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United States Senate Federal Credit Union Rates & Review April 2026

United States Senate Federal Credit Union's 60 month Plus Jumbo Smart CDs (including IRA CDs) rates are at 3.56%, Business CDs 60 month Plus Jumbo rates are at 3.56%, 60 month Business CDs Plus Jumbo rates are at 3.56%, 60 month Smart CDs (including IRA CDs) Plus Jumbo rates are at 3.56%, 48 month Plus Jumbo Smart CDs (including IRA CDs) rates are at 3.51%. 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%. 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 13.61%. Rates were last updated on 04/11/2026.

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.

Overall Health & Safety Grade ?
A
Excellent Health Score: 93/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
13.61%
Excellent Higher than avg
United States Senate Federal Credit Union
Bertie Bowman Building
1310 Braddock Pl
Alexandria, VA 22314 1691
https://www.ussfcu.org
Member NCUA

United States Senate Federal Credit Union CD Rates

Product Rate APY Term View More
60 month Plus Jumbo Smart Share Certificates (including IRA Certificates) 3.50% 3.56% 60
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 60 month Plus Jumbo 3.50% 3.56% 60
Min Balance $200,000
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Business Share Certificates Plus Jumbo 3.50% 3.56% 60 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Smart Share Certificates (including IRA Certificates) Plus Jumbo 3.50% 3.56% 60 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Plus Jumbo Smart Share Certificates (including IRA Certificates) 3.45% 3.51% 48
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Smart Share Certificates (including IRA Certificates) 3.45% 3.51% 60
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Business Share Certificates 3.45% 3.51% 60 months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 48 month Plus Jumbo 3.45% 3.51% 48
Min Balance $200,000
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 60 month 3.45% 3.51% 60
Min Balance $100,000
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Business Share Certificates Plus Jumbo 3.45% 3.51% 48 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Smart Share Certificates (including IRA Certificates) 3.45% 3.51% 60 months
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Smart Share Certificates (including IRA Certificates) Plus Jumbo 3.45% 3.51% 48 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Plus Jumbo Smart Share Certificates (including IRA Certificates) 3.40% 3.46% 36
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Smart Share Certificates (including IRA Certificates) 3.40% 3.46% 48
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month less than Smart Share Certificates (including IRA Certificates) 3.40% 3.46% 60
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Business Bump Rate Certificates Plus Jumbo 3.40% 3.46% 60 Months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Business Share Certificates 3.40% 3.46% 48 months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 36 month Plus Jumbo 3.40% 3.46% 36
Min Balance $200,000
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 48 month 3.40% 3.46% 48
Min Balance $100,000
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 60 month less than 3.40% 3.46% 60
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Business Share Certificates less than 3.40% 3.46% 60 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Business Share Certificates Plus Jumbo 3.40% 3.46% 36 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Personal Bump Rate Certificate Plus Jumbo 3.40% 3.46% 60 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Smart Share Certificates (including IRA Certificates) 3.40% 3.46% 48 months
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Smart Share Certificates (including IRA Certificates) less than 3.40% 3.46% 60 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Smart Share Certificates (including IRA Certificates) Plus Jumbo 3.40% 3.46% 36 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
24 month Plus Jumbo Smart Share Certificates (including IRA Certificates) 3.35% 3.41% 24
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Smart Share Certificates (including IRA Certificates) 3.35% 3.41% 36
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month less than Smart Share Certificates (including IRA Certificates) 3.35% 3.41% 48
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Business Bump Rate Certificates 3.35% 3.41% 60 Months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Business Bump Rate Certificates Plus Jumbo 3.35% 3.41% 48 Months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Business Share Certificates 3.35% 3.41% 36 months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 24 month Plus Jumbo 3.35% 3.41% 24
Min Balance $200,000
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 36 month 3.35% 3.41% 36
Min Balance $100,000
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 48 month less than 3.35% 3.41% 48
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Business Share Certificates less than 3.35% 3.41% 48 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
24 month Business Share Certificates Plus Jumbo 3.35% 3.41% 24 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Personal Bump Rate Certificate 3.35% 3.41% 60 months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Personal Bump Rate Certificate Plus Jumbo 3.35% 3.41% 48 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Smart Share Certificates (including IRA Certificates) 3.35% 3.41% 36 months
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Smart Share Certificates (including IRA Certificates) less than 3.35% 3.41% 48 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
24 month Smart Share Certificates (including IRA Certificates) Plus Jumbo 3.35% 3.41% 24 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
12 month Plus Jumbo Smart Share Certificates (including IRA Certificates) 3.30% 3.35% 12
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
24 month Smart Share Certificates (including IRA Certificates) 3.30% 3.35% 24
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month less than Smart Share Certificates (including IRA Certificates) 3.30% 3.35% 36
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Business Bump Rate Certificates 3.30% 3.35% 48 Months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Business Bump Rate Certificates Less than 3.30% 3.35% 60 Months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Business Bump Rate Certificates Plus Jumbo 3.30% 3.35% 36 Months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
24 month Business Share Certificates 3.30% 3.35% 24 months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 12 month Plus Jumbo 3.30% 3.35% 12
Min Balance $200,000
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 24 month 3.30% 3.35% 24
Min Balance $100,000
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 36 month less than 3.30% 3.35% 36
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Business Share Certificates less than 3.30% 3.35% 36 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
12 month Business Share Certificates Plus Jumbo 3.30% 3.35% 12 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Personal Bump Rate Certificate 3.30% 3.35% 48 months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
60 month Personal Bump Rate Certificate less than 3.30% 3.35% 60 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Personal Bump Rate Certificate Plus Jumbo 3.30% 3.35% 36 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
24 month Smart Share Certificates (including IRA Certificates) 3.30% 3.35% 24 months
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Smart Share Certificates (including IRA Certificates) less than 3.30% 3.35% 36 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
12 month Smart Share Certificates (including IRA Certificates) Plus Jumbo 3.30% 3.35% 12 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
12 month Smart Share Certificates (including IRA Certificates) 3.25% 3.30% 12
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
24 month less than Smart Share Certificates (including IRA Certificates) 3.25% 3.30% 24
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
6 month Plus Jumbo Smart Share Certificates (including IRA Certificates) 3.25% 3.30% 6
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Business Bump Rate Certificates 3.25% 3.30% 36 Months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Business Bump Rate Certificates Less than 3.25% 3.30% 48 Months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
12 month Business Share Certificates 3.25% 3.30% 12 months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 12 month 3.25% 3.30% 12
Min Balance $100,000
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 24 month less than 3.25% 3.30% 24
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 6 month Plus Jumbo 3.25% 3.30% 6
Min Balance $200,000
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
24 month Business Share Certificates less than 3.25% 3.30% 24 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
6 month Business Share Certificates Plus Jumbo 3.25% 3.30% 6 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Personal Bump Rate Certificate 3.25% 3.30% 36 months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
48 month Personal Bump Rate Certificate less than 3.25% 3.30% 48 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
12 month Smart Share Certificates (including IRA Certificates) 3.25% 3.30% 12 months
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
24 month Smart Share Certificates (including IRA Certificates) less than 3.25% 3.30% 24 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
6 month Smart Share Certificates (including IRA Certificates) Plus Jumbo 3.25% 3.30% 6 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
12 month less than Smart Share Certificates (including IRA Certificates) 3.20% 3.25% 12
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
6 month Smart Share Certificates (including IRA Certificates) 3.20% 3.25% 6
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Business Bump Rate Certificates Less than 3.20% 3.25% 36 Months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
6 month Business Share Certificates 3.20% 3.25% 6 months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 12 month less than 3.20% 3.25% 12
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 6 month 3.20% 3.25% 6
Min Balance $100,000
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
12 month Business Share Certificates less than 3.20% 3.25% 12 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
36 month Personal Bump Rate Certificate less than 3.20% 3.25% 36 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
6 month Smart Share Certificates (including IRA Certificates) 3.20% 3.25% 6 months
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
12 month Smart Share Certificates (including IRA Certificates) less than 3.20% 3.25% 12 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
6 month less than Smart Share Certificates (including IRA Certificates) 3.15% 3.20% 6
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 6 month less than 3.15% 3.20% 6
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
6 month Business Share Certificates less than 3.15% 3.20% 6 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
6 month Smart Share Certificates (including IRA Certificates) less than 3.15% 3.20% 6 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
3 month Plus Jumbo Smart Share Certificates (including IRA Certificates) 1.30% 1.31% 3
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 3 month Plus Jumbo 1.30% 1.31% 3
Min Balance $200,000
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
3 month Business Share Certificates Plus Jumbo 1.30% 1.31% 3 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
3 month Smart Share Certificates (including IRA Certificates) Plus Jumbo 1.30% 1.31% 3 months
Details $200,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
3 month Smart Share Certificates (including IRA Certificates) 1.25% 1.26% 3
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
3 month Business Share Certificates 1.25% 1.26% 3 months
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 3 month 1.25% 1.26% 3
Min Balance $100,000
Details $100,000 - $199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
3 month Smart Share Certificates (including IRA Certificates) 1.25% 1.26% 3 months
Details $100,000 -$199,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
3 month less than Smart Share Certificates (including IRA Certificates) 1.20% 1.21% 3
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Share Certificates 3 month less than 1.20% 1.21% 3
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
3 month Business Share Certificates less than 1.20% 1.21% 3 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
3 month Smart Share Certificates (including IRA Certificates) less than 1.20% 1.21% 3 months
Details $99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%

United States Senate Federal Credit Union Savings Rates

Product Rate APY View More
ROTH, Traditional & SEP IRA Savings 0.50% 0.50%
Min Balance $0
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Savings 0.05% 0.05%
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Holiday Club Savings Share 0.05% 0.05%
Min Balance $5
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Primary Savings Share 0.05% 0.05%
Min Balance $5
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Youth Savings Share 0.05% 0.05%
Min Balance $5
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%

United States Senate Federal Credit Union Money Market Rates

Product Rate APY View More
Business Money Market 0.80% 0.80%
Min Balance $500,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market Tier IX 0.80% 0.80%
Min Balance $500,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Senate Money Market Share 0.80% 0.80%
Min Balance $500,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market 0.75% 0.75%
Min Balance $250,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market Tier VIII 0.75% 0.75%
Min Balance $250,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Senate Money Market Share 0.75% 0.75%
Min Balance $250,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market 0.70% 0.70%
Min Balance $150,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market Tier VII 0.70% 0.70%
Min Balance $150,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Senate Money Market Share 0.70% 0.70%
Min Balance $150,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market 0.65% 0.65%
Min Balance $100,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market Tier VI 0.65% 0.65%
Min Balance $100,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Senate Money Market Share 0.65% 0.65%
Min Balance $100,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market 0.60% 0.60%
Min Balance $75,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market Tier V 0.60% 0.60%
Min Balance $75,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Senate Money Market Share 0.60% 0.60%
Min Balance $75,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market 0.55% 0.55%
Min Balance $40,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market Tier IV 0.55% 0.55%
Min Balance $40,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Senate Money Market Share 0.55% 0.55%
Min Balance $40,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market 0.50% 0.50%
Min Balance $20,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market Tier III 0.50% 0.50%
Min Balance $20,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Senate Money Market Share 0.50% 0.50%
Min Balance $20,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market 0.45% 0.45%
Min Balance $10,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market Tier II 0.45% 0.45%
Min Balance $10,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Senate Money Market Share 0.45% 0.45%
Min Balance $10,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market 0.40% 0.40%
Min Balance $2,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Business Money Market Tier I 0.40% 0.40%
Min Balance $2,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Senate Money Market Share 0.40% 0.40%
Min Balance $2,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%

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 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%

United States Senate Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - - 6.63% 60
Details Minimum Loan Amount: $400,001; Maximum Loan Amount: $500,000; Loan to Value (LTV) Up to 80%
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Classic Line Home Equity Line of Credit - - 6.75%
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Smart Line Home Equity Line of Credit - - 6.75%
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Home Equity Loan - - 6.88% 120
Details Minimum Loan Amount: $400,001; Maximum Loan Amount: $500,000; Loan to Value (LTV) Up to 80%
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Home Equity Loan - - 7.13% 180
Details Minimum Loan Amount: $400,001; Maximum Loan Amount: $500,000; Loan to Value (LTV) Up to 80%
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Home Equity Loan - - 7.38% 60
Details Minimum Loan Amount: $7,500; Maximum Loan Amount: $400,000; Loan to Value (LTV) Up to 90%
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Home Equity Loan - - 7.63% 120
Details Minimum Loan Amount: $7,500; Maximum Loan Amount: $400,000; Loan to Value (LTV) Up to 90%
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Home Equity Loan - - 7.88% 180
Details Minimum Loan Amount: $7,500; Maximum Loan Amount: $400,000; Loan to Value (LTV) Up to 90%
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%

United States Senate Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loans - - 4.24% 36
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
New Auto Loans - - 4.49% 48
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Used Auto Loan - - 4.49% 36
Details As Low As; Maximum: $75,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
New Auto Loans - - 4.74% 60
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Used Auto Loan - - 4.74% 48
Details As Low As; Maximum: $75,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
New Auto Loans - - 4.99% 72
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Used Auto Loan - - 4.99% 60
Details As Low As; Maximum: $75,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
New Auto Loans - - 5.24% 84
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Used Auto Loan - - 5.24% 72
Details As Low As; Maximum: $75,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Used Auto Loan - - 5.49% 84
Details As Low As; Maximum: $75,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%

United States Senate Federal Credit Union Credit Card Rates

Product Rate APR View More
Smart Rate Visa - 11.75%
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Visa Smart Rate - 11.75%
Details This APR will vary with the market based on the Prime Rate(1).
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Visa Smart Rewards - 12.75%
Details This APR will vary with the market based on the Prime Rate (1).
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%

United States Senate Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal Home Improvement Loan - 7.74%
Details Minimum: $250; Maximum: $125,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Personal Home Loan - 7.74%
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Personal Home Improvement Loan - 7.99%
Details Minimum: $250; Maximum: $125,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Personal Home Improvement Loan - 8.24%
Details Minimum: $250; Maximum: $125,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Personal Home Improvement Loan - 8.49%
Details Minimum: $250; Maximum: $125,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Personal Home Improvement Loan - 9.49%
Details Minimum: $250; Maximum: $125,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Personal Loan - 9.49%
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Personal Loan - 9.74%
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Personal Loan - 9.99%
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Personal Loan - 10.24%
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Personal Loan - 10.49%
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%
Personal Loan - 11.24%
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.61%

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
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 162
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
13.61%
Return on Assets (ROA)
0.1712%
Return on Equity (ROE)
2.1888%
Non-Performing Loans Ratio (NPL)
1.43%
Total Assets
1,501,466,372
Total Amount of Shares and Deposits
1,381,038,526
Total Shares and Deposits < 1 Year
786,517,903
Total Shares and Deposits 1 3 Years
349,044,120
Total Shares and Deposits > 3 Years
245,476,502
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
154,439,977
Total Uninsured Shares and Deposits > $250K (F+J)
154,439,977
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,226,598,549
Total Interest Expense (Sum of items 6 8)
30,103,563
Share Certificates
8,124
Number of Accounts for Share Drafts
26,379
IRA KEOGH Accounts
2,880
Number of Accounts for Regular Shares
53,814
Money Market Shares
5,956
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
228,803,930
Total Liabilities
1,390,129,765
Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About United States Senate Federal Credit Union

Is United States Senate Federal Credit Union a safe place to deposit money?

Yes, United States Senate Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 13.609544101148%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

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 CD3.25%
  • 24-Month CD3.30%
  • 60-Month CD3.35%
  • Savings0.05%
  • MMA0.40%
Retrieved from our database of financial products. Rates subject to change.