Department of Commerce - Federal Credit Union



EVERYTHING Mortgage & Home Equity

  • Mortgages Anywhere in the USA
  • HELOCs with No Closing Costs*
  • We'll Help Make it Easy

Don't wait - make MEMORIES!


  • Borrow up to $5,000 for anything
  • As low as 8.5% APR*
  • Terms up to 12 months !

Rev Up Your Summer Adventures

Vehicle Loans & Refinancing*

  • Drive a great, LOW RATE
  • Save money monthly
  • Up to 96 months terms*
Is our VISA in your WALLET?
Transfer HIGH-RATE Balances & SAVE
  • Lower your Rate, Lower your Payments
  • You Save Monthly & Pay Down Debt Faster
  • It's Free & EASY
  • SHARE CertificateS as high as

    4.87% APY*

    Checking as high as

    3.50% APY

    Auto Loans as low as

    5.49% 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.


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

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


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

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


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

    Learn More


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


    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.


    What our members have to say:

    “I refinanced my auto loan I had with another lender and now saving $120 a month. I am really thankful to DOCFCU because my payments are more manageable which helps me keep my financial goals on track.”"
    "Tynell provided efficient and outstanding member service!"
    K. L.W. Wilbanks
    "We consolidated our credit cards into a personal loan and now saving $220 a month based on the previous minimum payments. It’s like we gave ourselves a raise!"
    “Thank you very much, Anibal and Denzel for addressing my issue and assistance in making everything correct! I’m a Happy and Loyal Member!”
    “We purchased a new vehicle and DOCFCU’s interest rates beat ALL the banks saving us $120 a month in payments – thank you!”
    I transferred my credit card balances onto a DOCFCU VISA and now saving $320 a month based on the previous minimum payments. “It’s like I gave myself a huge raise -THANK YOU!"
    I recently was the victim of a computer scam. It required that I initiate a check dispute; cancel and reissue my debit card; and close and recreate all of my DOCFCU accounts. Iris Calloway led me through the extensive and for me, complicated process. I am not computer literate but Iris patiently and professionally explained what had to be done and immediately accomplished it. I wanted to complement Iris for her exceptional and effective work.
    Bill Daoulas
    I completed an important wire transfer with Monique Brown. She was consistently concerned about the accuracy, security and nature of the transaction yet, more importantly, she was concerned about our welfare. She worked over and above the call of duty to check, double check and ensure that all was in order so that the transaction could be completed to my satisfaction and could resolve all issue. My compliments for her exceptional work and assistance!
    Emilio Iodice
    I wanted to take a quick minute and give a huge shout out to Jasmine Martell. I had a HELOC payment due today on 10/20 and after trying to make the payment over the phone unsuccessfully with two other reps, she made it happen! This was a very stressful process and she did a great job figuring it out! Also some bonus points for helping setup my online account, so I can make my payments electronically moving forward, making it so much easier! Her incredible customer service was very much appreciated!
    Rich Avila
    Angela Norris - Thank you !!! sooo very much!! for taking my call yesterday. I am sending you profuse and grateful thanks for your excellent and cheerful help yesterday in getting my online password re-established and my profile updated to include the ability to receive text messages of issues with the online banking application. I was beside myself, thinking that someone had gained access to my account because my password was not working, though it seems that I did that to myself somehow. Your gentle reassurance and step by step help, even staying on the phone with me while I completed the necessary identification validation and updates has saved me from the extreme anxiety and headache of not being able to access my account. You are my hero!! I hope that you will pass along my gratitude and appreciation of you to your boss. I wish that all customer service people I talk to would be as helpful, cheerful, and encouraging - at the same time being completely professional - as you were to me yesterday. Thanks again!!
    Suzanne Bricker
    Please allow me to take this amazing opportunity to praise one of your ROCK stars, Pharaoh Kelley. I had the pleasure of working with Mr. Kelley during my car loan process and approval with the Department of Commerce Federal Credit Union. After several back and forth with members of the Credit Union, Mr. Kelley understood my needs and took it upon himself to coach me throughout the process and made sure he communicated with me every step of the way. Purchasing anything can be stressful but having an understanding person on the other end such as Mr. Kelley brought ease and comfort. The world and organizations need more people like Mr. Kelley.
    T. Higginbotham
    I am compelled to express my gratitude and appreciation for Cassandra. This is my first experience with HELOC and first lending experience with DOCFCU. Leveraging the equity in my home is a very big decision and a first time learning experience for me. I am so grateful for the PATIENCE, KNOWLEDGE, EXPERTISE, COMPASSION and kindness shown by Cassandra. I felt respected, appreciated as a member and like a human being. This experience has made me a champion and proud member of DOCFCU. I wish there was some award or gift I could give to Cassandra. I am hoping this short note will encourage upper management to recognize Cassandra and acknowledge her in the highest regard. Cassandra is the epitome of what professionalism truly is and I thank her. Based on my experience with the help of Cassandra I look forward to a lifelong banking relationship with DOCFCU. Thank you.
    dawn h.
    I wanted to let you all know how helpful Mr. Pharoah Kelley was in getting my loan closed out and my check issued to the dealership. By this I mean thoroughness, following up, and helpful demeanor, all of the above. This was a really smooth experience from application through check issuance. Thank you!
    Erin Collier
    I wanted to take a minute to thank you for the wonderful customer service from your organization. I applied for a personal loan and was fortunate enough to be paired up with Kenya. Kenya was absolutely amazing. She stuck with me from the beginning of the process all the way until the end. There wasn't a single time where my phone calls went unanswered, and she was even waiting on me for email responses instead of the other way around. Thank you so much for having people like Kenya on your team. I look forward to dealing with you all again in the future.
    Keith Reals
    I wanted to take a moment to send along my high praises for Anibal. He has been helping me with an ACH payment to pay off my loan in full. We were able to get the form completed and submitted yesterday and the payment went through this morning. He has also been helpful in getting my savings account closed, as it is no longer needed with the loan paid off. He has been super responsive, polite, and has made the experience smoother that I could have ever thought possible. It has been great working with him and I wanted to make sure the necessary people knew that. Thanks
    Derek Pepiak
    We would like to thank you for opening our accounts in such an efficient manner. We would also like to give Tyrome a genuine compliment. In all of the years we have done business with a bank or credit union we have never come across an employee with such impressive people skills and great knowledge and understanding of their job. Best wishes!
    Joanne, Richard and John
    I have been a customer originally with the White House Federal Credit Union until present. Your representative Precious assisted me regarding a Visa application from 2006 which was a joint account in error. Anyway, she helped me sort through the issues and concerns and they were resolved. She was very patient and professional. She even had to call me back to further process my issues. Answered all my questions and really maintained her mannerism and respectfulness even while I mumbled to myself a lot of the time. Since I could not find a customer service survey, I hope this message is received on behalf of Precious. *Excellent, Excellent, Excellent, 10, 10, 10*. Thank you again Precious for your assistance
    Letitia Corbett
    I recently had the pleasure of receiving assistance from Anisha Dawson. My mom recently passed away and was a member of the credit union for many years. I am the executor of her estate. Anisha has shown great compassion and is guiding me through the process with patience and professionalism. Thank you!
    D. Painter
    I wanted to send an employee compliment about TURNEISHA WONSON, who was extremely helpful to me in arranging a rollover of $100,000 from a SEP IRA at TIAA CREF to a Traditional IRA at DOCFCU. She was professional, pleasant, patient, and exemplified excellent customer service. I mentioned to her that I had passed up two financial institutions that were paying even more because of their lack of customer service, which I can only characterize as somewhere between abysmal and non-existent. I decided to open the IRA and purchase the $100,000 CD at DOCFCU not only because of a satisfactory rate, but also because you had personally been so helpful in the past. I was happy to find the same to be true with Turneisha, who also demonstrated exemplary customer service in your absence. I thank you for having such excellent employees and want you (and her) to know it is appreciated.
    Susan G.
    I wanted to let you know how impressed I was with Turneisha in her handling of my new checking account. I had lost my checkbook so I was really in a hurry to get it set up since bills were due. She was totally on top of things and by the time we spoke she had already taken care of 90% of the questions I had for her! She is indeed an asset to the Credit Union. Sincerely
    Mary Ellen King
    LaNiesha was so thorough, efficient and patient enough to take the time to understand what the problem was and resolved it. She is truly an asset to your branch.
    P. Nisbett
    I would like to take this time to celebrate an Outstanding DOCFCU Assistant Branch Manager: LaNeisha Wheeler. I am a New DOCFCU Member. While working 10 hour days as a Registered Nurse with limited time and a very stressful / hectic Schedule LaNeisha helped me Navigate the requirements to Open several CD’s including one very large 84 month Jumbo CD. There were trips to my banks / wire instructions, confirmation of funds and many other steps. LaNeisha always had the answers to my frequent questions. LaNeisha consistently went above and beyond demonstrating the highest levels of Professionalism & Ethics. She is also very knowledgeable regarding Investments. This made a huge difference in stress reduction bringing me calm and confidence. Today I can say I am happy to be a Member of DOCFCU and will refer others to join in the future. Thank-You, LaNeisha
    Elaine Collins RN
    Denzel, Thanks so much for your strong and responsive efforts with this. I could not have asked for anything more. The level of customer service that you provided was truly exceptional.
    Mark Cohen
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