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Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 DC Federal Credit Union Rates & Review October 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: October 9, 2026
DC Federal Credit Union's top rates as of October 9, 2026 are 4.10% APY on its Educational 12 Month CD, 0.20% APY on savings, 2.12% APY on money market accounts, personal loans from 8.99% APR, and credit cards from 12.00% APR, according to rates verified by MonitorBankRates. Other DC Federal Credit Union CD rates include Educational 12 Month CD at 4.05%, Educational 12 Month CD at 4.05%, and Educational 12 Month CD at 4.00%. MonitorBankRates evaluates the financial stability of DC Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.82%. Rates last updated and verified on 10/09/2026. DC 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 DC Federal Credit Union? Share your experience about DC Federal Credit Union by leaving a review below, or read customer reviews before you decide to use DC Federal Credit Union. DC Federal Credit Union
Navy Yard 20 M St SE Ste 280
https://www.dccreditunion.coop/ Washington, DC 20003-3548  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. DC Federal Credit Union CD Rates
DC Federal Credit Union Savings Rates
DC Federal Credit Union Money Market Rates
DC Federal Credit Union Home Equity & HELOC
DC Federal Credit Union Credit Card Rates
DC Federal Credit Union Personal Loan Rates
DC Federal Credit Union Other Rates
Financial Health HistoryDC Federal Credit Union’s Texas Ratio rose from 7.65% in Q3 2023 to 11.82% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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 DC 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 DC 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 DC Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
DC Federal Credit Union
Website
https://www.dccreditunion.coop/
Address
20 M St SE Ste 280,
Washington, DC 20003-3548
Phone
771-333-2038
Fax
202-673-3508
President
Charlotte Ducksworth
CEO
Sybil Bogans
Full-Time Employees
23
Part-Time Employees
0
Branch Locations
3
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.82%
Return on Assets (ROA)
0.0494%
Return on Equity (ROE)
0.3822%
Non-Performing Loans Ratio (NPL)
2.57%
Total Assets
88,874,298
Total Amount of Shares and Deposits
74,807,516
Total Shares and Deposits < 1 Year
72,471,739
Total Shares and Deposits 1 3 Years
2,058,262
Total Shares and Deposits > 3 Years
277,515
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,031,537
Total Uninsured Shares and Deposits > $250K (F+J)
3,031,537
Total Insured Shares and Deposits > $250K (item 17 less item K)
71,775,979
Total Interest Expense (Sum of items 6 8)
260,156
Share Certificates
424
Number of Accounts for Share Drafts
7,690
IRA KEOGH Accounts
161
Number of Accounts for Regular Shares
12,328
All other shares
1,470
Non Member Deposits
1
Money Market Shares
190
Net Income (unless the amount is already included in Undivided Earnings)
43,873
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)
11,715,959
Total Liabilities
80,280,314
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About DC Federal Credit UnionHow many branches does DC Federal Credit Union operate?DC 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 DC Federal Credit Union?Yes, to access services at DC 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, DC 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, DC Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does DC Federal Credit Union offer online and mobile banking?Most modern institutions like DC 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.dccreditunion.coop/. Current DC Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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