United States Senate Federal Credit Union
1310 Braddock Pl
Alexandria, VA 22314
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2023 Overview
General Credit Union Information
United States Senate is an NCUA insured institution located in Alexandria, VA. It was founded in 1935 and has approximately $1261.72 millions in assets.
Who can join?
Membership is via sponsorship or contribution.
Sponsorship by an employer
Employees of Select Employee Groups are eligible to become members. Additionally, whether or not the employees themselves become members, they may extend the membership to their immediate families and households.
Sponsorship by a family member or household member
A member in good standing or a current employee of a Select Employee Group may sponsor an immediate family member, as well as others in the same household. This includes:
Spouses
Immediate Family (child, sibling, parent, grandparent, grandchild, stepparent, stepchild, step sibling, or adoptive relationship)
Household Members (persons living in the same residence and maintaining a single economic unit)
Organizations of people in one of the above groups
Contribution to the US Capitol Historical Society (USCHS)
As a member of the Society, either as an individual or as an employee of a member organization, you are automatically eligible to join the United States Senate Federal Credit Union. When you join the Society, apply to the Credit Union at the same time. Current members of USCHS are also invited to participate in this member offering.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 624 |
| Date Established | 1935 |
| Assets | $1,261.72 million |
| Loans | $1,025.43 million |
| Deposits | $1,144.77 million |
| Capital | $119.73 million |
Field of Membership Restrictions
Deposit Rates - June 5, 2023
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Primary
|
0.15% | $5 | - |
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Money Market
|
1.26% | $2,000 | $9,999 |
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|
Money Market
|
1.31% | $10,000 | $19,999 |
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|
Money Market
|
1.36% | $20,000 | $39,999 |
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|
Money Market
|
1.41% | $40,000 | $74,999 |
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|
Money Market
|
1.46% | $75,000 | $99,999 |
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|
Money Market
|
1.51% | $100,000 | $149,999 |
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|
Money Market
|
1.56% | $150,000 | $249,999 |
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|
Money Market
|
1.61% | $250,000 | $499,999 |
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|
Money Market
|
1.66% | $500,000 | - |
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| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Smart Share 3 - 5 Months
|
2.28% | $1,000 | $99,999 |
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| Smart Share 3 - 5 Months
|
2.33% | $100,000 | $199,999 |
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|
| Plus Jumbo 3 - 5 Months
|
2.38% | $200,000 | - |
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| Smart Share 6 - 11 Months
|
3.30% | $1,000 | $99,999 |
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| Smart Share 6 - 11 Months
|
3.35% | $100,000 | $199,999 |
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|
| Plus Jumbo 6 - 11 Months
|
3.41% | $200,000 | - |
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| Smart Share 12 - 23 Months
|
4.81% | $1,000 | $99,999 |
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| Smart Share 12 - 23 Months
|
4.86% | $100,000 | $199,999 |
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| Plus Jumbo 12 - 23 Months
|
4.92% | $200,000 | - |
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| Smart Share 24 - 35 Months
|
5.18% | $1,000 | $99,999 |
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| Smart Share 24 - 35 Months
|
5.23% | $100,000 | $199,999 |
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| Plus Jumbo 24 - 35 Months
|
5.28% | $200,000 | - |
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| Smart Share 36 - 47 Months
|
5.13% | $1,000 | $99,999 |
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| Smart Share 36 - 47 Months
|
5.18% | $100,000 | $199,999 |
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|
| Plus Jumbo 36 - 47 Months
|
5.23% | $200,000 | - |
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| Smart Share 48 - 59 Months
|
4.24% | $1,000 | $99,999 |
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| Smart Share 48 - 59 Months
|
4.29% | $100,000 | $199,999 |
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| Plus Jumbo 48 - 59 Months
|
4.34% | $200,000 | - |
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| Smart Share 60 Months
|
4.24% | $1,000 | $99,999 |
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| Smart Share 60 Months
|
4.29% | $100,000 | $199,999 |
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| Plus Jumbo 60 Months
|
4.34% | $200,000 | - |
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| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Gold Source
|
0.05% | $2,000 | - | Learn More |
Loan Rates - June 5, 2023
Your Current Location: Virginia, VA 20146
There are currently no loan rates available for United States Senate
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Virginia 30 Year Fixed Mortgage Rates 2023
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
5.910% | 5.750% | 0.75 | $4,375 | $1,459 | Learn More |
NMLS ID: 1429243 |
5.936% | 5.875% | 0.63 | $1,660 | $1,479 | Learn More |
NMLS ID: 1984206 License#: #: MC-7440 |
7.144% | 6.999% | 0.75 | $3,907 | $1,664 | Learn More |
NMLS ID: Not a Lender |
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Featured - Virginia Home Equity Line Of Credit Rates 2023
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to United States Senate
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are United States Senate branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Ashburn,Virginia
Climate Initiatives
UNITED STATES SENATE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Financial Details
United States Senate Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of United States Senate. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| United States Senate | U.S. Average |
|---|---|
| 2.34% | 5.90 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2022, United States Senate had $2,953,417 in non-current loans and $31,525 in owned assets. To cover these potential losses it had $119,726,886 in net worth and $7,918,000 in loans loss reserves. That gives it a Texas Ratio of 2.34%.
Net Worth
| United States Senate | U.S. Average |
|---|---|
| 9.49% | 12.75% |
United States Senate FCU has a net worth of 9.49% versus the BestCashCow average of 12.75. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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