What are the current interest rates at United States Senate Federal Credit Union?

Current rates for United States Senate Federal Credit Union include: 12-Month CD: 2.53%, 24-Month CD: 2.58%, 60-Month CD: 2.63%, Savings: 0.05%, MMA: 0.40%

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United States Senate Federal Credit Union

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United States Senate Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, United States Senate Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 31, 2026

United States Senate Federal Credit Union's 60 month rates are at 2.79%, 48 month rates are at 2.74%, 60 month - less than rates are at 2.74%, 36 month rates are at 2.69%, 48 month - less than rates are at 2.69%. United States Senate Federal Credit Union's savings rates are at 0.05%. United States Senate Federal Credit Union's money market rates are at 0.40%. United States Senate Federal Credit Union's Personal Loan Rates are at 7.74%. United States Senate Federal Credit Union's Credit Card Rates are at 11.75%. MonitorBankRates evaluates the financial stability of United States Senate Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.40%. Rates last updated and verified on 08/31/2026.

United States Senate Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at United States Senate Federal Credit Union? Share your experience about United States Senate Federal Credit Union by leaving a review below, or read customer reviews before you decide to use United States Senate Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.40%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

United States Senate Federal Credit Union
Bertie Bowman Building

1310 Braddock Pl
Alexandria, VA 22314-1691

https://www.ussfcu.org

United States Senate Federal Credit Union CD Rates

Product	Rate	APY	Term
60 month	2.75%	2.79%	60 months
Min Balance $100,000 Details $100,000 - $199,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
48 month	2.70%	2.74%	48 months
Min Balance $100,000 Details $100,000 - $199,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
60 month - less than	2.70%	2.74%	60 months
Details $99,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
36 month	2.65%	2.69%	36 months
Min Balance $100,000 Details $100,000 - $199,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
48 month - less than	2.65%	2.69%	48 months
Details $99,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
60 month	2.66%	2.69%	60 months
Min Balance $100,000 Details $100,000 - $199,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
24 month	2.60%	2.63%	24 months
Min Balance $100,000 Details $100,000 - $199,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
36 month - less than	2.60%	2.63%	36 months
Details $99,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
48 month	2.60%	2.63%	48 months
Min Balance $100,000 Details $100,000 - $199,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
60 month - Less than	2.60%	2.63%	60 Months
Min Balance $0 Details $99,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
12 month	2.55%	2.58%	12 months
Min Balance $100,000 Details $100,000 - $199,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
24 month - less than	2.55%	2.58%	24 months
Details $99,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
36 month	2.55%	2.58%	36 months
Min Balance $100,000 Details $100,000 - $199,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
48 month - Less than	2.55%	2.58%	48 Months
Min Balance $0 Details $99,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
12 month - less than	2.50%	2.53%	12 months
Details $99,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
36 month - Less than	2.50%	2.53%	36 Months
Min Balance $0 Details $99,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
6 month	2.30%	2.33%	6 months
Min Balance $100,000 Details $100,000 - $199,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
6 month - less than	2.25%	2.28%	6 months
Details $99,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
3 month	1.05%	1.06%	3 months
Min Balance $100,000 Details $100,000 - $199,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
3 month - less than	1.00%	1.01%	3 months
Details $99,999 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%

United States Senate Federal Credit Union Savings Rates

Product	Rate	APY
ROTH, Traditional & SEP IRA Savings	0.50%	0.50%
Min Balance $0 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Business Savings	0.05%	0.05%
No additional details. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Holiday Club Savings Share	0.05%	0.05%
Min Balance $5 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Primary Savings Share	0.05%	0.05%
Min Balance $5 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Youth Savings Share	0.05%	0.05%
Min Balance $5 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%

United States Senate Federal Credit Union Money Market Rates

Product	Rate	APY
Business Money Market	0.80%	0.80%
Min Balance $500,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Money Market	0.80%	0.80%
Min Balance $500,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Senate Money Market Share	0.80%	0.80%
Min Balance $500,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Business Money Market	0.75%	0.75%
Min Balance $250,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Money Market	0.75%	0.75%
Min Balance $250,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Senate Money Market Share	0.75%	0.75%
Min Balance $250,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Business Money Market	0.70%	0.70%
Min Balance $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Money Market	0.70%	0.70%
Min Balance $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Senate Money Market Share	0.70%	0.70%
Min Balance $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Business Money Market	0.65%	0.65%
Min Balance $100,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Money Market	0.65%	0.65%
Min Balance $100,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Senate Money Market Share	0.65%	0.65%
Min Balance $100,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Business Money Market	0.60%	0.60%
Min Balance $75,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Money Market	0.60%	0.60%
Min Balance $75,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Senate Money Market Share	0.60%	0.60%
Min Balance $75,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Business Money Market	0.55%	0.55%
Min Balance $40,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Money Market	0.55%	0.55%
Min Balance $40,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Senate Money Market Share	0.55%	0.55%
Min Balance $40,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Business Money Market	0.50%	0.50%
Min Balance $20,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Money Market	0.50%	0.50%
Min Balance $20,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Senate Money Market Share	0.50%	0.50%
Min Balance $20,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Business Money Market	0.45%	0.45%
Min Balance $10,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Money Market	0.45%	0.45%
Min Balance $10,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Senate Money Market Share	0.45%	0.45%
Min Balance $10,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Business Money Market	0.40%	0.40%
Min Balance $2,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Money Market	0.40%	0.40%
Min Balance $2,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Senate Money Market Share	0.40%	0.40%
Min Balance $2,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%

United States Senate Federal Credit Union Checking Rates

Product	Rate	APY	View More
Gold Source Checking Share	0.05%	0.05%
Min Balance $2,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%

United States Senate Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Classic Line Home Equity Line of Credit	-	-	6.75%
Details Prime + 0% APR* HELOC rates will not adjust until the 1 day of the billing cycle on the 15 of 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 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 . Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Home Equity Loan	-	-	6.75%
Details *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. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Smart Line Home Equity Line of Credit	-	-	6.75%
Details Prime + 0% APR* HELOC rates will not adjust until the 1 day of the billing cycle on the 15 of 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 . Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%

United States Senate Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans	-	-	3.74%	Up to 36 months
Details As low as; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Auto Loans	-	-	3.99%	Up to 48 months
Details As low as; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Auto Loan	-	-	3.99%	Up to 36 months
Details As low as 3.99%*; Maximum: $75,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Auto Loans	-	-	4.24%	Up to 60 months
Details As low as; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Auto Loan	-	-	4.24%	Up to 48 months
Details As low as 4.24%*; Maximum: $75,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Auto Loans	-	-	4.49%	Up to 72 months
Details As low as; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Auto Loan	-	-	4.49%	Up to 60 months
Details As low as 4.49%*; Maximum: $75,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Auto Loans	-	-	4.74%	84 months
Details As low as; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Auto Loan	-	-	4.74%	Up to 72 months
Details As low as 4.74%*; Maximum: $75,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Auto Loan	-	-	4.99%	84 months
Details As low as 4.99%*; Maximum: $75,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Leisure Vehicle Loan	-	-	5.99%	Up to 36 months
Details As low as; ***; Maximum Loan Amount: $300,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Leisure Vehicle Loan	-	-	6.00%
Details 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 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Leisure Vehicle Loan	-	-	6.24%	Up to 48 months
Details As low as; ***; Maximum Loan Amount: $300,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Leisure Vehicle Loan	-	-	6.49%	Up to 60 months
Details As low as; ***; Maximum Loan Amount: $300,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Leisure Vehicle Loan	-	-	6.49%	Up to 36 months
Details As low as 6.49%*; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Leisure Vehicle Loan	-	-	6.74%	Up to 72 months
Details As low as; ***; Maximum Loan Amount: $300,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Leisure Vehicle Loan	-	-	6.74%	Up to 48 months
Details As low as 6.74%*; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Leisure Vehicle Loan	-	-	6.99%	Up to 84 months
Details As low as; ***; Maximum Loan Amount: $300,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Leisure Vehicle Loan	-	-	6.99%	Up to 60 months
Details As low as 6.99%*; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Leisure Vehicle Loan	-	-	7.24%	Up to 96 months
Details As low as; ***; Maximum Loan Amount: $300,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Leisure Vehicle Loan	-	-	7.24%	Up to 72 months
Details As low as 7.24%*; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Leisure Vehicle Loan	-	-	7.49%	Up to 120 months
Details As low as; ***; Maximum Loan Amount: $300,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Leisure Vehicle Loan	-	-	7.49%	Up to 84 months
Details As low as 7.49%*; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Leisure Vehicle Loan	-	-	7.74%	Up to 96 months
Details As low as 7.74%*; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Leisure Vehicle Loan	-	-	7.99%	Up to 120 months
Details As low as 7.99%*; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Leisure Vehicle Loan	-	-	8.49%	Up to 180 months
Details As low as; ***; Maximum Loan Amount: $300,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Used Leisure Vehicle Loan	-	-	8.99%	Up to 180 months
Details As low as 8.99%*; Maximum: $150,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
New Leisure Vehicle Loan	-	-	9.49%	Up to 240 months
Details As low as; ***; Maximum Loan Amount: $300,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%

United States Senate Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Smart Rate	-	11.75%
Details Rate: Prime + Variable; This APR will vary with the market based on the Prime Rate. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Visa Smart Rate - Balance Transfers	-	11.75%
Details This APR will vary with the market based on the Prime Rate. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Visa Smart Rate - Cash Advances	-	11.75%
Details This APR will vary with the market based on the Prime Rate. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Visa Smart Rate - Purchases	-	11.75%
Details This APR will vary with the market based on the Prime Rate. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Visa Smart Rewards	-	12.75%
Details Rate: Prime + Variable; This APR will vary with the market based on the Prime Rate. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Visa Smart Rewards - Balance Transfers	-	12.75%
Details This APR will vary with the market based on the Prime Rate. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Visa Smart Rewards - Cash Advances	-	12.75%
Details This APR will vary with the market based on the Prime Rate. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Visa Smart Rewards - Purchases	-	12.75%
Details This APR will vary with the market based on the Prime Rate. Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%

United States Senate Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Home Improvement Loan	7.74%	up to 60 Months
Details Maximum: $125,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Personal Home Improvement Loan	7.99%	Up to 72 Months
Details Maximum: $125,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Personal Home Improvement Loan	8.24%	Up to 108 Months
Details Maximum: $125,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Personal Home Improvement Loan	8.49%	Up to 144 Months
Details Maximum: $125,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Personal Home Improvement Loan	9.49%	Up to 240 Months
Details Maximum: $125,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Personal Loan	9.49%	Up to 24 months
Details As low as**; Minimum: $250, Maximum: $70,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Personal Loan	9.74%	Up to 36 months
Details As low as**; Minimum: $250, Maximum: $70,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Personal Loan	9.99%	Up to 48 months
Details As low as**; Minimum: $250, Maximum: $70,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Personal Loan	10.24%	Up to 60 months
Details As low as**; Minimum: $250, Maximum: $70,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Personal Loan	10.49%	Up to 72 months
Details As low as**; Minimum: $250, Maximum: $70,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%
Personal Loan	11.24%	Up to 84 months
Details As low as**; Minimum: $250, Maximum: $70,000 Last Updated 08/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

United States Senate Federal Credit Union’s Texas Ratio rose from 3.74% in Q2 2023 to 13.40% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$1.5B	13.40%	5.0	A
December 31, 2025	$1.5B	14.62%	5.0	A-
September 30, 2025	$1.5B	12.55%	5.0	A
June 30, 2025	$1.5B	11.00%	5.0	A
March 31, 2025	$1.5B	7.73%	5.0	A
December 31, 2024	$1.5B	6.09%	5.0	A
September 30, 2024	$1.5B	5.40%	5.0	A+
June 30, 2024	$1.6B	5.47%	5.0	A+
March 31, 2024	$1.6B	5.05%	5.0	A+
December 31, 2023	$1.5B	6.35%	5.0	A
September 30, 2023	$1.4B	4.43%	5.0	A+
June 30, 2023	$1.3B	3.74%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for United States Senate Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather United States Senate Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with United States Senate Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United States Senate Federal Credit Union

Website https://www.ussfcu.org

Address 1310 Braddock Pl, Alexandria, VA 22314-1691

Phone 703-329-8466

Fax 703-329-4955

President James Moore

CEO Timothy Anderson

Full-Time Employees 163

Part-Time Employees 0

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (93/100)

Texas Ratio

13.40%

Return on Assets (ROA)

-0.0198%

Return on Equity (ROE)

-0.2649%

Non-Performing Loans Ratio (NPL)

1.51%

Total Assets

1,548,896,589

Total Amount of Shares and Deposits

1,427,823,793

Total Shares and Deposits < 1 Year

1,006,106,557

Total Shares and Deposits 1 3 Years

390,618,007

Total Shares and Deposits > 3 Years

31,099,229

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

171,643,702

Total Uninsured Shares and Deposits > $250K (F+J)

171,643,702

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,256,180,091

Total Interest Expense (Sum of items 6 8)

9,358,138

Share Certificates

7,890

Number of Accounts for Share Drafts

26,609

IRA KEOGH Accounts

2,816

Number of Accounts for Regular Shares

53,944

Money Market Shares

5,933

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

296,372,193

Total Liabilities

1,438,823,932

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

United States Senate Federal Credit Union earned the Verified Healthy badge

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Total Reviews

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Frequently Asked Questions About United States Senate Federal Credit Union

How many branches does United States Senate Federal Credit Union operate?

United States Senate Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join United States Senate Federal Credit Union?

Yes, to access services at United States Senate Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, United States Senate Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, United States Senate Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does United States Senate Federal Credit Union offer online and mobile banking?

Most modern institutions like United States Senate Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ussfcu.org.

Current United States Senate Federal Credit Union Rates

12-Month CD2.53%
24-Month CD2.58%
60-Month CD2.63%
Savings0.05%
MMA0.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

United States Senate Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

United States Senate Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About United States Senate Federal Credit Union

How many branches does United States Senate Federal Credit Union operate?

Is a member application needed to join United States Senate Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does United States Senate Federal Credit Union offer online and mobile banking?

Current United States Senate Federal Credit Union Rates

Compare to Other Credit Unions