Get in touch  |  Branches & ATMs  |  Routing #254074439
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
Home
Furlough
furlough

Government Shutdown Assistance

DOCFCU remains hopeful the ongoing legislative impasse will be resolved and a funding bill for the continuation of government services will be passed by Congress. We are aware of the significant economic hardship such an event would impose on our members and their families. DOCFCU is here to help our affected members.

furlough loan

Furlough Loan Program

DOCFCU members may qualify for a Furlough Loan. The following terms and conditions apply.

Furlough Loan Details

  • 0% APR Loan for the first month, then 8.99% APR for the remaining term.
  • Loan terms of 6 – 24 months.
  • Loan amount equal to two regular bi-weekly (or equivalent) payroll or retirement checks, net of taxes, deductions, etc., up to $10,000.
  • No payments for the first 60 days.*
  • Members must provide copy of two most recent paystubs and a copy of their furlough letter to verify they are directly impacted by the shutdown. 

*Other restrictions apply, please contact DOCFCU for additional information.

click here to APPLY

skip-a-payment

Loan Skip-A-Pays

Qualified loans may skip up to 2-months of payments. 

The following terms & conditions apply:

  • Skip-a-Pay fee waived.
  • Skip-a-Pay will not affect credit reporting.
  • Finance charges will continue to accrue on your loan, which may extend your loan term.
  • Members must provide a copy of their furlough letter to verify they are directly impacted by the shutdown.
  • VISA Credit Cards, Personal Lines of Credit, and Home Equity Loans/Lines of Credit are ineligible for Skip-a-Pays.
  • Members who have requested Skip-a-Pays in the past 3 months are ineligible.  
  • Auto loan borrowers with GAP protection may be ineligible. Please contact DOCFCU for availability.  

  • Additional restrictions apply.* Please contact us for more information.

click here to COMPLETE SKIP-A-PAY FORM

*By utilizing Skip-A-Pay, interest will continue accruing on the unpaid balance of your loan at the Simple Interest Rate designated in your agreement until your balance is paid in full, and that skipping a payment will have the result of increasing the total amount of interest paid.

VISA & PERSONAL Line of Credit

VISA & Personal Line of Credit Limit Increases

Members with a VISA or an Personal Line of Credit may qualify for a line limit increase. 

Click here to apply for an increase

MORTGAGES

Mortgages

Members with first-lien mortgages affected by the government shutdown may call our Mortgage Department (877)-636-9780 for more information.

share certificates

Penalty-Free Certificate Withdrawals

Members with savings certificates may withdraw their funds without penalty.  Please contact member services at (202) 808-3600 or (888) 626-9845 (toll free) or email service@docfcu.org.

IN-PERSON ACCESS

Branch Access

  • HCHB Branch will be closed to the general public effective 10/2/2025
  • Silver Spring Branch will be open and available for all members.
  • Mail will be processed.
  • Members may utilize our shared branch network for limited transactions.  Click here to locate a Shared Branch near you.