US Senate Federal Credit Union - Personal Home Improvement Loan - Deck BIG

Fast, Simple Financing For Your Home Improvement Project

Fixed-Rate Unsecured Home Improvement Loan 

  • Get prequalified in minutes with no impact to your credit

  • Not secured by your home, no appraisal required

  • No origination fees or closing costs

  • Fixed rate loan as low as 7.74% APR*

  • Amounts from $250 up to $125,000

  • Terms up to 20 years

What will your monthly payments be? Here are some examples to give you an idea.
Patio

New Patio Addition

 Cost range: $2K - $16K 

$91.95/month

Based on $7.5K at 8.24% APR for 120 months.

See rate table below.

Get Prequalified
En Suite Bathroom

En-Suite Remodel

Cost range: $18K - $40K 

$232.87/month

Based on $25K at 9.49% APR for 240 months.

See rate table below.

Get Prequalified
Swimming Pool

In-Ground Swimming Pool

Cost range: $35K - $120K 

$465.74/month

Based on $50K at 9.49% APR for 240 months.

See rate table below.

Get Prequalified
Kitchen

Kitchen Remodel

Cost range: $30K - $60K 

$419.17/month

Based on $45K at 9.49% APR for 20 years.

See rate table below.

Get Prequalified
Deck

New Deck Addition

Cost range: $5K - $20K 

$122.60/month

Based on $10K at 8.24% APR for 120 months.

See rate table below.

Get Prequalified
Basement

Finished Basement

Cost range: $40K - $80K 

$558.89/month

Based on $60K at 9.49% APR for 240 months.

See rate table below.

Get Prequalified
*APR = Annual Percentage Rate. All rates listed above are our lowest offered rate. The lowest rate is not guaranteed as rates are based on the applicant's creditworthiness. Not all applicants will qualify. All loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income, and debts. Rates subject to change. Membership required for lending products. A contractor’s estimate, bid, or itemized material list may be required prior to funding. Optional Debt Protection is available for purchase and is not required for loan approval.
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Join USSFCU Today and Unlock a $300 Bonus**

Join Capitol Hill’s dedicated and longest serving financial institution.

Get the home improvement financing you need—at a term, rate, payment, and loan amount that fits your budget. Plus, new members can earn $300 with a few simple steps! Get started today when you apply with promo code "BONUS-HOME".**

Apply for Membership

Rates, Amounts & Terms

Rates and terms as of 03/01/2026. All USSFCU loan rates are capped at a maximum of 18.00%
Terms Loan Amounts APR* Estimated Monthly Payment
Up to 60 Months (5 Years) Minimum: $250
Maximum: $125,000		 7.74% $503.80+
Up to 120 Months (10 Years) Minimum: $250
Maximum: $125,000		 8.24% $306.50+
Up to 180 Months (15 Years) Minimum: $250
Maximum: $125,000		 8.49% $246.04+
Up to 240 Months (20 Years) Minimum: $250
Maximum: $125,000		 9.49% $232.87+

 

*APR = Annual Percentage Rate. Loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Not all applicants will qualify for the lowest rate.

+Monthly payment amount based on an original loan amount of $25,000 and the maximum number of months per term tier.

Explore Our Competitive Loan Solutions

Sunset Pool Deck

Unsecured Home Loan

Whether you need cash to keep your project moving or simply prefer not to use your savings, this unsecured home loan can be a smart option. Because it is not tied to the equity you have in your home, you avoid many of the traditional delays, appraisals, and extra paperwork—so you can access the funds you need more quickly and with less hassle.

Pergola and Beautiful Backyard

Flexible Loan Amounts

With loan amounts from $250 to $125,000, we can support everything from quick fixes and small upgrades to major renovations and full home improvement projects. Whether you are refreshing a single room or transforming your entire home, you can borrow the amount that fits your budget and your plans.

Pool Pergola Deck Night Lighting

Tiered Rates and Terms

Whether you plan to repay your loan quickly and simply need funds to bring your project across the finish line, or prefer to give yourself more time and pay it down gradually, we understand both approaches. That is why we offer terms ranging up to 240 months, with competitive rates significantly less than what you could pay for some credit cards.

Hear From Our Clients

 “From mortgage loans, car loans… personal loans… the rates are always favorable and often lower than competitors.”

– Tamra G, member since 2005

 “Best interest rates for savings and loans. Great loan service staff.” 

– Gerard D, member since 2014

 “Excellent loan rates, good customer service, good app”

– Stephanie S, member since 1986

“Better loan rate… all superior to my bank.”

– Frank B, member since 1971
 “Everything is made easy… Plus, the rates for loans beat other creditors”
– Tomel B, member since 2007
 “Excellent customer service, great banking and potential loan options.”
– Luis B, member since 2025

Frequently Asked Questions

Get answers to your questions about membership and home improvement financing.

 We understand you may have questions about joining USSFCU, our home improvement loan options, and application requirements. Find the information you need below to help make informed decisions about your membership and financing needs. Can't find what you're looking for? Contact our member service team for personalized assistance. 

Ready to Transform Your Home? Join USSFCU Today

Take the next step toward your home improvement goals with USSFCU.

Becoming a member is simple and rewarding.  Complete our straightforward application process, and if approved, you’ll gain access to our competitive home improvement loan rates with flexible terms up to 240 months. Plus, USSFCU is offering a $300 welcome bonus to new members who use promo code BONUS-HOME** and fulfill the eligibility requirements.

Disclosures

*APR = Annual Percentage Rate. All loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income, and debts. Rates subject to change. Not all applicants will qualify. A contractor’s estimate, bid, or itemized material list may be required prior to funding. Optional Debt Protection is available for purchase and is not required for loan approval.

**New Member Bonus – Terms & Conditions:

Offer valid March 1 – December 31, 2026. Limit one bonus per member. Must Use Promo Code: BONUS-HOME.

To receive the $300 bonus, you must:

  • Open a Primary Savings Account with a minimum balance of $5 and pay a one-time $1 membership fee.

  • Open a free Senate Checking Account with a USSFCU Visa® Debit Card.

  • Make 20 debit card purchases of $10 or more within six months of establishing membership. ATM withdrawals and transfers are not eligible.

  • Set up and receive qualifying direct deposits of $500 or more per month for six consecutive months. Qualifying direct deposits include payroll, Social Security, or recurring government/retirement income using your USSFCU routing and account number. Transfers, teller deposits, or wires do not qualify.

All requirements must be completed within six months of membership application. To remain eligible for the New Member Bonus, all required USSFCU accounts must be maintained in good standing throughout the qualification period. Accounts that become overdrawn, have a negative balance, or are otherwise delinquent at any time during the promotional period may result in disqualification from the bonus. If eligible, the $300 bonus will be deposited into your USSFCU Primary Savings Account within 30–60 days of completing all requirements.

Offer is available to new members only and cannot be combined with other promotions. USSFCU employees, managers, and board members are not eligible. Taxes are the responsibility of the recipient. Terms of this promotion are subject to change and may be modified, suspended, or terminated at any time by USSFCU.

For USSFCU membership you will need to open a Primary Savings Account with a minimum balance of $5.00 and pay the one-time-only membership fee of $1.00. To complete your application for USSFCU membership you will need the following: Government-issued ID/Driver’s License/State ID or Passport with current address, and Social Security Number.

Primary Savings Account Annual Percentage Yield =.05% as of 01/01/2026. View savings rates at ussfcu.org/rates.