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 Department of Commerce FCU Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
Department of Commerce FCU's Share & IRA CD 6-11 Month rates are at 2.12%, Share & IRA CDs 6-11 Month rates are at 2.12%, IRA CDs 12-23 Month rates are at 1.92%, IRA CDs 24-35 Month rates are at 1.92%, Share & IRA CD 12-23 Month rates are at 1.92%. Department of Commerce FCU's savings rates are at 0.05%. Department of Commerce FCU's money market rates are at 1.87%. Department of Commerce FCU's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Department of Commerce FCU with a 4.8 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.46%. Rates were last updated on 03/25/2026. Department of Commerce FCU money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Department of Commerce FCU? Share your experience about Department of Commerce FCU by leaving a review below, or read customer reviews before you decide to use Department of Commerce FCU. Department of Commerce FCU
Main Office 1401 Constitution Ave NW Rm B 0038A
https://www.docfcu.org Washington, DC 20230 0001 
Department of Commerce FCU CD Rates
Department of Commerce FCU Savings Rates
Department of Commerce FCU Money Market Rates
Department of Commerce FCU Checking Rates
Department of Commerce FCU Home Equity & HELOC
Department of Commerce FCU Credit Card Rates
Department of Commerce FCU Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Department of Commerce FCU is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Department of Commerce FCU rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Department of Commerce FCU's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Department of Commerce FCU
Website
https://www.docfcu.org
Address
1401 Constitution Ave NW Rm B 0038A,
Washington, DC 20230 0001
Phone
202-808-3600
Fax
202-482-4317
President
Brian Digiacomo
CEO
Patrick Collins
Full-Time Employees
80
Part-Time Employees
0
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.8 / 5.0 ★
Overall Health & Safety Grade
A- (90/100)
Texas Ratio
16.46%
Return on Assets (ROA)
-0.1332%
Return on Equity (ROE)
-1.9169%
Non-Performing Loans Ratio (NPL)
1.28%
Total Assets
768,561,605
Total Amount of Shares and Deposits
711,013,271
Total Shares and Deposits < 1 Year
316,959,102
Total Shares and Deposits 1 3 Years
146,875,796
Total Shares and Deposits > 3 Years
247,178,373
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
74,907,527
Total Uninsured Shares and Deposits > $250K (F+J)
74,907,527
Total Insured Shares and Deposits > $250K (item 17 less item K)
636,105,744
Total Interest Expense (Sum of items 6 8)
16,216,526
Share Certificates
6,935
Number of Accounts for Share Drafts
11,632
IRA KEOGH Accounts
1,063
Number of Accounts for Regular Shares
33,729
Non Member Deposits
1
Money Market Shares
1,783
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,304,224
Total Liabilities
740,473,663
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Department of Commerce FCUIs Department of Commerce FCU a safe place to deposit money?Yes, Department of Commerce FCU is considered a safe financial institution. With a Texas Ratio of 16.45708908641%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Department of Commerce FCU operate?Department of Commerce FCU currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Department of Commerce FCU?Yes, to access services at Department of Commerce FCU, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Department of Commerce FCU does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Department of Commerce FCU provides members with tools to manage their accounts and build a solid financial history. Does Department of Commerce FCU offer online and mobile banking?Most modern institutions like Department of Commerce FCU provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.docfcu.org. Current Department of Commerce FCU Rates
Retrieved from our database of financial products. Rates subject to change.
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