Credit union · NCUA insured
Department of Commerce Federal Credit Union Auto Loan Rates
Department of Commerce Federal Credit Union auto loans start at 5.64% APR for a new vehicle and 5.64% for a used one. Rates checked October 22, 2026.
How Department of Commerce Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Department of Commerce Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Department of Commerce Federal Credit Union
5.64%APR
- Terms
- up to 63 months
Vehicle/Truck Loans
Lowest rate
TruEnergy Federal Credit Union
3.74%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Department of Commerce Federal Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.64%
- Used vehicleUsed5.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Department of Commerce Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycle Loans
Advertised as low as APRs based on exceptional credit. Actual APR depends on credit profile, vehicle model year, loan term, and amount. Rates subject to change.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.79% | New Motorcycles: New and late model used Motorcycles (less than 1 year old) with 5,000 or fewer miles. |
| up to 48 months | 7.99% | New Motorcycles: New and late model used Motorcycles (less than 1 year old) with 5,000 or fewer miles. |
| up to 60 months | 8.99% | New Motorcycles: New and late model used Motorcycles (less than 1 year old) with 5,000 or fewer miles. |
| up to 72 months | 9.50% | New Motorcycles: New and late model used Motorcycles (less than 1 year old) with 5,000 or fewer miles. |
Sources (1)
- docfcu.org/loans · captured Oct 3, 2026
Vehicle/Truck Loans
Rates depend on creditworthiness, credit profile, vehicle model year, loan term, and loan amount. Financing available on vehicle models 10 years old and newer only. Rate matching available to qualified members. TrueCar car buying service provides 0.25% rate discount with certificate of purchase.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | New vehicles: new and late model used vehicles (less than 1 year old) with 5,000 or fewer miles. |
| up to 36 months | 5.64% | Used vehicles: older than 1 year old, no greater than 10 years old, with more than 5,000 miles, but no more than 125,000 miles. |
| up to 63 months | 5.64% | New vehicles: new and late model used vehicles (less than 1 year old) with 5,000 or fewer miles. |
| up to 63 months | 5.94% | Used vehicles: older than 1 year old, no greater than 10 years old, with more than 5,000 miles, but no more than 125,000 miles. |
| up to 75 months | 6.04% | 100% financing. New vehicles: new and late model used vehicles (less than 1 year old) with 5,000 or fewer miles. |
| up to 75 months | 6.54% | 100% financing. Used vehicles: loan terms exceeding 72 months available only for vehicles with less than 60,000 miles, less than 4 years old, with a minimum loan amount of $30,000. |
| up to 84 months | 7.04% | 100% financing. New vehicles: new and late model used vehicles (less than 1 year old) with 5,000 or fewer miles. |
| up to 84 months | 7.34% | 100% financing. Used vehicles: loan terms exceeding 72 months available only for vehicles with less than 60,000 miles, less than 4 years old, with a minimum loan amount of $30,000. |
| up to 96 months | 9.04% | New vehicles only. 100% financing. Terms exceeding 84 months are only available for new vehicles with less than 5,000 miles with a minimum loan amount of $40,000. |
Who can join Department of Commerce Federal Credit Union
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.
Membership information collected October 4, 2026.