• Free Checking with no setup or service fees & low minimum balance requirements.

• Access to your directly deposited paychecks up to 3-days early when you enroll in USSFCU’s Early Direct Deposit.

• Lower loan service and origination fees and members who participate in certain ancillary services are eligible to pay even less through our Relationship Discount Program.

• Visa^® Credit Cards with no hidden costs, no annual or balance transfer fees, and rates less than half the nation’s average credit card rate.

• Exclusive deals and discounts on major brands through our Love My Credit Union Rewards program.

• Access to professional financial advisory and planning services.

• One-on-one financial counseling and debt management.

• Best Life Learning, USSFCU’s financial education center, is full of things you'll need to know “money-wise” in order to make your best life dreams a reality. 

• Open accounts and apply for loans securely online.

• Pay bills and transfer funds to and from your accounts at USSFCU account and other financial institutions.

• Deposit checks remotely with the USSFCU Mobile App.

• Make safe, contactless purchases by loading your USSFCU debit and credit cards to Mobile Wallet.

• Control your USSFCU cards with MyCardRules. Turn your card on or off, set transaction limits and parental controls, get instant alerts, and more.

• Through credit union CO-OP services you’ll have access to more branches & surcharge-free ATMs than most big bank customers do.

  100,000 ATMs

  5,600 Shared Branches

• Branch access at our Senate location, Hart (SH-118), full-service USSFCU ATMs throughout the Capitol, and additional USSFCU branches in Washington D.C. and Virginia. 

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, regardless of how much money they have on deposit, has one vote in electing board members. Members can also run for election to the board.

Banks are owned and controlled by stockholders, whose number of votes depends upon 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 entire 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, as well as the more recent bank bailouts, used taxpayer funds.

Credit union deposits are federally insured 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.