Putting People First: Benefits for Our Members, Not Our Bottom Line
United States Senate Federal Credit Union
Stability, Security & Service since 1935.
People Over Profit: The Credit Union Difference
Wednesday, October 16 | 6:00 PM ET
Join us as we celebrate International Credit Union Day and USSFCU’s 89th anniversary! Discover how credit unions, like USSFCU, put people first by prioritizing financial wellness over profits. Learn about the unique benefits of membership, community support, and how to make the most of your credit union journey.
When it comes to managing your finances, choosing the right financial institution can make all the difference. Unlike big banks driven by profit, credit unions like USSFCU operate with a not-for-profit structure, putting members’ interests at the forefront. With a mission centered around "people helping people," credit unions are designed to offer lower fees, competitive interest rates, and personalized service that you may not find at a traditional bank.
At USSFCU, we’re proud to provide our members with banking that’s transparent, affordable, and tailored to their needs. As part of a credit union, members are part-owners who benefit directly from the services offered. From fee-free checking accounts to early access to your paycheck, here’s how USSFCU membership helps you make the most of your finances.
1. Fee-Free Checking: Simplifying Everyday Banking
No one likes unexpected fees, and with our Senate Checking Account , you won’t have to worry about them. Designed to keep your money working for you, our checking account includes:
2. No Overdraft and NSF Fees: Extra Coverage When It’s Needed Most
We know life can throw curveballs. That’s why our Courtesy Pay Program (CPP) is here to give you some flexibility if you need it, covering overdrafts up to $500 for Senate Checking (and up to $1,000 for Gold Source Checking) as long as your account remains in good standing. This is a courtesy, free of charge, that can be a helpful safety net in times of need.
3. Exclusive Relationship Discounts on Select Loans
Your loyalty deserves rewards. USSFCU offers a Relationship Discount Program, where eligible members can receive up to a 0.50% rate discount on select loans by using certain services. These discounts apply to loans like auto, personal, and leisure vehicle loans. Learn more at ussfcu.org/discount .
4. Educational Resources and Financial Guidance
Your USSFCU membership goes beyond banking; it’s also about empowering you to make informed financial choices. Our Best Life Financial Empowerment Center is packed with resources on topics like building and repairing credit, safe financing, saving for and managing college expenses and so much more.
To further support your financial journey, we offer Weekly Wednesday Webinars where members can join live sessions on a range of topics, from budgeting and credit building to understanding loans and investments. Each webinar includes a Q&A segment, so you can get answers to your specific questions in real-time. Plus, every session is designed to help you gain practical knowledge and tools to make the most of your financial future.
For those looking to go deeper, our partnership with ?GreenPath Financial Wellness provides members with free access to confidential counseling on debt management, budgeting, and more.
5. Skip-A-Payment Option: Flexibility When You Need It
When life gets hectic, our Skip-A-Pay program allows eligible members to take a break from certain loan payments. This feature, available through online banking, lets you skip a payment on qualifying loans with just a few simple clicks. Here’s how:
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This flexibility can help you navigate unexpected expenses or manage your budget with ease.
6. Quick Card Management and Security
Losing a card can be stressful, but USSFCU makes it easy to lock, report, and replace your card to keep your finances safe. Here’s what to do if you lose your card:
Or, manage it yourself through myUSSFCU ?by navigating to “Card Management ” to lock your card or report it lost or stolen. For a replacement, you can stop by a branch for an instant issuance or reach out to Member Services.
7. Early Direct Deposit: Access Your Paycheck Sooner
With Early Direct Deposit , you can access your paycheck up to two days earlier than usual, giving you quicker access to your funds and more control over your cash flow. It’s just one more way we make banking convenient and flexible.
8. Surcharge-Free ATMs and a Nationwide Network of Shared Branches
No matter where you are, USSFCU gives you access to over 100,000 surcharge-free ATMs and more than 5,000 shared branches. This extensive network makes it easy for you to access your money without fees when you need it. To locate nearby ATMs or shared branches, text your ZIP code to 91989 or use our ATM locator at ussfcu.org/atms .
9. Financial Advisory Services from Fellows Financial Group
Through our partnership with Fellows Financial Group , USSFCU members have access to professional financial advisory and planning services tailored to individual or business needs. Whether you’re thinking about retirement, saving for your child’s education, or planning your investments, Fellows advisors are available to help you design a personalized strategy for your financial future. Give them a?call at 571.205.1515, send them an?email, or?schedule a video consultation at no charge to you.
These are just some of the many ways USSFCU supports you on your financial journey. As a member, you’re part of a community that’s here to help you save, grow, and achieve your financial goals without the hassle and fees found at traditional banks.
Enjoy all that your membership has to offer and share the benefits with family today!To celebrate our 89th anniversary, we’re offering a special referral promo throughout October! When you sponsor a family member to join USSFCU, both of you will receive $89 once they open an account. There’s no limit—invite as many family members as you like, and both you and each new member will enjoy this anniversary bonus. Learn More
Join Our Upcoming Webinar: People Over Profit – The Credit Union Difference
Wednesday, October 16 | 6:00 PM ET
Explore how credit unions, like USSFCU, prioritize financial wellness over profits, focusing on community support, member benefits, and how to make the most of your credit union journey. Plus, one lucky attendee will win a $100 gift card—but you must be present to win!
Benefit and service terms and conditions may apply. All loans subject to credit approval. Not all applicants will qualify. Rates and/or credit limits are based on creditworthiness, income and debts.