Credit union · NCUA insured
Department of Commerce Federal Credit Union CD Rates
Department of Commerce Federal Credit Union’s best CD rate is 2.08% APY on a 4-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Department of Commerce Federal Credit Union’s CD 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. $10,000, best rate first.
This credit union’s best
Department of Commerce Federal Credit Union
2.08%APY
- Term
- 48–59 months
- Minimum
- $500
- Earns on $10,000
- —
Share Certificates
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Department of Commerce Federal Credit Union CD score
63
CD score
Higher than 9% of U.S. banks and credit unions
- 3–8 months3–8 mo2.02%
- 9–15 months9–15 mo2.02%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo2.08%
- QualifiedQualified2.08%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Department of Commerce Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 2.08%APY · 6 terms
Initial deposits as low as $500. No monthly service fees. No additional funds may be deposited during the certificate term. Early withdrawal penalties apply (90 days interest for 6-11 month maturities; 180 days interest for 12-84 month maturities). Dividends deposited/credited monthly. 10-day grace period following maturity date. Insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 2.02% | $100 |
| 12–23 months | 2.02% | $202 |
| 24–35 months | 2.02% | $408 |
| 36–47 months | 2.07% | $634 |
| 48–59 months | 2.08% | $858 |
| 60–84 months | 2.08% | $1,084 |
Sources (1)
- docfcu.org/certificates-savings · captured Oct 3, 2026
Special-purpose accounts
IRA Certificates
Up to 2.08%APY · 5 terms
Includes Traditional, Roth & Education IRAs. Held within an IRA account with tax advantages. Dividends posted monthly. Certificates insured up to $250,000 per depositor by NCUA. 10-day grace period to renew or close certificate. No monthly service fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–23 months | 2.02% | $202 |
| 24–35 months | 2.02% | $408 |
| 36–47 months | 2.07% | $634 |
| 48–59 months | 2.08% | $858 |
| 60–84 months | 2.08% | $1,084 |
Sources (1)
- docfcu.org/certificates-savings · captured Oct 3, 2026
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.