What are the current interest rates at State Department Federal Credit Union?

Current rates for State Department Federal Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 3.60%, 24-Month CD: 3.85%, 60-Month CD: 3.75%, Savings: 0.05%, MMA: 2.02%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
State Department Federal Credit Union

iAdvertiser Disclosure

State Department Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

State Department Federal Credit Union's top rates as of October 12, 2026 are 4.15% APY on its 15 Month Jumbo CD, 0.05% APY on savings, 2.02% APY on money market accounts, 0.80% APY on checking, 6.50% on its Conforming 15 Year Fixed mortgage, personal loans from 8.49% APR, and credit cards from 10.74% APR, according to rates verified by MonitorBankRates. Other State Department Federal Credit Union CD rates include 12 Month Jumbo CD at 4.10%, 12 Month IRA CD at 4.05%, and 15 Month CD at 4.05%. Other State Department Federal Credit Union mortgage rates include Conforming 15 Year Fixed at 6.62%, Super Conforming 15 Year Fixed at 6.62%, and Super Conforming 15 Year Fixed at 6.75%. 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 4.05%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.05%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

State Department Federal Credit Union
Headquarters

1630 King St
Alexandria, VA 22314-2763

https://www.sdfcu.org

Customer Reviews

Be the first to review

Write a Review

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.

State Department Federal Credit Union CD Rates

Product	Rate	APY	Term
15 Month Jumbo Certificate	-	4.15%	15 months
Min Balance $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.10% → 4.15% ▲ 0.05 pts · high 4.15% / low 4.10% Oct 4, 20264.15%▲ from 4.10% Sep 25, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
12 Month Jumbo Certificate	-	4.10%	12 months
Min Balance $100,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.84% → 4.10% ▲ 0.26 pts · high 4.10% / low 3.84% Oct 4, 20264.10%▲ from 3.84% Sep 25, 20263.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
12 Month IRA Certificate	-	4.05%	12 months
Min Balance $500 Details Minimum Balances of $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.79% → 4.05% ▲ 0.26 pts · high 4.05% / low 3.79% Oct 4, 20264.05%▲ from 3.79% Sep 25, 20263.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
15 Month Certificate	-	4.05%	15 months
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00% Oct 4, 20264.05%▲ from 4.00% Sep 25, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
12 Month Certificate	-	4.00%	12 months
Min Balance $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.74% → 4.00% ▲ 0.26 pts · high 4.00% / low 3.74% Oct 4, 20264.00%▲ from 3.74% Sep 25, 20263.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
24 Month Jumbo Certificate	-	3.96%	24 months
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.96% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
24 Month IRA Certificate	-	3.91%	24 months
Min Balance $500 Details Minimum Balances of $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.91% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
24 Month Certificate	-	3.85%	24 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
60 Month Jumbo Certificate	-	3.85%	60 months
Min Deposit $100,000 Details Minimum Balances of $100,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
60 Month IRA Certificate	-	3.80%	60 months
Min Balance $500 Details Minimum Balances of $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
36 Month Jumbo Certificate	-	3.75%	36 months
Min Deposit $100,000 Details Minimum Balances of $100,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
48 Month Jumbo Certificate	-	3.75%	48 months
Min Deposit $100,000 Details Minimum Balances of $100,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
60 Month Certificate	-	3.75%	60 months
Min Deposit $500 Details Minimum Balances of $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
17 Month Jumbo Bump Up Certificate	-	3.70%	17 months
Min Deposit $100,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
36 Month IRA Certificate	-	3.70%	36 months
Min Balance $500 Details Minimum Balances of $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
48 Month IRA Certificate	-	3.70%	48 months
Min Balance $500 Details Minimum Balances of $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
36 Month Certificate	-	3.65%	36 months
Min Deposit $500 Details Minimum Balances of $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
48 Month Certificate	-	3.65%	48 months
Min Deposit $500 Details Minimum Balances of $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
6 Month Jumbo Certificate	-	3.64%	6 months
Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.64% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
17 Month Bump Up Certificate	-	3.60%	17 months
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
6 Month Certificate	-	3.55%	6 months
Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
30 Month Jumbo Bump Up Certificate	-	3.49%	30 months
Min Deposit $100,000 Details Minimum Balances of $100,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.49% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
45 Month Jumbo Bump Up Certificate	-	3.49%	45 months
Min Deposit $100,000 Details Minimum Balances of $100,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.49% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
30 Month Bump Up Certificate	-	3.39%	30 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.39% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
45 Month Bump Up Certificate	-	3.39%	45 months
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.39% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

State Department Federal Credit Union Savings Rates

Product	Rate	APY
Custom Savings	-	0.05%
Details Rates effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Share Savings	-	0.05%
Details Rates effective October 1, 2026 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

State Department Federal Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	-	2.02%
Min Balance $250,000 Details Balance: $250,000 & Up; Premier account will not earn dividends if the balance falls below $25,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Premier Money Market	-	1.76%
Min Balance $100,000 Details Balance: $100,000 - $249,999; Premier account will not earn dividends if the balance falls below $25,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.76% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Premier Money Market	-	1.51%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Premier account will not earn dividends if the balance falls below $25,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Premier Money Market	-	1.26%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Premier account will not earn dividends if the balance falls below $25,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.26% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Prime Money Market	-	1.21%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99; Prime account will not earn dividends if the balance falls below $2,000 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 0.25% → 1.21% ▲ 0.96 pts · high 1.21% / low 0.25% Oct 8, 20261.21%▲ from 0.25% Oct 4, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Prime Money Market	-	1.21%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Prime account will not earn dividends if the balance falls below $2,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.21% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Prime Money Market	-	1.21%
Min Balance $25,000 Details Balance: $25,000 & Up; Prime account will not earn dividends if the balance falls below $2,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.21% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

State Department Federal Credit Union Checking Rates

Product	Rate	APY
Privilege Checking	-	0.80%
Min Balance $25,000 Details Qualifications Required; $25,000 minimum checking account balance; personal accounts only; dividends calculated daily Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Advantage Checking	-	0.75%
Min Balance $2,000 Details Qualifications Required; $2,000 minimum checking account balance; personal accounts only; dividends calculated daily Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

State Department Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conforming 15 Year Fixed	6.50%	0.250%	6.54%	15 years
No additional details. Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.38% → 6.54% ▲ 0.17 pts · high 6.67% / low 6.38% Oct 12, 20266.54%▼ from 6.67% Oct 8, 20266.67%▲ from 6.50% Oct 4, 20266.50%▼ from 6.58% Oct 2, 20266.58%▲ from 6.38% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Conforming 15 Year Fixed	6.625%	0.000%	6.625%	15 years
No additional details. Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.38% → 6.63% ▲ 0.25 pts · high 6.67% / low 6.38% Oct 12, 20266.63%▼ from 6.67% Oct 8, 20266.67%▲ from 6.50% Oct 4, 20266.50%▼ from 6.58% Oct 2, 20266.58%▲ from 6.38% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Super Conforming 15 Year Fixed	6.625%	0.125%	6.645%	15 years
No additional details. Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.50% → 6.65% ▲ 0.14 pts · high 6.81% / low 6.50% Oct 12, 20266.65%▼ from 6.81% Oct 8, 20266.81%▲ from 6.63% Oct 4, 20266.63%▼ from 6.69% Oct 2, 20266.69%▲ from 6.50% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Super Conforming 15 Year Fixed	6.75%	0.000%	6.75%	15 years
No additional details. Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.81% / low 6.50% Oct 12, 20266.75%▼ from 6.81% Oct 8, 20266.81%▲ from 6.63% Oct 4, 20266.63%▼ from 6.69% Oct 2, 20266.69%▲ from 6.50% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Conforming 7/6 ARM	6.625%	0.500%	6.793%
Details Conforming ARM Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 6.63% → 6.79% ▲ 0.17 pts · high 6.79% / low 6.63% Oct 12, 20266.79%▲ from 6.76% Oct 8, 20266.76%▲ from 6.71% Oct 4, 20266.71%▼ from 6.76% Oct 2, 20266.76%▲ from 6.71% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Conforming 10/6 ARM	6.50%	2.000%	6.821%
Details Conforming ARM Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 6.65% → 6.82% ▲ 0.17 pts · high 6.82% / low 6.65% Oct 12, 20266.82%▲ from 6.79% Oct 8, 20266.79%▲ from 6.74% Oct 4, 20266.74%▼ from 6.80% Oct 2, 20266.80%▲ from 6.74% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Conforming 5/5 ARM	6.50%	0.250%	6.823%
Details Conforming ARM Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 6.44% → 6.82% ▲ 0.39 pts · high 6.87% / low 6.44% Oct 12, 20266.82%▼ from 6.87% Oct 8, 20266.87%▲ from 6.77% Oct 4, 20266.77%▼ from 6.81% Oct 2, 20266.81%▲ from 6.63% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Conforming 5/5 ARM	6.625%	0.000%	6.849%
Details Conforming ARM Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 6.44% → 6.85% ▲ 0.41 pts · high 6.87% / low 6.44% Oct 12, 20266.85%▼ from 6.87% Oct 8, 20266.87%▲ from 6.77% Oct 4, 20266.77%▼ from 6.81% Oct 2, 20266.81%▲ from 6.63% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Jumbo 15 Year Fixed	6.875%	0.250%	6.915%	15 years
No additional details. Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 6.63% → 6.92% ▲ 0.29 pts · high 6.96% / low 6.63% Oct 12, 20266.92%▼ from 6.96% Oct 8, 20266.96%▲ from 6.75% Oct 4, 20266.75%▼ from 6.90% Oct 2, 20266.90%▲ from 6.75% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Conforming 15/15 ARM	6.75%	0.125%	6.925%
Details Conforming ARM Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 6.54% → 6.93% ▲ 0.38 pts · high 7.03% / low 6.54% Oct 12, 20266.93%▼ from 7.03% Oct 8, 20267.03%▲ from 6.79% Oct 4, 20266.79%▼ from 6.84% Oct 2, 20266.84%▲ from 6.67% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Jumbo 5/5 ARM	6.875%	0.125%	6.962%
No additional details. Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 6.63% → 6.96% ▲ 0.34 pts · high 6.99% / low 6.63% Oct 12, 20266.96%▼ from 6.99% Oct 8, 20266.99%▲ from 6.83% Oct 4, 20266.83%▼ from 6.85% Oct 2, 20266.85%▲ from 6.77% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Jumbo 15 Year Fixed	7.00%	0.000%	7.00%	15 years
No additional details. Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.63% → 7.00% ▲ 0.38 pts · high 7.00% / low 6.63% Oct 8, 20267.00%▲ from 6.75% Oct 4, 20266.75%▼ from 6.90% Oct 2, 20266.90%▲ from 6.75% Sep 25, 20266.75%▲ from 6.63% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Jumbo 5/5 ARM	7.00%	0.000%	7.00%
No additional details. Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.63% → 7.00% ▲ 0.38 pts · high 7.00% / low 6.63% Oct 8, 20267.00%▲ from 6.83% Oct 4, 20266.83%▼ from 6.85% Oct 2, 20266.85%▲ from 6.77% Sep 25, 20266.77%▲ from 6.63% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Conforming 15/15 ARM	6.875%	0.000%	7.016%
Details Conforming ARM Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 6.54% → 7.02% ▲ 0.47 pts · high 7.03% / low 6.54% Oct 12, 20267.02%▼ from 7.03% Oct 8, 20267.03%▲ from 6.79% Oct 4, 20266.79%▼ from 6.84% Oct 2, 20266.84%▲ from 6.67% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Conforming 30 Year Fixed	7.125%	0.250%	7.15%	30 years
No additional details. Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.88% → 7.15% ▲ 0.28 pts · high 7.20% / low 6.88% Oct 12, 20267.15%▼ from 7.20% Oct 8, 20267.20%▲ from 7.13% Oct 4, 20267.13%▼ from 7.19% Oct 2, 20267.19%▲ from 6.88% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Conforming 30 Year Fixed	7.25%	0.000%	7.25%	30 years
No additional details. Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 6.88% → 7.25% ▲ 0.38 pts · high 7.25% / low 6.88% Oct 8, 20267.25%▲ from 7.13% Oct 4, 20267.13%▼ from 7.19% Oct 2, 20267.19%▲ from 6.88% Sep 16, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Super Conforming 30 Year Fixed	7.375%	0.500%	7.426%	30 years
No additional details. Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 7.00% → 7.43% ▲ 0.43 pts · high 7.54% / low 7.00% Oct 12, 20267.43%▼ from 7.53% Oct 8, 20267.53%▲ from 7.50% Oct 4, 20267.50%▼ from 7.54% Oct 2, 20267.54%▲ from 7.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Super Conforming 30 Year Fixed	7.50%	0.000%	7.50%	30 years
No additional details. Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.54% / low 7.00% Oct 12, 20267.50%▼ from 7.53% Oct 8, 20267.53%▲ from 7.50% Oct 4, 20267.50%▼ from 7.54% Oct 2, 20267.54%▲ from 7.00% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Jumbo 30 Year Fixed	7.50%	0.250%	7.526%	30 years
No additional details. Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 7.88% → 7.53% ▼ 0.35 pts · high 8.05% / low 7.53% Oct 12, 20267.53%▼ from 8.05% Oct 8, 20268.05%▲ from 7.63% Oct 4, 20267.63%▼ from 8.03% Oct 2, 20268.03%▲ from 8.01% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Jumbo 30 Year Fixed	7.625%	0.000%	7.625%	30 years
No additional details. Last Updated 10/12/2026 Rate History 5 changes since Sep 16, 2026 · 7.88% → 7.63% ▼ 0.25 pts · high 8.05% / low 7.63% Oct 12, 20267.63%▼ from 8.05% Oct 8, 20268.05%▲ from 7.63% Oct 4, 20267.63%▼ from 8.03% Oct 2, 20268.03%▲ from 8.01% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

State Department Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Single Advance - First Lien	-	-	5.74%	5 Year
Details As Low As; Property with no existing liens; Owner Occupied Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24% Oct 2, 20265.74%▲ from 5.24% Sep 16, 20265.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance - First Lien	-	-	5.99%	7 Year
Details As Low As; Property with no existing liens; Owner Occupied Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 2, 20265.99%▲ from 5.49% Sep 16, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance - First Lien	-	-	6.34%	10 Year
Details As Low As; Property with no existing liens; Owner Occupied Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.84% → 6.34% ▲ 0.50 pts · high 6.34% / low 5.84% Oct 2, 20266.34%▲ from 5.84% Sep 16, 20265.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance - Second Lien	-	-	6.49%	5 Year
Details As Low As; Property with an existing mortgage or liens; Owner Occupied Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.99% → 6.49% ▲ 0.50 pts · high 6.49% / low 5.99% Oct 2, 20266.49%▲ from 5.99% Sep 16, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Line-of-Credit (HELOC)	-	-	6.50%
Details As Low As; Owner Occupied up to 80% LTV; minimum loan amount $10,000, maximum loan amount $350,000; minimum monthly payment 1.0% of principal balance or $100.00 whichever is greater Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 2, 20266.50%▲ from 6.25% Sep 16, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance - First Lien	-	-	6.64%	15 Year
Details As Low As; Property with no existing liens; Owner Occupied Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.14% → 6.64% ▲ 0.50 pts · high 6.64% / low 6.14% Oct 2, 20266.64%▲ from 6.14% Sep 16, 20266.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance - Second Lien	-	-	6.74%	7 Year
Details As Low As; Property with an existing mortgage or liens; Owner Occupied Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.24% → 6.74% ▲ 0.50 pts · high 6.74% / low 6.24% Oct 2, 20266.74%▲ from 6.24% Sep 16, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance - First Lien	-	-	6.84%	20 Year
Details As Low As; Property with no existing liens; Owner Occupied Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.34% → 6.84% ▲ 0.50 pts · high 6.84% / low 6.34% Oct 2, 20266.84%▲ from 6.34% Sep 16, 20266.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance - Second Lien	-	-	7.24%	10 Year
Details As Low As; Property with an existing mortgage or liens; Owner Occupied Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.74% → 7.24% ▲ 0.50 pts · high 7.24% / low 6.74% Oct 2, 20267.24%▲ from 6.74% Sep 16, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance - Second Lien	-	-	7.49%	15 Year
Details As Low As; Property with an existing mortgage or liens; Owner Occupied Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 2, 20267.49%▲ from 6.99% Sep 16, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance - Second Lien	-	-	7.74%	20 Year
Details As Low As; Property with an existing mortgage or liens; Owner Occupied Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.24% → 7.74% ▲ 0.50 pts · high 7.74% / low 7.24% Oct 2, 20267.74%▲ from 7.24% Sep 16, 20267.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance (Investment Property)	-	-	8.00%	5 Year
Details As Low As; Investment Property Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance (Investment Property)	-	-	8.25%	7 Year
Details As Low As; Investment Property Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance (Investment Property)	-	-	8.50%	10 Year
Details As Low As; Investment Property Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Home Equity Single Advance (Investment Property)	-	-	8.75%	15 Year
Details As Low As; Investment Property Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

State Department Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	3.99%	Up to 36 months
Details As Low As; APR includes 0.25% automatic payment and direct deposit discount Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
New Auto	-	-	4.24%	37 to 48 months
Details As Low As; APR includes 0.25% automatic payment and direct deposit discount Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
New Auto	-	-	4.49%	49 to 60 months
Details As Low As; APR includes 0.25% automatic payment and direct deposit discount Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Used Auto (2024 & Older)	-	-	4.49%	Up to 36 months
Details As Low As; APR includes 0.25% automatic payment and direct deposit discount Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Used Auto (2024 & Older)	-	-	4.74%	37 to 48 months
Details As Low As; APR includes 0.25% automatic payment and direct deposit discount Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
New Auto	-	-	4.99%	61 to 72 months
Details As Low As; APR includes 0.25% automatic payment and direct deposit discount Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Used Auto (2024 & Older)	-	-	4.99%	49 to 60 months
Details As Low As; APR includes 0.25% automatic payment and direct deposit discount Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Used Auto (2024 & Older)	-	-	5.24%	61 to 72 months
Details As Low As; APR includes 0.25% automatic payment and direct deposit discount Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
New Auto	-	-	5.74%	73 to 84 months
Details As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Used Auto (2024 & Older)	-	-	5.74%	73 to 84 months
Details As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

State Department Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Rewards Credit Card	-	10.74%
Details As Low As; APR based on evaluation of applicant's credit Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 10.49% → 10.74% ▲ 0.25 pts · high 10.74% / low 10.49% Oct 4, 202610.74%▲ from 10.49% Sep 16, 202610.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Premium Cash Back+ Credit Card	-	12.99%
Details As Low As; APR based on evaluation of applicant's credit Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 12.74% → 12.99% ▲ 0.25 pts · high 12.99% / low 12.74% Oct 4, 202612.99%▲ from 12.74% Sep 16, 202612.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

State Department Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans - Up to 24 Months	8.49%	Up to 24 Months
Details As Low As; APR includes a .25% automatic payment and direct deposit rate discount. Minimum $200 monthly direct deposit required. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Personal Loans - 25 to 60 Months	9.49%	25 to 60 Months
Details As Low As; APR includes a .25% automatic payment and direct deposit rate discount. Minimum $200 monthly direct deposit required. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

State Department Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Conforming 10 YR Fixed	6.625%	0.250%	6.681%	10 years
Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.50% → 6.68% ▲ 0.18 pts · high 6.78% / low 6.50% Oct 12, 20266.68%▼ from 6.78% Oct 8, 20266.78%▲ from 6.63% Oct 4, 20266.63%▼ from 6.68% Oct 2, 20266.68%▲ from 6.50% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Conforming 10 YR Fixed	6.75%	0.000%	6.75%	10 years
Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.78% / low 6.50% Oct 12, 20266.75%▼ from 6.78% Oct 8, 20266.78%▲ from 6.63% Oct 4, 20266.63%▼ from 6.68% Oct 2, 20266.68%▲ from 6.50% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Conforming 20 YR Fixed	6.875%	0.250%	6.907%	20 years
Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.63% → 6.91% ▲ 0.28 pts · high 7.16% / low 6.63% Oct 12, 20266.91%▼ from 7.03% Oct 8, 20267.03%▼ from 7.05% Oct 4, 20267.05%▼ from 7.16% Oct 2, 20267.16%▲ from 6.63% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Conforming 20 YR Fixed	7.00%	0.000%	7.00%	20 years
Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.63% → 7.00% ▲ 0.38 pts · high 7.16% / low 6.63% Oct 12, 20267.00%▼ from 7.03% Oct 8, 20267.03%▼ from 7.05% Oct 4, 20267.05%▼ from 7.16% Oct 2, 20267.16%▲ from 6.63% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
Moneyline Line-of-Credit Loan	-	-	11.75%
Details As Low As; APR includes a .25% automatic payment and direct deposit rate discount. Minimum $200 monthly direct deposit required. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%
IRA Share	-	-	0.50%
Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

State Department Federal Credit Union’s Texas Ratio rose from 3.33% in Q3 2023 to 4.05% in Q2 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.9B	4.05%	5.0	A+
March 31, 2026	$2.9B	4.16%	5.0	A+
December 31, 2025	$2.9B	4.66%	5.0	A+
September 30, 2025	$2.9B	4.30%	5.0	A+
June 30, 2025	$2.9B	4.79%	5.0	A+
March 31, 2025	$3.0B	4.66%	5.0	A+
December 31, 2024	$2.9B	5.29%	5.0	A+
September 30, 2024	$2.9B	4.60%	5.0	A+
June 30, 2024	$2.8B	4.20%	5.0	A+
March 31, 2024	$2.8B	4.21%	5.0	A+
December 31, 2023	$2.8B	4.07%	5.0	A+
September 30, 2023	$2.7B	3.33%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 237

Part-Time Employees 0

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.05%

Return on Assets (ROA)

0.2461%

Return on Equity (ROE)

2.2832%

Non-Performing Loans Ratio (NPL)

0.86%

Total Assets

2,939,428,435

Total Amount of Shares and Deposits

2,415,622,719

Total Shares and Deposits < 1 Year

2,231,549,088

Total Shares and Deposits 1 3 Years

132,533,186

Total Shares and Deposits > 3 Years

51,540,445

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

536,291,434

Total Uninsured Shares and Deposits > $250K (F+J)

536,291,434

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,879,331,285

Total Interest Expense (Sum of items 6 8)

27,099,005

Share Certificates

15,147

Number of Accounts for Share Drafts

55,320

IRA KEOGH Accounts

5,975

Number of Accounts for Regular Shares

95,934

All other shares

3,043

Money Market Shares

15,034

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)

102,432,953

Total Liabilities

2,693,047,533

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

State Department Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/state-department-federal-credit-union-rates-review-435">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for State Department Federal Credit Union 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

Add Your Rating and Review for State Department Federal Credit Union

Frequently Asked Questions About State Department Federal Credit Union

How 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.