms when I was 15. 43 years later I'm still a member. I could find no better place to bank despite overseas military service.

- Mike W. 43 Years of Membership

When I became part of the Senate staff, it was clear many new doors would open. One, ussfcu, has remained so for many (about 50 or more) years, helping us through small and larger problems; we have used, enjoyed, and appreciated their services.

- Robert H. 50 Years of Membership

The credit union was opened 5 years before my father came to Washington, DC to work for the GPO. He became the Senate Printing Clerk in 1971 and joined the USSFCU. In 1987 he sponsored his children and grandchildren to join and we've all appreciated the sound financial banking we have.

- Shirley C. 33 Years of Membership

I have been blessed to be a member since 1998! I also had the great honor and pleasure to support the Hart Branch of the USSFCU while an employee of the Senate Sergeant at Arms Operations Division! The Hart Branch of the USSFCU has the kindest, friendliest, most professional employees I have ever met and dealt with in any financial institution! Now retired and living in Florida, I am proud to say that the USSFCU is still my financial institution!

- Tawndra S. 22 Year of Membership

I remember when the credit union was located adjacent to the barbershop in the basement of the Old Senate Office Building. Great service then! Great service now!

- Thomas H. 53 Years of Membership

Years ago, when I was a young Senate staffer on a limited budget, I accumulated some credit card debt and was able to apply for and receive a consolidation loan that helped me pay off that debt. Since that time, I have never carried over a credit card balance. Thank you for helping me get my finances under control.

- Linda C. 36 Years of Membership

Banks vs. Credit Unions

Credit Unions	Banks
At a credit union, the shareholder is a valued member and owner.	At a bank, the customer has no ownership interest in the institution. Banks are owned by investors, who may or may not be depositors.
Since credit union members are owners, each member has one vote in electing board members regardless of how much money they have on deposit. Members can also run for election to the board.	Banks are owned and controlled by stockholders, whose votes depend on the number of shares owned. Customers do not have voting rights, cannot be elected to the board, and have no say in how their banks are operated.
Credit union boards are comprised of volunteers who reflect the diversity of their membership.	Bank board members are paid and do not necessarily reflect the diversity of their customer base.
Credit unions are local and organized to serve the interests of their membership.	Banks are open to the general public.
Credit unions are not-for-profit, cooperative organizations owned entirely by and operated for their memberships’ benefit. Earnings are paid back to members in the form of higher savings rates and lower loan rates.	Banks are for-profit corporations with declared earnings paid to stockholders only.
Credit unions focus on consumer loans and member savings, as well as services needed by their membership.	Banks focus on commercial loans and accounts plus services that generate significant income.
Credit unions cooperate with other credit unions and share resources to bring convenience and savings to their respective members. CU Service Centers and the CO-OP ATM Network are just two examples of this cooperation between credit unions.	Competition between banks prohibits the sharing of resources.
In the history of U.S. credit unions, taxpayer funds have never been used to bail out a credit union.	The Savings and Loan Crisis (and bailout) in the late 1980s into the 1990s and the more recent bank bailouts used taxpayer funds.
Credit union deposits are federally insured for up to $250,000 by the National Credit Union Administration (NCUA), an independent federal agency.	Bank deposit accounts are federally insured up to $250,000 by the Federal Deposit Insurance Corporation (FDIC), an independent federal agency.

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** Terms and conditions apply.