Department of Commerce FCU Rates and Review March 2026
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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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Department of Commerce FCU's 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 CDs 12-23 Month rates are at 1.92%, Share & IRA CDs 24-35 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 03/04/2026.
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 by leaving a review below, or read customer reviews before you decide to use . Department of Commerce FCU Texas RatioDepartment of Commerce FCU's Texas Ratio is at 16.46%, which is considered good. The Texas Ratio for Department of Commerce FCU is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This suggests that while Department of Commerce FCU has some non-performing assets, it maintains sufficient capital reserves to handle potential losses. MonitorBankRates Rating
4.8
Exceptional
Out of 5.0 Stars
Department of Commerce FCU has earned a Smart Rating of 4.8 out of 5 stars. 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. Overall, Department of Commerce FCU is an excellent credit union worth considering, with an overall rating of 4.8 stars out of 5 stars. Overall Health & Safety Grade
A-
Very Good Health
Score: 90/100
Department of Commerce FCU has earned an overall safety grade of A-. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/04/2026
Department of Commerce FCU
Main Office 1401 Constitution Ave NW Rm B 0038A
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 & OverviewCredit Union Name: Department of Commerce FCU
Website: https://www.docfcu.org
Full Time Employees: 80Part Time Employees: 0 President: Brian Digiacomo CEO: Patrick Collins Branch Locations: 2 ATM Locations: 2 Corporate Office Address:
1401 Constitution Ave NW Rm B 0038A
Washington, DC 20230 0001 Phone Number: 202-808-3600 Fax Number: 202-482-4317 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Department of Commerce FCUIs a member application needed to join Department of Commerce FCU?Yes, to access services at Department of Commerce FCU, a member application is required. Is there a first-time homebuyer program?Currently, Department of Commerce FCU provides a range of mortgage and home equity products. Is Department of Commerce FCU a safe place to deposit money?Yes, Department of Commerce FCU is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Department of Commerce FCU offer online and mobile banking?Most modern institutions like Department of Commerce FCU provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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