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Department of Commerce Federal Credit Union logo
Department of Commerce Federal Credit Union logo

Department of Commerce Federal Credit Union is now open to all U.S. citizens and resident aliens.

Become a Member

Department of Commerce - Federal Credit Union

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Government Shutdown
...we're here to help
  • Furlough Loans
  • SKIP a loan payment up to 2 months
  • Penalty-Free Share Certificate Withdrawals
Click Here to Learn More
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CHANGE is in the air

OCTOBER Member News & Benefits

  • Digital Banking Upgrade
  • Buy/Refi Vehicle Loans
  • Checking that PAYS all year
  • HELOC for Improvements
Read more & SAVE - click now!
3
Digital Banking Suite
COMING SOON
  • New Features
  • Enhanced Security
  • More User-Friendly Design
  • New experience coming - October 20th
Here's everything you need to know >
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Fall into Possibilities

PERSONAL Loans

  • Funds & flexibility you need
  • Dream Vacation or Holiday Travel
  • Debt Consolidation
  • Holiday Expenses or ANY Reason
Borrow up to $50k - Easily APPLY!
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We Do HOME EQUITY!
Loans & Lines of Credit
  • Turn Equity into Financing
  • Loans & Lines of Credit
  • No Closing Cost Options
    • Get Started, Borrow up to $350k!
    DOCFCU-HEROBanner-9-2025-Vehicles-1920wX680h-v1

    Why Pay Too Much Monthly?

    Buy or Refi Your Vehicle Loan

    • Up to 100% Financing
    • Great Rates & Better Terms
    • Fast Approvals
    Lower Your Payments - Apply Today!

    SHARE CertificateS as high as

    2.12% APY

    Checking as high as

    3.50% APY

    Auto Loans as low as

    5.60% APR*

    Credit Cards as low as

    10.99% APR*

    our services

    Whether you’re saving or spending, we’ll help you do it wisely.

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    Share Certificates

    Find some of the best rates on share certificates right here.

    CDs

    Find some of the best rates on certificates of deposits right here.

    Learn More
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    CHECKING

    Checking that earns interest and so much more – with no minimums or service fees.

    CHECKING

    Checking that earns interest and so much more – with no minimums or service fees.

    Learn More
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    AUTO LOANS

    Drive a hard bargain with competitive auto loan rates and online approval.

    AUTO LOANS

    Drive a hard bargain with competitive auto loan rates and online approval.

    Learn More
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    CREDIT CARDS

    Low rates and no annual fees help you save more as you spend.

    CREDIT CARDS

    Low rates and no annual fees help you save more as you spend.

    Learn More

    The products and services that can help you live well, below your means.

    Earn a guaranteed rate of return on your savings with DOCFCU share certificates . With terms that range from 6 months to 5 years, and minimum deposits as low as $500, you can choose what fits best for your needs and budget. Click here to learn more about Share Certificates.

    Testimonials

    What our members have to say:

    “We did a Debt Consolidation & saved $350 monthly” – It as easy & quick, the staff at DOCFCU were courteous and knowledgeable. Great experience. Thank you!”
    MEMBER
    “We are saving $156 per month over the life of our new used car loan by refinancing with DOCFCU.”
    MEMBER
    “I consolidated all my credit card balances onto a DOCFCU VISA and saving $301 a month -just amazing, should have done this a long time ago!”
    Member
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    DOWNLOAD OUR APP

    Get the DOCFCU Mobile App Now

    Manage all your DOCFCU accounts in one convenient place – and from wherever you can access the Internet. Take advantage of time and money-saving services like Bill Pay, Remote Deposit, E-Statements, TurboTax®, Money Management powered by Quicken® and more.

    Available On:

    Apple Store
    Apple Store
    Google Play
    Google Play

    Member News

    Read the monthly DOCFCU eNewsletter

    October 2025

    October 2025

    member news & BENEFITS October 2025 Live Well Below your means Dear Valued Members, As we approach the end of the year, change is…
    September 2025

    September 2025

    Members, Fall Is Here – Let Us Help You Make the Most of It! As cooler weather and colorful autumn leaves arrive, a new…
    August 2025

    August 2025

    DOCFCU Members, make the most of the final month of Summer! August is often wonderful for stargazing! Enjoy prolific Perseid Meteor Showers which reach…

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