Credit union · NCUA insured
United States Senate Federal Credit Union Credit Card Rates
United States Senate Federal Credit Union credit card rates start at 11.75% APR. Rates checked October 22, 2026.
How United States Senate Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where United States Senate Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
United States Senate Federal Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Up to
- 18.00% APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Smart Rate Visa
Loans subject to credit approval; rates and credit limits are based on creditworthiness, income, and debts. Foreign transaction fee: 1% of transaction amount. Variable rate based on the Prime Rate. No annual fee, no balance transfer fee, no cash advance fee, no rate change for late payment, no over-the-limit fee, and no rate increase on cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.75% | None | Variable APR based on Prime Rate. Due date is at least 25 days after the close of each billing cycle; no interest charged on purchases if entire balance paid by due date each month. |
| Ongoing | 11.75% | None | Variable APR based on Prime Rate. No balance transfer fee. Interest begins on the transaction date. |
Smart Rewards Visa
Loans subject to credit approval; rates and credit limits are based on creditworthiness, income, and debts. Foreign transaction fee: 1% of transaction amount. Variable rate based on the Prime Rate. No annual fee, no balance transfer fee, no cash advance fee, no rate change for late payment, no over-the-limit fee, and no rate increase on cash advances. Reward points: $1 = 1 point on qualifying signature-based transactions (excludes cash advances, balance transfers, and PIN-based transactions).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75% | None | Variable APR based on Prime Rate. Due date is at least 25 days after the close of each billing cycle; no interest charged on purchases if entire balance paid by due date each month. |
| Ongoing | 12.75% | None | Variable APR based on Prime Rate. No balance transfer fee. Interest begins on the transaction date. |
Who can join United States Senate Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of over 100 Select Employee Groups (SEGs) in the Washington, D.C. metropolitan area and nationwide are eligible for membership.
Military, government and schools
- Employees from the Architect of the Capitol and the U.S. Supreme Court are eligible for membership.
- Individuals affiliated with the U.S. Senate and Capitol Hill communities are eligible for membership.
Cost to join
- Opening an account requires a minimum share deposit of $5.
Membership information collected October 4, 2026.