topic US Senate FCU (USSFCU) in Personal Finance

US Senate FCU (USSFCU)

Mellon — Wed, 21 Jul 2021 04:31:56 GMT

Anyone a member or have any feedback on this CU and it's credit products? Seems easy to join but not sure its a HP or SP. Rates seem decent

Re: US Senate FCU (USSFCU)

1GaDawg85 — Wed, 21 Jul 2021 04:38:43 GMT

never heard of them before. I wonder if @M_Smart007 knows!

Re: US Senate FCU (USSFCU)

Anonymous — Wed, 21 Jul 2021 13:29:10 GMT

@M_Smart007 there is a pending question for you? We "up for all day" yet?

Re: US Senate FCU (USSFCU)

M_Smart007 — Wed, 21 Jul 2021 15:26:32 GMT

@Anonymous& @1GaDawg85

I don't currently hold a seat

To be very honest, I have never heard of them?

Re: US Senate FCU (USSFCU)

Mr_Mojo_Risin — Wed, 21 Jul 2021 20:18:22 GMT

@Mellon wrote:
Anyone a member or have any feedback on this CU and it's credit products? Seems easy to join but not sure its a HP or SP. Rates seem decent

I've never heard of this CU.

Being a senator I would've thought someone would tell me!!

Re: US Senate FCU (USSFCU)

Anonymous — Thu, 22 Jul 2021 23:10:45 GMT

@Mellon wrote:
Anyone a member or have any feedback on this CU and it's credit products? Seems easy to join but not sure its a HP or SP. Rates seem decent

I'm with the Congressional Federal Credit Union which is located on Capitol Hill. They have a branch I think it was in Cannon House Bldg down in the basement. Joined when I was working with a Member of the House of Rep's. I'm sure they are probably like them. I joined way back in the late 1990's. I don't believe they ran chex systems at the time. I just recently applied for a credit card with them. They don't like Bk's or collections on your credit report. I forgot who they pulled it was either EQ or EX. I'm in GA. The credit card isn't anything to brag about. I only applied for it because I was going to close the account down because I rarely use it. I said if they deny me for the credit card that would be the icing on the cake for me to close the account. Well they approved me so I kept it open. lol

Re: US Senate FCU (USSFCU)

SouthJamaica — Fri, 23 Jul 2021 15:16:54 GMT

@Mellon wrote:
Anyone a member or have any feedback on this CU and it's credit products? Seems easy to join but not sure its a HP or SP. Rates seem decent

Well I just did some research, and learned that

-you can join them expensively through the US Capital Historical Society ($65)

-you can join them cheaply through American Consumer Council -- Virginia Chapter (Free using code USSFCU)

-there's a hard pull for membership

-there's another hard pull for a credit application, even if it's immediately after joining

Re: US Senate FCU (USSFCU)

blindambition — Fri, 23 Jul 2021 15:38:51 GMT

@Mr_Mojo_Risin wrote:
@Mellon wrote:
Anyone a member or have any feedback on this CU and it's credit products? Seems easy to join but not sure its a HP or SP. Rates seem decent
I've never heard of this CU.
Being a senator I would've thought someone would tell me!!

Senator of what??? 😂 🤣 😂

Re: US Senate FCU (USSFCU)

Anonymous — Fri, 23 Jul 2021 18:01:02 GMT

They are chex sensitive. If you had 4 to 6 in a year, your chances of getting membership approved is slim. Same goes with UNFCU(soft pull EQ for membership) as well. This is from my experience applying for these CUs early this year. I guess I member of atleast 20 CUs ( lost count!!)

Re: US Senate FCU (USSFCU)

Mr_Mojo_Risin — Sat, 24 Jul 2021 02:24:15 GMT

@blindambition wrote:
@Mr_Mojo_Risin wrote:
@Mellon wrote:
Anyone a member or have any feedback on this CU and it's credit products? Seems easy to join but not sure its a HP or SP. Rates seem decent
I've never heard of this CU.
Being a senator I would've thought someone would tell me!!
Senator of what??? 😂 🤣 😂

I misspoke. It's senator to be!

Mr Mojo Risin 2022

Re: US Senate FCU (USSFCU)

SouthJamaica — Sat, 24 Jul 2021 04:43:27 GMT

@Anonymous wrote:
@Mellon wrote:
Anyone a member or have any feedback on this CU and it's credit products? Seems easy to join but not sure its a HP or SP. Rates seem decent
I'm with the Congressional Federal Credit Union which is located on Capitol Hill. They have a branch I think it was in Cannon House Bldg down in the basement. Joined when I was working with a Member of the House of Rep's. I'm sure they are probably like them. I joined way back in the late 1990's. I don't believe they ran chex systems at the time. I just recently applied for a credit card with them. They don't like Bk's or collections on your credit report. I forgot who they pulled it was either EQ or EX. I'm in GA. The credit card isn't anything to brag about. I only applied for it because I was going to close the account down because I rarely use it. I said if they deny me for the credit card that would be the icing on the cake for me to close the account. Well they approved me so I kept it open. lol

No the Congressional Federal Credit Union has a pretty limited field of membership.

Re: US Senate FCU (USSFCU)

Anonymous — Wed, 28 Jul 2021 03:56:29 GMT

@SouthJamaica wrote:
@Anonymous wrote:
@Mellon wrote:
Anyone a member or have any feedback on this CU and it's credit products? Seems easy to join but not sure its a HP or SP. Rates seem decent
I'm with the Congressional Federal Credit Union which is located on Capitol Hill. They have a branch I think it was in Cannon House Bldg down in the basement. Joined when I was working with a Member of the House of Rep's. I'm sure they are probably like them. I joined way back in the late 1990's. I don't believe they ran chex systems at the time. I just recently applied for a credit card with them. They don't like Bk's or collections on your credit report. I forgot who they pulled it was either EQ or EX. I'm in GA. The credit card isn't anything to brag about. I only applied for it because I was going to close the account down because I rarely use it. I said if they deny me for the credit card that would be the icing on the cake for me to close the account. Well they approved me so I kept it open. lol
No the Congressional Federal Credit Union has a pretty limited field of membership.

Right. I was just saying they are proabably comparable.

Re: US Senate FCU (USSFCU)

CV91915 — Wed, 13 Oct 2021 12:01:40 GMT

I joined this CU several years ago.

Customer service was awful and they had no compelling products except some great "as low as" auto loan rates (for which I didn't qualify with 8XX FICO scores, strong income and low DTI).

It took several attempts to close out my membership and savings account with a $20 balance.

I still get promotional emails from them. The opt-out link at the bottom of their messages requires you to log into their web site to complete the process, but they terminate your access to the site when you close your membership.

If you are looking for a clown show, this is your financial institution.

Re: US Senate FCU (USSFCU)

Anonymous — Mon, 03 Jan 2022 13:44:48 GMT

I am a member of this CU in 2019. It was a soft pull. I have a few CDs that I got super-high interest rates on.

I have no other products with them. They do give you your Experian Fico Score every month.

Re: US Senate FCU (USSFCU)

HeavyResist — Tue, 15 Feb 2022 17:26:43 GMT

@Anonymous wrote:
I am a member of this CU in 2019. It was a soft pull. I have a few CDs that I got super-high interest rates on.
I have no other products with them. They do give you your Experian Fico Score every month.

Thanks for this. I was a member in 2002 and am considering reopening an account. I was worried if it was a soft pull or not.

Re: US Senate FCU (USSFCU)

SouthJamaica — Wed, 13 Mar 2024 04:05:50 GMT

Update. I joined US Senate FCU today. There's no HP for membership.

Eligibility is open to all if you join Virginia chapter of American Consumer Council, and joining is free if you use USSFCU's promo code.

Re: US Senate FCU (USSFCU)

CorpCrMgr1 — Fri, 15 Mar 2024 03:11:26 GMT

Congratulations for your membership in the American Consumer Council, Virginia Chapter! 😁 I read where there's no NSF or overdraft fees. Must confess it sounds prestigious!

Re: US Senate FCU (USSFCU)

SouthJamaica — Fri, 15 Mar 2024 04:02:41 GMT

@CorpCrMgr1 wrote:
Congratulations for your membership in the American Consumer Council, Virginia Chapter! 😁 I read where there's no NSF or overdraft fees. Must confess it sounds prestigious!

Yeah it's got a lot of good products.

The only thing that's missing is a significant rewards card; but there are plenty of good rewards cards elsewhere.

Re: US Senate FCU (USSFCU)

xiuxiuejar — Sun, 07 Apr 2024 22:52:26 GMT

Seeing this made me chuckle thinking of the "Rubbergate" scandal of the 1990s where a couple dozen members of Congress bounced hundreds of checks - not collectively, but each member, including one guy who bounced 996 checks drawn on the Congressional bank)...

Re: US Senate FCU (USSFCU)

Pppoolboy — Mon, 09 Dec 2024 05:59:52 GMT

I tried to join this CU the other day. They told me to unfreeze my credit reports and I was afraid they would do a hard pull so I just didn't respond. I assume the application was denied because of it. 🤷‍♂️