Credit union · NCUA insured
United States Senate Federal Credit Union Savings Rates
United States Senate Federal Credit Union’s best savings rate is 0.45% APY on $10,000, with its Senate Money Market Share. Rates checked October 22, 2026.
How United States Senate Federal Credit Union’s savings 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. $10,000, best rate first.
This credit union’s best
United States Senate Federal Credit Union
0.45%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $45
Senate Money Market Share
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
United States Senate Federal Credit Union savings score
76
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.65%
- QualifiedQualified0.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where United States Senate Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Senate Money Market Share
0.45%APY
Must maintain a minimum daily balance of $2,000.00 to earn dividends and obtain the disclosed annual percentage yield. Account has no service or set-up fees. Free online, mobile, telephone banking, and eNotices. Insured by NCUA up to at least $250,000. Not limited to a maximum number of monthly transactions.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $9,999Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. | 0.40% | — | Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. |
| $10,000 – $19,999Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. | 0.45% | $45 | Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. |
| $20,000 – $39,999Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. | 0.50% | — | Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. |
| $40,000 – $74,999Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. | 0.55% | — | Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. |
| $75,000 – $99,999Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. | 0.60% | — | Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. |
| $100,000 – $149,999Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. | 0.65% | — | Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. |
| $150,000 – $249,999Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. | 0.70% | — | Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. |
| $250,000 – $499,999Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. | 0.75% | — | Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. |
| $500,000 and upMust maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. | 0.80% | — | Must maintain a minimum daily balance of $2,000.00 to obtain disclosed APY. |
Sources (2)
All captured Oct 22, 2026
Primary Savings
0.05%APY
Must maintain a minimum balance of $5 to remain an active member. Dividends earned on savings balances are compounded daily and credited/paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (3)
- ussfcu.org/personal/savings-accounts
- ussfcu.org/personal/savings-ac…nts/primary-savings.html
- ussfcu.org/resources/rates/rates.html
All captured Oct 4, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.50%APY
Tax-advantaged savings program offered as Traditional, Roth, and SEP IRAs. No set-up fees or monthly/annual maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (3)
- ussfcu.org/personal/savings-accounts
- ussfcu.org/personal/savings-ac…ement-accounts-iras.html
- ussfcu.org/resources/rates/rates.html
All captured Oct 4, 2026
Holiday Savings
0.05%APY
Funds automatically released via check or electronic deposit into a Primary Savings Account on November 1st. $5 minimum deposit to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 minimum deposit to earn dividends. Funds automatically released on November 1st.$5 and up | 0.05% | $5 | $5 minimum deposit to earn dividends. Funds automatically released on November 1st. |
Sources (3)
- ussfcu.org/personal/savings-accounts
- ussfcu.org/personal/savings-ac…nts/holiday-savings.html
- ussfcu.org/resources/rates/rates.html
All captured Oct 4, 2026
Youth Savings
0.05%APY
Available to young savers up to 18 years of age (or 21 if designated under DC Transfers to Minors Act). Minor identification required. A one-time membership fee of $1.00 is required to open. No service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAvailable for children up to 18 (or 21 if designated). One-time membership fee of $1.00 required.$5 and up | 0.05% | $5 | Available for children up to 18 (or 21 if designated). One-time membership fee of $1.00 required. |
Sources (3)
- ussfcu.org/personal/savings-accounts
- ussfcu.org/personal/savings-accounts/youth-savings.html
- ussfcu.org/resources/rates/rates.html
All captured Oct 4, 2026
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.