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United States Senate Federal Credit Union

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United States Senate Federal Credit Union Rates & Review November 2026

Q: 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: 2.79%, 24-Month CD: 2.84%, 60-Month CD: 2.89%, Savings: 0.50%, MMA: 0.80%

Q: What CD terms does United States Senate Federal Credit Union offer?

United States Senate Federal Credit Union CD rates are 2.89% APY for a 12 month CD, 2.94% APY for a 2 year CD, 2.99% APY for a 3 year CD, 3.05% APY for a 4 year CD and 3.10% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with United States Senate Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

United States Senate Federal Credit Union's 60 Month Smart CD rates are at 3.10%, 48 Month Smart CD rates are at 3.05%, 36 Month Smart CD rates are at 2.99%, 24 Month Smart CD rates are at 2.94%, 12 Month Smart CD rates are at 2.89%. United States Senate Federal Credit Union's savings rates are at 0.50%. United States Senate Federal Credit Union's money market rates are at 0.80%. United States Senate Federal Credit Union's checking rates are as high as 0.05%. United States Senate Federal Credit Union's Personal Loan Rates are as low as 7.74%. United States Senate Federal Credit Union's Credit Card Rates are at 12.00%. United States Senate Federal Credit Union's CD rates are 5% lower than the MonitorBankRates national average, and it has an A health rating. 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 13.71%. Rates last updated and verified on 10/31/2026.

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

13.71%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

United States Senate Federal Credit Union
Bertie Bowman Building

1310 Braddock Pl
Alexandria, VA 22314-1691

https://www.ussfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

United States Senate Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Smart Share Certificate	3.05%	3.10%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $200,000 Plus Jumbo; Type of Account: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
60 Month Smart Share Certificate	3.05%	3.10%	60 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000 Plus Jumbo; Includes IRA Certificates Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48 Month Smart Share Certificate	3.00%	3.05%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $200,000 Plus Jumbo; Type of Account: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48 Month Smart Share Certificate	3.00%	3.05%	48 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000 Plus Jumbo; Includes IRA Certificates Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
60 Month Smart Share Certificate	3.00%	3.05%	60 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 -$199,999; Type of Account: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
36 Month Smart Share Certificate	2.95%	2.99%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $200,000 Plus Jumbo; Type of Account: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
36 Month Smart Share Certificate	2.95%	2.99%	36 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000 Plus Jumbo; Includes IRA Certificates Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.99% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48 Month Smart Share Certificate	2.95%	2.99%	48 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 -$199,999; Type of Account: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 2.99% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
60 Month Personal Bump Rate Certificate	2.95%	2.99%	60 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.99% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
60 Month Smart Share Certificate	2.95%	2.99%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: less than $99,999; Type of Account: less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
24 Month Smart Share Certificate	2.90%	2.94%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $200,000 Plus Jumbo; Type of Account: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
24 Month Smart Share Certificate	2.90%	2.94%	24 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000 Plus Jumbo; Includes IRA Certificates Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.94% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
36 Month Smart Share Certificate	2.90%	2.94%	36 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 -$199,999; Type of Account: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 2.94% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48 Month Personal Bump Rate Certificate	2.90%	2.94%	48 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.94% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48 Month Smart Share Certificate	2.90%	2.94%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: less than $99,999; Type of Account: less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
60 Month Personal Bump Rate Certificate	2.90%	2.94%	60 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 2.94% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
12 Month Smart Share Certificate	2.85%	2.89%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $200,000 Plus Jumbo; Type of Account: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.89% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
12 Month Smart Share Certificate	2.85%	2.89%	12 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000 Plus Jumbo; Includes IRA Certificates Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.89% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
24 Month Smart Share Certificate	2.85%	2.89%	24 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 -$199,999; Type of Account: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 2.89% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
36 Month Personal Bump Rate Certificate	2.85%	2.89%	36 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.89% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
36 Month Smart Share Certificate	2.85%	2.89%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: less than $99,999; Type of Account: less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.89% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48 Month Personal Bump Rate Certificate	2.85%	2.89%	48 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 2.89% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
60 Month Personal Bump Rate Certificate	2.85%	2.89%	60 months
Min Balance $1,000 Details Balance: less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.89% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
12 Month Smart Share Certificate	2.80%	2.84%	12 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 -$199,999; Type of Account: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 2.84% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
24 Month Smart Share Certificate	2.80%	2.84%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: less than $99,999; Type of Account: less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.84% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
36 Month Personal Bump Rate Certificate	2.80%	2.84%	36 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 2.84% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48 Month Personal Bump Rate Certificate	2.80%	2.84%	48 months
Min Balance $1,000 Details Balance: less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.84% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
12 Month Smart Share Certificate	2.75%	2.79%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: less than $99,999; Type of Account: less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.79% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
36 Month Personal Bump Rate Certificate	2.75%	2.79%	36 months
Min Balance $1,000 Details Balance: less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.79% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
6 Month Smart Share Certificate	2.60%	2.63%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $200,000 Plus Jumbo; Type of Account: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.63% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
6 Month Smart Share Certificate	2.60%	2.63%	6 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000 Plus Jumbo; Includes IRA Certificates Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.63% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
6 Month Smart Share Certificate	2.55%	2.58%	6 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 -$199,999; Type of Account: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 2.58% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
6 Month Smart Share Certificate	2.50%	2.53%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: less than $99,999; Type of Account: less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
3 Month Smart Share Certificate	1.10%	1.11%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $200,000 Plus Jumbo; Type of Account: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 1.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
3 Month Smart Share Certificate	1.10%	1.11%	3 months
Min Deposit $1,000 Min Balance $200,000 Details Balance: $200,000 Plus Jumbo; Includes IRA Certificates Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 1.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
3 Month Smart Share Certificate	1.05%	1.06%	3 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 -$199,999; Type of Account: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Sep 27, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
3 Month Smart Share Certificate	1.00%	1.01%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: less than $99,999; Type of Account: less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 1.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

United States Senate Federal Credit Union Business CD Rates

Product	Rate	APY	Term
60 Month Business Share Certificates	3.05%	3.10%	60 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48 Month Business Share Certificates	3.00%	3.05%	48 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
60 Month Business Share Certificates	3.00%	3.05%	60 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
36 Month Business Share Certificates	2.95%	2.99%	36 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.99% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48 Month Business Share Certificates	2.95%	2.99%	48 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 2.99% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
60 Month Business Bump Rate Certificates	2.95%	2.99%	60 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 60 month	2.95%	2.99%	60 months
Details Balance: less than $99,999 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 3.05% → 2.99% ▼ 0.06 pts · high 3.05% / low 2.99% Sep 24, 20262.99%▼ from 3.05% Sep 18, 20263.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
24 Month Business Share Certificates	2.90%	2.94%	24 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
36 Month Business Share Certificates	2.90%	2.94%	36 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 2.94% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48 Month Business Bump Rate Certificates	2.90%	2.94%	48 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
60 Month Business Bump Rate Certificates	2.90%	2.94%	60 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.94% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 48 month	2.90%	2.94%	48 months
Details Balance: less than $99,999 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 2.99% → 2.94% ▼ 0.05 pts · high 2.99% / low 2.94% Sep 24, 20262.94%▼ from 2.99% Sep 18, 20262.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
12 Month Business Share Certificates	2.85%	2.89%	12 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
24 Month Business Share Certificates	2.85%	2.89%	24 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 2.89% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
36 Month Business Bump Rate Certificates	2.85%	2.89%	36 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.89% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48 Month Business Bump Rate Certificates	2.85%	2.89%	48 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.89% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
60 Month Business Bump Rate Certificates	2.85%	2.89%	60 months
Details Balance: Less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 36 month	2.85%	2.89%	36 months
Details Balance: less than $99,999 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 2.94% → 2.89% ▼ 0.05 pts · high 2.94% / low 2.89% Sep 24, 20262.89%▼ from 2.94% Sep 18, 20262.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
12 Month Business Share Certificates	2.80%	2.84%	12 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 2.84% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
36 Month Business Bump Rate Certificates	2.80%	2.84%	36 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 2.84% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
48 Month Business Bump Rate Certificates	2.80%	2.84%	48 months
Details Balance: Less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.84% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 24 month	2.80%	2.84%	24 months
Details Balance: less than $99,999 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 2.89% → 2.84% ▼ 0.05 pts · high 2.89% / low 2.84% Sep 24, 20262.84%▼ from 2.89% Sep 18, 20262.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
36 Month Business Bump Rate Certificates	2.75%	2.79%	36 months
Details Balance: Less than $99,999 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.79% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 12 month	2.75%	2.79%	12 months
Details Balance: less than $99,999 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 2.84% → 2.79% ▼ 0.05 pts · high 2.84% / low 2.79% Sep 24, 20262.79%▼ from 2.84% Sep 18, 20262.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
6 Month Business Share Certificates	2.60%	2.63%	6 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 2.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
6 Month Business Share Certificates	2.55%	2.58%	6 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 2.58% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 6 month	2.50%	2.53%	6 months
Details Balance: less than $99,999 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 2.58% → 2.53% ▼ 0.05 pts · high 2.58% / low 2.53% Sep 24, 20262.53%▼ from 2.58% Sep 18, 20262.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
3 Month Business Share Certificates	1.10%	1.11%	3 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 1.11% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
3 Month Business Share Certificates	1.05%	1.06%	3 months
Min Balance $100,000 Details Balance: $100,000 - $199,999 Last Updated 10/31/2026 Rate History No change since Oct 7, 2026 · 1.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 3 month	1.00%	1.01%	3 months
Details Balance: less than $99,999 Last Updated 10/31/2026 Rate History 1 change since Sep 18, 2026 · 1.06% → 1.01% ▼ 0.05 pts · high 1.06% / low 1.01% Sep 24, 20261.01%▼ from 1.06% Sep 18, 20261.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

United States Senate Federal Credit Union Savings Rates

Product	Rate	APY
Senate Money Market Share	0.80%	0.80%
Min Balance $500,000 Details Balance: $500,000 and over Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.75%	0.75%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.70%	0.70%
Min Balance $150,000 Details Balance: $150,000 - $249,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.65%	0.65%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.60%	0.60%
Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.55%	0.55%
Min Balance $40,000 Details Balance: $40,000 - $74,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
ROTH, Traditional & SEP IRA Savings	0.50%	0.50%
Min Balance $0 Details Balance: $0.00 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.50%	0.50%
Min Balance $20,000 Details Balance: $20,000 - $39,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.45%	0.45%
Min Balance $10,000 Details Balance: $10,000 - $19,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.40%	0.40%
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Holiday Club Savings Share	0.05%	0.05%
Min Balance $5 Details Balance: $5.00 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Primary Savings Share	0.05%	0.05%
Min Balance $5 Details Balance: $5.00 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Youth Savings Share	0.05%	0.05%
Min Balance $5 Details Balance: $5.00 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

United States Senate Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	0.05%	0.05%
Details APY* Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Savings - Non-dividend Bearing Accounts	0.00%	0.00%
Details Non-dividend bearing account Last Updated 10/31/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

United States Senate Federal Credit Union Money Market Rates

Product	Rate	APY
Senate Money Market Share	0.80%	0.80%
Min Balance $500,000 Details Balance: $500,000 and over Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.75%	0.75%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.70%	0.70%
Min Balance $150,000 Details Balance: $150,000 - $249,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.65%	0.65%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.60%	0.60%
Min Balance $75,000 Details Balance: $75,000 - $99,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.55%	0.55%
Min Balance $40,000 Details Balance: $40,000 - $74,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.50%	0.50%
Min Balance $20,000 Details Balance: $20,000 - $39,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.45%	0.45%
Min Balance $10,000 Details Balance: $10,000 - $19,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Senate Money Market Share	0.40%	0.40%
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

United States Senate Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	0.80%	0.80%
Min Balance $500,000 Details Tier IX; Balance: > $500,000 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Money Market	0.75%	0.75%
Min Balance $250,000 Details Tier VIII; Balance: $250,000 - $499,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Money Market	0.70%	0.70%
Min Balance $150,000 Details Tier VII; Balance: $150,000 - $249,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Money Market	0.65%	0.65%
Min Balance $100,000 Details Tier VI; Balance: $100,000 - $149,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Money Market	0.60%	0.60%
Min Balance $75,000 Details Tier V; Balance: $75,000 - $99,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Money Market	0.55%	0.55%
Min Balance $40,000 Details Tier IV; Balance: $40,000 - $74,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Money Market	0.50%	0.50%
Min Balance $20,000 Details Tier III; Balance: $20,000 - $39,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Money Market	0.45%	0.45%
Min Balance $10,000 Details Tier II; Balance: $10,000-$19,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Money Market	0.40%	0.40%
Min Balance $2,000 Details Tier I; Balance: $2,000-$9,999 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

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 Details Balance: $2,000.00 Last Updated 10/31/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

United States Senate Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.63%	Up to 60 Months
Details Loan Amount: Minimum $400,001, Maximum $500,000; Loan to Value (LTV): Up to 80% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.63% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Home Equity Loan	-	-	6.88%	Up to 120 Months
Details Loan Amount: Minimum $400,001, Maximum $500,000; Loan to Value (LTV): Up to 80% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.88% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Classic Line Home Equity Line of Credit	-	-	7.00%
Details Rate: Prime + 0%; variable rate equal to WSJ Prime Rate in effect on last day of each calendar quarter, floor 3.00%; Maximum APR 18.00% Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 14, 20267.00%▲ from 6.75% Sep 15, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Smart Line Home Equity Line of Credit	-	-	7.00%
Details Rate: Prime + 0%; Variable rate, WSJ Prime Rate in effect on last day of each calendar quarter, floor 3.00%; Maximum APR is 18.00% Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 14, 20267.00%▲ from 6.75% Sep 15, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Home Equity Loan	-	-	7.13%	Up to 180 Months
Details Loan Amount: Minimum $400,001, Maximum $500,000; Loan to Value (LTV): Up to 80% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.13% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Home Equity Loan	-	-	7.38%	Up to 60 Months
Details Loan Amount: Minimum $7,500, Maximum $400,000; Loan to Value (LTV): Up to 90% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.38% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Home Equity Loan	-	-	7.63%	Up to 120 Months
Details Loan Amount: Minimum $7,500, Maximum $400,000; Loan to Value (LTV): Up to 90% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.63% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Home Equity Loan	-	-	7.88%	Up to 180 Months
Details Loan Amount: Minimum $7,500, Maximum $400,000; Loan to Value (LTV): Up to 90% Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.88% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

United States Senate Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	3.74%	Up to 36 months
Details As Low As; Maximum loan amount: $150,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 3.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Auto Loan	-	-	3.99%	Up to 48 months
Details As Low As; Maximum loan amount: $150,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 3.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Auto Loan - Up to 36 months	-	-	3.99%	Up to 36 months
Details As Low As; Maximum loan amount: $75,000 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Auto Loan	-	-	4.24%	Up to 60 months
Details As Low As; Maximum loan amount: $150,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 4.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Auto Loan - Up to 48 months	-	-	4.24%	Up to 48 months
Details As Low As; Maximum loan amount: $75,000 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Auto Loan	-	-	4.49%	Up to 72 months
Details As Low As; Maximum loan amount: $150,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 4.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Auto Loan - Up to 60 months	-	-	4.49%	Up to 60 months
Details As Low As; Maximum loan amount: $75,000 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Auto Loan	-	-	4.74%	84 months
Details As Low As; Maximum loan amount: $150,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 4.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Auto Loan - Up to 72 months	-	-	4.74%	Up to 72 months
Details As Low As; Maximum loan amount: $75,000 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Auto Loan - 84 months	-	-	4.99%	84 months
Details As Low As; Maximum loan amount: $75,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 4.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Leisure Vehicle Loan	-	-	5.99%	Up to 36 months
Details As Low As; Maximum loan amount: $300,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 5.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Leisure Vehicle Loan	-	-	6.24%	Up to 48 months
Details As Low As; Maximum loan amount: $300,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Leisure Vehicle Loan	-	-	6.49%	Up to 60 months
Details As Low As; Maximum loan amount: $300,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Leisure Vehicle Loan	-	-	6.49%	Up to 36 months
Details As Low As; Maximum loan amount: $150,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Leisure Vehicle Loan	-	-	6.74%	Up to 72 months
Details As Low As; Maximum loan amount: $300,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Leisure Vehicle Loan	-	-	6.74%	Up to 48 months
Details As Low As; Maximum loan amount: $150,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Leisure Vehicle Loan	-	-	6.99%	Up to 84 months
Details As Low As; Maximum loan amount: $300,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Leisure Vehicle Loan	-	-	6.99%	Up to 60 months
Details As Low As; Maximum loan amount: $150,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 6.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Leisure Vehicle Loan	-	-	7.24%	Up to 96 months
Details As Low As; Maximum loan amount: $300,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Leisure Vehicle Loan	-	-	7.24%	Up to 72 months
Details As Low As; Maximum loan amount: $150,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Leisure Vehicle Loan	-	-	7.49%	Up to 120 months
Details As Low As; Maximum loan amount: $300,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Leisure Vehicle Loan	-	-	7.49%	Up to 84 months
Details As Low As; Maximum loan amount: $150,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Leisure Vehicle Loan	-	-	7.74%	Up to 96 months
Details As Low As; Maximum loan amount: $150,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Leisure Vehicle Loan	-	-	7.99%	Up to 120 months
Details As Low As; Maximum loan amount: $150,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Leisure Vehicle Loan	-	-	8.49%	Up to 180 months
Details As Low As; Maximum loan amount: $300,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Used Leisure Vehicle Loan	-	-	8.99%	Up to 180 months
Details As Low As; Maximum loan amount: $150,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
New Leisure Vehicle Loan	-	-	9.49%	Up to 240 months
Details As Low As; Maximum loan amount: $300,000; If eligible for all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 9.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

United States Senate Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Smart Rate	-	12.00%
Details APR for Purchases; Balance Transfers and Cash Advances also 12.00%; variable APR based on the Prime Rate Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75% Oct 26, 202612.00%▲ from 11.75% Sep 15, 202611.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Visa Smart Rewards	-	13.00%
Details APR for Purchases; Balance Transfers and Cash Advances also 13.00%; variable APR based on the Prime Rate Last Updated 10/31/2026 Rate History 1 change since Sep 15, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 26, 202613.00%▲ from 12.75% Sep 15, 202612.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

United States Senate Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Home Improvement Loan	7.74%	up to 60 Months
Details Loan amount: Minimum $250, Maximum $125,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Home Improvement Loan	7.99%	Up to 72 Months
Details Loan amount: Minimum $250, Maximum $125,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Home Improvement Loan	7.99%	Up to 84 Months
Details Loan amount: Minimum $250, Maximum $125,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Home Improvement Loan	7.99%	Up to 96 Months
Details Loan amount: Minimum $250, Maximum $125,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 7.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Home Improvement Loan	8.24%	Up to 108 Months
Details Loan amount: Minimum $250, Maximum $125,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Home Improvement Loan	8.24%	Up to 120 Months
Details Loan amount: Minimum $250, Maximum $125,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Home Improvement Loan	8.49%	Up to 144 Months
Details Loan amount: Minimum $250, Maximum $125,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Home Improvement Loan	8.49%	Up to 180 Months
Details Loan amount: Minimum $250, Maximum $125,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Home Improvement Loan	9.49%	Up to 240 Months
Details Loan amount: Minimum $250, Maximum $125,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 9.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Loan	9.49%	Up to 24 months
Details As Low As; Loan amount: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $45.93; APR is as low as with all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 9.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Loan	9.74%	Up to 36 months
Details As Low As; Loan amount: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $32.16; APR is as low as with all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 9.74% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Loan	9.99%	Up to 48 months
Details As Low As; Loan amount: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $25.37; APR is as low as with all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Loan	10.24%	Up to 60 months
Details As Low As; Loan amount: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $21.38; APR is as low as with all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 10.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Loan	10.49%	Up to 72 months
Details As Low As; Loan amount: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $18.79; APR is as low as with all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 10.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Loan	11.24%	Up to 84 months
Details As Low As; Loan amount: Minimum $250, Maximum $70,000; Estimated monthly payment as low as $17.00; APR is as low as with all possible discounts Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 11.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Lines of Credit - PremierLine Loan	13.50%
Details Loan Amounts: Minimum $1,000, Maximum $50,000; Minimum Monthly Payment (when a balance exists): Higher of $10 or 2.25% of the statement balance; Variable periodic rate subject to change, determined by adding 6.50% margin to the WSJ Prime Rate Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 13.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Personal Lines of Credit - EasyLine Loan	18.00%
Details Loan Amounts: Minimum $100, Maximum $1,000; Minimum Monthly Payment (when a balance exists): Higher of $15 or 3% of the statement balance Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 18.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

United States Senate Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Bridge to Retirement Loan	-	-	5.49%	Up to 36 months
Details Loan Amounts: Minimum $250, Maximum $10,000; Estimated Monthly Payment: As low as $30.20; Available only to members employed by the Federal Government Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 5.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Holiday Loan	-	-	8.24%
Details Fixed rate; Limited time offer Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Home Improvement Plus Loan	-	-	8.00%	Up to 180 Months
Details As Low As; LTV: Up to 80%; Loan Amounts: Minimum $7,500, Maximum $70,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Home Improvement Plus Loan	-	-	8.25%	Up to 180 Months
Details As Low As; LTV: Up to 80.01%- 90%; Loan Amounts: Minimum $7,500, Maximum $70,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Home Improvement Plus Loan	-	-	8.50%	Up to 180 Months
Details As Low As; LTV: Up to 90.01% - 100%; Loan Amounts: Minimum $7,500, Maximum $70,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 8.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Home Improvement Plus Loan	-	-	9.00%	Up to 180 Months
Details As Low As; LTV: Up to 100.01% - 110%; Loan Amounts: Minimum $7,500, Maximum $70,000 Last Updated 10/31/2026 Rate History No change since Sep 15, 2026 · 9.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 12 months	2.85%	-	2.89%	12 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 12 months	2.80%	-	2.84%	12 months
Min Balance $100,000 Details Balance: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.84% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 24 months	2.90%	-	2.94%	24 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 24 months	2.85%	-	2.89%	24 months
Min Balance $100,000 Details Balance: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.89% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 3 months	1.10%	-	1.11%	3 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 1.11% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 3 months	1.05%	-	1.06%	3 months
Min Balance $100,000 Details Balance: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 1.06% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 36 months	2.95%	-	2.99%	36 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.99% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 36 months	2.90%	-	2.94%	36 months
Min Balance $100,000 Details Balance: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 48 months	3.00%	-	3.05%	48 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 48 months	2.95%	-	2.99%	48 months
Min Balance $100,000 Details Balance: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.99% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 6 months	2.60%	-	2.63%	6 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 6 months	2.55%	-	2.58%	6 months
Min Balance $100,000 Details Balance: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 2.58% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 60 months	3.05%	-	3.10%	60 months
Min Balance $200,000 Details Balance: $200,000 Plus Jumbo Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%
Business Share Certificates - 60 months	3.00%	-	3.05%	60 months
Min Balance $100,000 Details Balance: $100,000 -$199,999 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.71%

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 4.43% in Q3 2023 to 13.71% in Q2 2026, so its financial health has held steady at a healthy level 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 green zone below the amber 15% line is where a credit union must stay 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 limit (green zone below = healthy)

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
June 30, 2026	$1.5B	13.71%	5.0	A
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+

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 164

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

13.71%

Return on Assets (ROA)

0.0942%

Return on Equity (ROE)

1.1946%

Non-Performing Loans Ratio (NPL)

1.63%

Total Assets

1,486,828,748

Total Amount of Shares and Deposits

1,363,421,739

Total Shares and Deposits < 1 Year

952,296,813

Total Shares and Deposits 1 3 Years

381,735,130

Total Shares and Deposits > 3 Years

29,389,796

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

160,414,511

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

160,414,511

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

1,203,007,228

Total Interest Expense (Sum of items 6 8)

18,624,658

Share Certificates

7,561

Number of Accounts for Share Drafts

26,727

IRA KEOGH Accounts

2,759

Number of Accounts for Regular Shares

53,451

Money Market Shares

5,943

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)

196,599,923

Total Liabilities

1,375,212,505

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

United States Senate Federal Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About United States Senate Federal Credit Union

Does United States Senate Federal Credit Union offer CDs?

Yes. United States Senate Federal Credit Union current CD rates include its 60 Month Smart CD at 3.10% APY, its 48 Month Smart CD at 3.05% APY and its 36 Month Smart CD at 2.99% APY, verified by MonitorBankRates as of October 31, 2026.

Are CDs from United States Senate Federal Credit Union NCUA insured?

Yes. United States Senate Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at United States Senate Federal Credit Union?

The highest United States Senate Federal Credit Union CD rate is its 60 Month Business CDs at 3.10% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does United States Senate Federal Credit Union offer?

United States Senate Federal Credit Union CD rates are 2.89% APY for a 12 month CD, 2.94% APY for a 2 year CD, 2.99% APY for a 3 year CD, 3.05% APY for a 4 year CD and 3.10% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with United States Senate Federal Credit Union for its full lineup.

What is the highest savings rate at United States Senate Federal Credit Union?

The highest United States Senate Federal Credit Union savings rate is its ROTH, Traditional & SEP IRA Savings at 0.50% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at United States Senate Federal Credit Union?

The highest United States Senate Federal Credit Union money market rate is its Senate Money Market Share at 0.80% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest checking rate at United States Senate Federal Credit Union?

The highest United States Senate Federal Credit Union checking rate is its Gold Source Checking Share at 0.05% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest auto loan rate at United States Senate Federal Credit Union?

The lowest United States Senate Federal Credit Union auto loan rate is its New Auto Loan at 3.74% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest personal loan rate at United States Senate Federal Credit Union?

The lowest United States Senate Federal Credit Union personal loan rate is its Personal Home Improvement Loan at 7.74% APR, verified by MonitorBankRates as of October 31, 2026.

What is the lowest credit card APR at United States Senate Federal Credit Union?

The lowest United States Senate Federal Credit Union credit card APR is its Visa Smart Rate Credit Card at 12.00% APR, verified by MonitorBankRates as of October 31, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do United States Senate Federal Credit Union rates compare?

United States Senate Federal Credit Union's CD rates are 5% lower than the MonitorBankRates national average, and it has an A health rating. United States Senate Federal Credit Union's top rates are its 60 Month Business CDs at 3.10% APY, its ROTH, Traditional & SEP IRA Savings at 0.50% APY, its Senate Money Market Share at 0.80% APY, its Gold Source Checking Share at 0.05% APY, its Personal Home Improvement Loan at 7.74% APR and its Visa Smart Rate Credit Card at 12.00% APR, verified by MonitorBankRates on October 31, 2026.

Current United States Senate Federal Credit Union Rates

12-Month CD2.79%
24-Month CD2.84%
60-Month CD2.89%
Savings0.50%
MMA0.80%

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

Compare to Other Credit Unions

United States Senate Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

United States Senate Federal Credit Union Texas Ratio

United States Senate Federal Credit Union Health Trend

United States Senate Federal Credit Union CD Rates

United States Senate Federal Credit Union Business CD Rates

United States Senate Federal Credit Union Savings Rates

United States Senate Federal Credit Union Business Savings Rates

United States Senate Federal Credit Union Money Market Rates

United States Senate Federal Credit Union Business Money Market Rates

United States Senate Federal Credit Union Checking Rates

United States Senate Federal Credit Union Home Equity & HELOC

United States Senate Federal Credit Union Auto Loan Rates

United States Senate Federal Credit Union Credit Card Rates

United States Senate Federal Credit Union Personal Loan Rates

United States Senate Federal Credit Union Other Rates

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

Does United States Senate Federal Credit Union offer CDs?

Are CDs from United States Senate Federal Credit Union NCUA insured?

What is the highest CD rate at United States Senate Federal Credit Union?

What CD terms does United States Senate Federal Credit Union offer?

What is the highest savings rate at United States Senate Federal Credit Union?

What is the highest money market rate at United States Senate Federal Credit Union?

What is the highest checking rate at United States Senate Federal Credit Union?

What is the lowest auto loan rate at United States Senate Federal Credit Union?

What is the lowest personal loan rate at United States Senate Federal Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do United States Senate Federal Credit Union rates compare?

Current United States Senate Federal Credit Union Rates

Compare to Other Credit Unions