Loans, Lines of Credit and Credit Cards

From purchasing your first home to refinancing an existing mortgage; or taking advantage of our Car Buying Service to getting a credit card with competitive rates and zero fees, we’ve got the loans and lines of credit you need.


Mortgage Loans

Choose a lender you can trust. At DOCFCU, our experienced mortgage lenders will be with you every step of the way, helping you to choose the mortgage option that fits your needs and budget.

  • Fixed rates
  • Loan amounts from $75,000 – to $1,500,000
  • Available for primary residences or second homes (no investment properties)
  • Loans up to 97% loan-to-value*
  • First and second mortgage combination loans up to 90% loan-to-value
  • Manage your loan online, including making payments
  • Available for homes in all 50 states

VISIT Our Dedicated DOCFCU MORTGAGE Website to Learn More

  • Get a personalized, no obligation rate quote
  • Get pre-qualified for your next mortgage
  • Explore the resource available to help you make smart choices

Convenient Online Mortgage Access

You can view your mortgage statement, review your payment history, check your escrow balances, and even make a direct online payment from your account.

Have Mortgage Questions?

For questions regarding our application process, to get pre-approved or to ask general questions about getting a DOCFCU mortgage, please contact our experts directly:

For questions regarding your DOCFCU mortgage application, please contact us at (804) 588-4788 or email us at info@docfcu.org 

For questions regarding your DOCFCU mortgage, please contact our mortgage servicer at (877) 636-9780.


Home Equity Loan and Line of Credit - Zero Closing Costs*

A home equity line of credit from DOCFCU can be a smart way to fund a variety of needs, including a home renovation or repairs, education expenses, the trip of a lifetime, or even simply to consolidate debt. Our experienced lenders are ready to help with tailored line of credit just for you.

A home equity loan, or “second trust loan”, is another option that substitutes a fixed rate for the variable rate of a home equity line of credit.

*No closing costs on an initial advance of $20,000 or more. Borrow up to 90% of your home’s value (minus your first mortgage balance) up to $350,000 must be eligible for DOCFCU membership. Other restrictions may apply, contact us for details. NMLS #810389

Home Equity Line of Credit

  • A low variable interest rate of Prime+0*
  • No closing costs on an initial advance of $20,000 or more
  • Tax-deductible interest payments (consult your tax advisor for details)
  • The ability to borrow up to 90% of your home’s value (minus your first mortgage balance) up to $350,000

Home Equity Loan (2nd Trust)

  • A low fixed rate
  • Tax-deductible interest payments (consult your tax advisor for details)
  • The ability to borrow up to 90% of your home’s value (minus your first mortgage balance) up to $350,000


Auto Loans

An auto loan from DOCFCU can help you drive a hard bargain. Whether you are looking to purchase a new or used vehicle, or refinance your existing auto loan to save money, our low rates and value-added services can make a big difference.

  • Up to 135% loan-to-value(LTV) on new and used financing*
  • Quick approvals (Within 24 hours or less)
  • Rate matching available to qualified members
  • Relationship rewards discounts (cannot be combined with match rate)
  • Free Autocheck for used vehicles with loan application

*Other rates and terms may apply based on your creditworthiness. Guaranteed Asset Protection (GAP) Insurance is required on any vehicle with an LTV over 100%.

* APR=Annual Percentage Rate. Vehicle Rates, as low as 5.49% APR with up to 60 mo terms, $10,000 min.; as low as 5.99% APR with up to 72 mo terms, $20,000 min.; as low as 6.49% APR with up to 84 mo terms, $40,000 min. New & Used – Model Years 2019 and newer. Flash Sale is 5/22-5/26/23 ONLY and may be withdrawn without notice. No Relationship Rewards interest rate discounts apply. Existing DOCFCU vehicle loans are not eligible for refinancing, only loans from other lenders.  Restrictions apply, contact us for details.

DOCFCU Car Buying Service, Powered by TrueCar

We will also give give a member .25% off of the rate if they use True Car and provide us with the certificate of purchase. 

Auto Loan Calculators

Use our calculators to help you estimate your monthly payments.

Additional Services

There’s more to a smart deal than a good price. That’s why we offer a variety of additional programs and tools to help you both purchase wisely and protect your investment.

Additional Services

GAP Insurance to Protect Your Loan

Guaranteed Asset Protection (GAP) insurance helps ease your financial burden by paying the potentially high-cost difference between your insurance settlement and your loan balance on items directly related to the purchase of your vehicle.

To learn more, please contact a loan officer at 202.808.3600.


  • 90-day free look – you may cancel your protection within 90 days of your enrollment date and receive a full refund and no cancellation fee.
  • Skipped payments – protection includes skip-a-payment or delinquent-payment features for the life of the financial agreement.
  • Available on loans – protects new and used vehicles.
  • Primary vehicle insurance deductible – pays up to $1,000 of your vehicle insurance deductible.*
Additional Services

Extended Vehicle Service

Protect yourself from unexpected, high-cost repairs, not to mention, increase the resale value, if you choose to sell your vehicle.

Most major car repairs occur after the factory warranty period ends. Without a Vehicle Service Agreement (VSA) — you may wind up paying for unexpected and expensive repairs. As a result, extended coverage for auto repairs has become a necessity. Department of Commerce Federal Credit Union has teamed up with Intercontinental Warranty Services to provide you with a more affordable means of protection for your new or eligible pre-owned vehicle.

Check with your loan officer about your options and learn how you could save up to 50% off dealer pricing. You may be eligible for coverage even if you don’t currently have an auto loan with Department of Commerce Federal Credit Union.

Here are some of the many benefits:

  • Low Deductible
  • Nationwide protection for new and eligible pre-owned cars, 9 years old and newer, with up to 125,000 miles on the odometer
  • Transferable Warranty
  • Towing up to $100 (max per claim)
  • Car Rental up to $500 ($50/day up to 10 days)
  • Trip Interruption Expenses up to $300 ($100 a day up to 3 days)
  • Travel Expenses up to $225
  • Increased Vehicle Resale Value
  • 60-day cancellation option with 100% refund
  • Roadside Assistance up to $80 (per incident**)
  • Flat tire
  • Fluid delivery
  • Jumpstart
  • Lock-out protection
Plus, the following new options are now available
  • Accidental Loss Refund* (optional coverage to protect against total loss due to collision or acts of nature only)
  • KeyGuard* (optional coverage for key/transponder replacement)
  • Powersports Warranty Option for motorcycles, All Terrain Vehicles (ATVs), personal watercraft and snowmobiles.

Get a free, no-obligation quote online, or speak with any of our loan officers at 202.808.3600 to learn more.


Personal Loan

A personal loan from DOCFCU can be used for any reason – and with our competitive rates and fixed monthly payments, it can be a smart way to save while you borrow the money that you need.

  • Borrow from $500 – $50,000
  • Flexible terms up to 72 months
  • Easy online application with results within 24 hours
  • No annual fees or pre-payment penalties

Personal Line of Credit

Borrow what you need, when you need it, without having to reapply. Get convenient access to funds when accidents and emergencies happen. You never know when you might need a little extra money.

  • Immediate access to funds
  • Line of credit amounts from $250 – $50,000
  • No annual fee
  • Can be linked to your checking account for overdraft protection


Credit Cards

JUST SAY “NO” TO FEES! With competitive rates and no annual fees – or fees for balance transfers or cash advances – a DOCFCU credit card can help you save while you spend.


  • No annual fee
  • No balance transfer fees – consider consolidating other credit card debit into one low rate
  • No cash advance fee
  • Low fixed interest rate
  • EMV CHIP ENABLED for security
  • VISA Pre-Disclosure PDF

Applying is easy. Click here to apply online or call 202.808.3600. Based on your credit rating, we’ll issue you a Classic, Gold or Platinum DOCFCU credit card.

*APR – Annual Percentage Rate


Emergency Loans

We can offer you relief during tough times, with our Emergency Loan.

We understand that unexpected things happen.  If you have been affected by an unplanned emergency/disaster, such as hurricane, flood, fire, furlough or eviction, we can help.

  • Get a low 11.99% APR*
  • Borrow amounts up to $5,000
  • No payments for first 60 days**
  • Terms up to 24 months and no repayment penalties


Payday Alternative Loan (PAL)

We’re here to help when emergencies happen, and you need cash right away. A Payday Alternative Loan can help you avoid traditional high-cost short-term payday loans.

  • $200 – $2,000 loan amounts
  • Up to 6 months to repay a loan amount up to $1,000 or less
  • Up to 12 months to repay a loan amount between $1,000 – $2,000
  • Fixed interest rate of 28%
  • The credit union will collect a $20.00 application fee from all applicants (fees will be collected and kept whether approved or denied)