U.S. Senate Federal Credit Union Certificates
APY Range
Minimum Deposit
Terms
Our Rating
U.S. Senate Certificates (CDs) Rates
Overall, U.S. Senate Federal Credit Union certificate rates are competitive, some of them among the top CD rates in the industry, especially when it comes to 2-year and 3-year CDs.
There are 3 different rates for every term depends on your minimum deposit, if you deposit the lower level of up to $100K, you'll get the lower rate. However, if you deposit between $100K to $200K or more than $200K you can get the higher rates based on your deposit.
Term | APY |
|---|---|
3 Months | 1.51% / 1.56% /1.61%
|
6 Months | 3.46% / 3.51% / 3.56% |
12 Months | 3.51% / 3.56% / 3.61% |
24 Months | 3.56% / 3.61% / 3.67% |
36 Months | 3.61% / 3.67% / 3.72% |
48 Months | 3.67% / 3.72% / 3.77% |
60 Months | 3.72% / 3.77% / 3.82% |
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How Does This Credit Union Stack Up Against The Competition?
Compared to other credit unions CD rates, U.S. Senate Federal Credit Union offers average-higher rates compared to other credit unions, especially if you deposit a high amount.
For terms such as 2-year and 3-year CD, the rates are among the highest and exceed other credit unions such as PenFed or Premier Members credit union..
However, other terms such as 1-year CD or 6-month CD, the rates are lower compared to other credit unions such as Air Force Federal or Popular Direct Credit Union.
Credit Union | CD Range | Minimum Deposit |
|---|---|---|
2.00% – 4.35% | $1,000 | |
3.1% – 4.1%
| $1,000 | |
3.51% – 4.85% | $5,000 | |
0.50% – 4.10%
| $250 | |
3.40% – 4.35%
| $1,000 | |
1.00% – 3.50%
| $50 | |
3.70% – 3.95%
| $10,000 | |
3.00% – 4.00%
| $500 | |
3.26% – 4.00%
| $1,000 | |
1.50% – 4.15%
| $1,000 |
Is It Competitive Rates Compared to Banks?
When compared to traditional banks like Citi, PNC, and Wells Fargo, U.S. Senate Federal Credit Union's certificate rates are highly competitive across nearly all CD terms.
Although some online banks may offer higher rates for specific terms, U.S. Senate Federal Credit Union remains competitive in this area as well, making it a top choice for individuals seeking favorable rates to keep their money, as of November 2025.
CD APY Range | Minimum Deposit | |
|---|---|---|
Marcus | 3.85% – 4.25%
| $500 |
Barclays Bank | 3.00% – 4.00% | $0 |
PNC Bank | 0.01% – 3.90%
| $1 |
Bread Financial | 4.25% – 4.75% | $1,500 |
Capital One | 3.50% – 4.00%
| $0 |
Chase Bank | 0.02% – 3.80%
| $1,000 |
Discover Bank | 2.00% – 4.00%
| $0 |
CIT Bank | 0.30% – 3.35%
| $1,000 |
Ally Bank | 2.90% – 3.90% | $0 |
Citi Bank | 0.05% – 4.00%
| $500 |
Merrick Bank | 3.60% – 4.05%
| $25,000 |
Vanguard | 3.75% – 4.25%
| $1,000 |
BMO Harris | 0.05% – 4.50% | $1,000 |
Wells Fargo | 1.50% – 3.65%
| $2,500 |
Synchrony Bank | Up to 4.15% | $0 |
TD Bank | 1.00% – 4.00% | $250 |
LendingClub | 3.40% – 4.45%
| $2,500 |
Can You Join U.S. Senate Federal Credit Union?
To join USSFCU, you must meet one of the following eligibility requirements:
- You are a current or former employee of the United States Senate.
- You are a family member of a current or former employee of the United States Senate.
- You are a member of an organization that is affiliated with the United States Senate.
- You live or work in the service area of USSFCU.
You can apply for membership online by visiting the U.S. Senate Federal Credit Union's website or by visiting one of their branch locations. If you apply online, you will need to upload a copy of your government-issued ID and proof of eligibility.
About U.S. Senate Federal Credit Union
The United States Senate Federal Credit Union (USSFCU) was established on October 8, 1935, during the Great Depression, by nine employees of the United States Senate with only $45. Over the years, it has undergone significant growth and expansion by merging with three other federal credit unions and recruiting close to 100 new employee and member groups to its field of membership. In the 2010s, USSFCU experienced significant growth and expansion, crossing the $1 billion mark for a financial institution in 2020.
USSFCU offers a wide range of financial products and services to its members, including checking accounts, savings accounts, certificates of deposit, credit cards, loans (auto loans, personal loans, and home loans), and online banking services. The credit union also provides investment services, retirement planning, insurance products, and financial education resources to its members.
In 2022, USSFCU released My USSFCU, a new online and mobile banking platform with upgraded security, advanced account capabilities, personalized controls, and dashboards. Contactless payment technology was initiated on USSFCU credit and debit cards, and improvements were made to the phone system to streamline the member call-in experience.
FAQs
Can you open a CD online?
Yes, U.S. Senate Federal Credit Union offers the ability to open a CD online. This can be a convenient option for those who do not live near a branch location.
What happens if you move to a different state while you have a CD?
If you move to a different state while you have a CD, you can still keep the CD with the same bank or credit union, but you may need to update your contact information with them.
What are the benefits of a certificate of deposit?
One benefit of a CD is that it typically offers a higher interest rate than a regular savings account. Additionally, because the funds are locked in for a fixed term, it can be a good option for people who want to save money for a specific goal, such as a down payment on a house or a child’s education.
How We Rate Certificates of Deposits: Our Methodology
The Smart Investor team has thoroughly examined certificate of deposit (CD) offerings from various banks, considering multiple factors to provide a comprehensive evaluation. Here's how we rated them across four key categories:
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CD Rates (50%): We meticulously analyzed the interest rates offered by each bank on their certificate of deposit (CD) products. Higher ratings were awarded to banks offering competitive rates that provide maximum returns for customers' investments. Factors such as the yield curve, current market conditions, and consistency of rates were considered to assess the attractiveness of each bank's CD rates.
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CD Features (30%): This category evaluated the features associated with each bank's certificate of deposit offerings. Factors considered include the variety of terms available, early withdrawal penalties, minimum deposit requirements, and any additional features or benefits. Higher ratings were given to banks offering a diverse range of CD terms, reasonable early withdrawal fees, and flexible options to meet customers' investment needs.
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Customer Experience (10%): A positive customer experience is paramount, even when investing in CDs. We assessed each bank's performance in this area, considering factors such as the ease of opening a CD account, the responsiveness of customer service, and overall user satisfaction. Higher ratings were assigned to banks with efficient account opening processes, helpful customer support, and a track record of satisfying customers.
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Bank Reputation (10%): The reputation of a bank is a critical consideration when investing in CDs. We evaluated each bank's reputation based on factors such as financial stability, regulatory compliance, and public perception. Higher ratings were given to banks with a solid reputation for reliability and trustworthiness, ensuring customers' investments are safe and secure.
By considering these categories and assigning appropriate weights to each, our review aims to provide valuable insights to help individuals make informed decisions when investing in certificate of deposits.
