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Department of Commerce FCU Rates & Review July 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| iEditorial Disclosure
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: July 11, 2026

You can compare Department of Commerce FCU rates to other rates in our database, including 12-month share certificate rates currently at 0.15%, 6-month share certificate rates at 2.01% and 3-month share certificate rates at 2.52%. Savings rates are at 0.50% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.91%. All these rates can be compared to Department of Commerce FCU rates. MonitorBankRates evaluates the financial stability of Department of Commerce FCU with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.49%. Rates were last updated on 07/11/2026.

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.

Overall Health & Safety Grade ?
A
Excellent Health Score: 93/100
MonitorBankRates Rating ?
4.9
Exceptional Out of 5.0 Stars
Texas Ratio ?
12.49%
Excellent Higher than avg
Department of Commerce FCU
Main Office
1401 Constitution Ave NW Rm B 0038A
Washington, DC 20230 0001
https://www.docfcu.org
Member NCUA

Current Rate Availability

We do not have Department of Commerce FCU rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
12.49%
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

Customer Reviews

There are no reviews for Department of Commerce FCU yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Department of Commerce FCU

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.

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