Credit union · NCUA insured
Department of Commerce Federal Credit Union Savings Rates
Department of Commerce Federal Credit Union’s best savings rate is 1.87% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Department of Commerce Federal Credit Union’s savings 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
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $200
Advantage Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Department of Commerce Federal Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.87%
- $100,000 balance$100,0002.10%
- QualifiedQualified2.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.87%APY
Variable rate tied to the Wall Street Journal Prime Rate as published on the last day of the month. $2,500 minimum deposit to earn dividends. No monthly maintenance fee. NCUA insured.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $19,999Tied to Wall Street Journal Prime Rate as published on the last day of the month. Minimum $2,500 deposit to earn dividends. | 1.87% | $187 | Tied to Wall Street Journal Prime Rate as published on the last day of the month. Minimum $2,500 deposit to earn dividends. |
| $2,500 – $19,999 | 1.87% | $187 | |
| $20,000 – $49,999Tied to Wall Street Journal Prime Rate as published on the last day of the month. Minimum $2,500 deposit to earn dividends. | 2.02% | — | Tied to Wall Street Journal Prime Rate as published on the last day of the month. Minimum $2,500 deposit to earn dividends. |
| $20,000 – $49,999 | 1.92% | — | |
| Over $50,000Tied to Wall Street Journal Prime Rate as published on the last day of the month. Minimum $2,500 deposit to earn dividends. | 2.10% | — | Tied to Wall Street Journal Prime Rate as published on the last day of the month. Minimum $2,500 deposit to earn dividends. |
| Over $50,000 | 1.97% | — |
Advantage Savings
Up to 2.00%APY
Must have an Advantage Rewards Checking or Advantage Cash Back Checking account. Requires at least 12 debit card purchases, at least one direct deposit or ACH credit transaction of $500 or more, and enrollment in e-statements within Online Banking during each Monthly Qualification Cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Qualifying rate for daily balances up to and including $100,000.00 when monthly qualifications are met. | 2.00% | $200 | Qualifying rate for daily balances up to and including $100,000.00 when monthly qualifications are met. |
| Any balanceRate applied to the entire daily balance when monthly qualifications are not met. | 0.05% | $5 | Rate applied to the entire daily balance when monthly qualifications are not met. |
| Over $100,000Earns 0.25% dividend rate on the portion of daily balance over $100,000.00 when monthly qualifications are met, resulting in a blended range from 2.00% to 1.13% APY depending on balance. | 0.25% | — | Earns 0.25% dividend rate on the portion of daily balance over $100,000.00 when monthly qualifications are met, resulting in a blended range from 2.00% to 1.13% APY depending on balance. |
Sources (3)
All captured Sep 19, 2026
Share Savings Account
0.05%APY
Initial funding amount of $5.00 remains on hold until the overall account is closed. Limited to 6 withdrawals per month under Federal Regulation D.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Special-purpose accounts
IRA Money Market Accounts
1.87%APY
Includes Traditional, Roth & Education IRAs. Variable rate tied to the Wall Street Journal Prime Rate as published on the last day of the month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $19,999 | 1.87% | $187 |
| $20,000 – $49,999 | 1.92% | — |
| Over $50,000 | 1.97% | — |
Club Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Youth Share Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
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.