Important Alert: If you receive a text (smishing) claiming to be from the Department of Commerce Federal Credit Union regarding your online account or sign-in details, the text message is fraudulent. DOCFCU will NEVER ask you for your One-Time Passcode (OTP) or for your home banking credentials. Delete the text message. If you receive a call asking you for your username and/or password, please hang up the phone and call us back.
Our Silver Spring Branch is closed and will remain closed for the remainder of the day due to a network outage affecting the location. Normal business hours for the branches will resume Wednesday August 26, 2026. Our Main Branch remains open and is available to serve you during normal business hours. We apologize for the inconvenience and appreciate your patience and understanding.

Vehicle Loans & Refinancing

Get Your Financing Ready Before You Shop

Whether you’re planning to purchase a vehicle or already have an auto loan, DOCFCU offers financing solutions designed to fit your needs.

Buying a Vehicle?

Rates as low as 5.19% APR*
Decisions in 24 hours or less
Flexible financing options
Member savings through the DOCFCU Car Buying Service, powered by TrueCar

**Other rates and terms may apply based on your creditworthiness.*

Already Have an Auto Loan?

You may be able to lower your rate, reduce your monthly payment, or adjust your loan terms by refinancing your existing auto loan with DOCFCU.

Ready for the Road Ahead?

The car-buying process starts with knowing your options.