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 State Department Federal Credit Union Rates & Review September 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.
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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 and Verified: September 23, 2026
State Department Federal Credit Union's Conforming 15 Year Fixed rates are at 6.25%, Conforming 15 Year Fixed rates are at 6.38%, Super Conforming 15 Year Fixed rates are at 6.38%, Conforming 5/5 ARM rates are at 6.00%, Conforming 15/15 ARM rates are at 6.25%. State Department Federal Credit Union's Personal Loan Rates are as low as 8.49%. State Department Federal Credit Union's Credit Card Rates are at 10.49%. MonitorBankRates evaluates the financial stability of State Department Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.16%. Rates last updated and verified on 09/23/2026. State Department Federal Credit Union 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 State Department Federal Credit Union? Share your experience about State Department Federal Credit Union by leaving a review below, or read customer reviews before you decide to use State Department Federal Credit Union. State Department Federal Credit Union
Headquarters 1630 King St
https://www.sdfcu.org Alexandria, VA 22314-2763 
State Department Federal Credit Union Mortgage Rates
State Department Federal Credit Union Home Equity & HELOC
State Department Federal Credit Union Auto Loan Rates
State Department Federal Credit Union Credit Card Rates
State Department Federal Credit Union Personal Loan Rates
State Department Federal Credit Union Other Rates
Financial Health HistoryState Department Federal Credit Union’s Texas Ratio rose from 2.90% in Q2 2023 to 4.16% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for State Department Federal Credit Union 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 State Department Federal Credit Union 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 State Department Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
State Department Federal Credit Union
Website
https://www.sdfcu.org
Address
1630 King St,
Alexandria, VA 22314-2763
Phone
703-706-5000
Fax
President
Marlene Schwartz
CEO
James Hayes
Full-Time Employees
227
Part-Time Employees
1
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.16%
Return on Assets (ROA)
0.1208%
Return on Equity (ROE)
1.1346%
Non-Performing Loans Ratio (NPL)
0.90%
Total Assets
2,940,189,866
Total Amount of Shares and Deposits
2,420,054,159
Total Shares and Deposits < 1 Year
2,221,858,419
Total Shares and Deposits 1 3 Years
141,050,614
Total Shares and Deposits > 3 Years
57,145,126
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
523,514,222
Total Uninsured Shares and Deposits > $250K (F+J)
523,514,222
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,896,539,937
Total Interest Expense (Sum of items 6 8)
13,540,167
Share Certificates
15,206
Number of Accounts for Share Drafts
54,557
IRA KEOGH Accounts
6,025
Number of Accounts for Regular Shares
95,517
All other shares
3,045
Money Market Shares
15,046
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
135,797,118
Total Liabilities
2,696,363,219
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About State Department Federal Credit UnionHow many branches does State Department Federal Credit Union operate?State Department Federal Credit Union 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 State Department Federal Credit Union?Yes, to access services at State Department Federal Credit Union, 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, State Department Federal Credit Union 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, State Department Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does State Department Federal Credit Union offer online and mobile banking?Most modern institutions like State Department Federal Credit Union 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.sdfcu.org. Compare to Other Credit Unions
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