Credit union · NCUA insured
Department of Commerce Federal Credit Union
A $762.4M credit union headquartered in Washington, DC, with 29,033 members and 1 branch in District of Columbia. Best rates: CDs 2.08% and savings 1.87% APY.
Department of Commerce Federal Credit Union Carrot Score
76
Carrot Score
Higher than 40% of U.S. banks and credit unions
#77 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Department of Commerce Federal Credit Union
Department of Commerce Federal Credit Union is a member-owned, not-for-profit credit union managed by volunteers.
- Headquarters
- 1401 Constitution Ave NW Rm B-0038A, Washington, DC 20230-0001
- NCUA charter
- 16410
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Open to all U.S. citizens and resident aliens.
Where you live or work
- Anyone who lives, works, worships or attends school in Washington, DC is eligible for membership.
Military, government and schools
- Current or retired employees of a US Department of Commerce Contractor are eligible for membership.
- Current or retired employees of US Department of Commerce, NOAA or Affiliates are eligible for membership.
- Current or retired employees of the Executive Office of the President are eligible for membership.
- Current or retired employees of White House Management & Administration Office are eligible for membership.
2 more ways to join
Family and household
- A family member or individual that currently lives with a DOCFCU member is eligible for membership.
Other ways
- Consumers are eligible for membership by joining the American Consumer Council (ACC) with dues sponsored/covered.
Branches
1 branch in District of Columbia
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District of Columbia
1 branch
- Main OfficeMain office1401 Constitution Ave NW Rm B-0038A, Washington, DC 20230Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 5.41% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.75% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.09% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $97 | $76 | — |
- CapitalNet worth ratio5.41%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.75%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.09%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$97Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Department of Commerce Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.