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Department of Commerce Federal Credit Union logo
Department of Commerce Federal Credit Union logo

Become a Member 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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Auto loan and Refi options

Ready for your new ride?
  • Competitive rates for new, used, refi vehicles
  • Flexible terms to fit your budget
  • Member savings
EXPLORE AUTO LOAN SAVINGS
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Make Your Home Goals a Reality

Discover a 20% credit at closing
  • Explore mortgage options that fit your needs
  • Get personal guidance throughout the homebuying process
  • Eligible members can receive a 20% commission rebate*
EXPLORE HOME FINANCING OPTIONS
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Supercharge Your Money

Upgrade Your Checking & Savings
  • Earn more with qualifying Advantage Accounts
  • Enjoy benefits built around your financial goals
  • More benefits like ATM fee reimbursements up to $25 per month when you qualify
EXPLORE ADVANTAGE ACCOUNTS

SHARE CertificateS as high as

2.08% APY*

Checking as high as

5.00% APY*

Auto Loans as low as

5.24% APR*

Credit Cards as low as

17.99% APR*

How Can we help you?

Whether you’re saving or spending, we’ll help you do it wisely.

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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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Savings

Savings options that help you meet your goals.

CDs

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

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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.

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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:

“We are now saving $135 a month by refinancing our car loan from another lender with DOCFCU.”
MEMBER
“We are now finishing our plans for that Vacation we have always wanted to take – THANKS for the Vacation Loan SPECIAL!”
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

October 2026

October 2026

MEMBER NEWS October 2026 October is National Financial Planning and Cybersecurity Awareness Month Protect today. Plan ahead. Feel confident about what’s next. October is…
September 2026

September 2026

MEMBER NEWS SEPTEMBER 2026 Our Commitment to the Communities We Serve At DOCFCU, community engagement is more than something we talk about – it’s…
August 2026

August 2026

Dear Valued Member, August is full of so many opportunities to reset and prepare for what’s ahead. From back-to-school shopping and late summer travel…