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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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Your Key to Great-Rate...
HOME EQUITY Options!
  • Unlock up to $350,000
  • No Closing Costs* Lines of Credit
  • Fixed-Rate Equity Loans
    • How will you use your equity? APPLY
    DOCFCU-HEROBanner-3-2025-Vehicle-1920wX680h-v1

    Hit the Open...

    ROAD to SAVINGS

    • New/used, buy or refi*
    • Low rates & flexible terms
    • Easy to apply & fast approvals
    Drive your Dream for LESS - APPLY
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    Our Loans & Credit Cards are

    EASY STREET TO SAVING MONTHLY

    • Refinance Vehicle Loans
    • Transfer Credit Card Balances
    • Consolidate Loans & Debt
    Start your SAVINGS JOURNEY now!
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    Banking that PAYS!

    DOCFCU Performance CHECKING

    • Earn up to $700 annually*
    • Instant Access to your Money
    • Everything you need in checking
    Switch your CHECKING & EARN >
    DOCFCU-HEROBanner-3-2025-FeeChange-Statements-1920wX680h-v2FINAL

    STARTING MAY 1, 2025

    NEW Paper Statement FEE

    • $3 Monthly for Mailed Statements
    • Enroll for FREE E-Statements
    • Enjoy the Benefits of E-Statements
    AVOID THIS FEE, Enroll before May 1 - Click now >

    SHARE CertificateS as high as

    2.23% 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:

    "I consolidated various loans plus my car loan from the dealer/bank and now saving $415 per month in my payments.”
    MEMBER
    "We consolidated debt (credit cards and auto) we had with other institutions and now saving $355 a month on my payments.”
    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

    April 2025

    April 2025

    Happy Spring, Member-Owners! Ending soon, don’t miss our 1040 Tax Loan Special. Borrow up to $10,400 for any reason with terms up to 35…
    March 2025

    March 2025

    Spring Into Financial Opportunities & Growth! Our popular 1040 Tax Loan SPECIAL is back. Hurry, it’s only available March 3 thru April 25. Take…
    February 2025

    February 2025

    Winter Greetings… Hoping your heart gets lighter as the days get brighter. As we embrace the season, we’re excited to bring you some fantastic…

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