|
iAdvertiser Disclosure
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.
 Department of Commerce FCU 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.
Read Full Bio →
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 16, 2026
Department of Commerce FCU's Personal Loan Rates are as low as 9.99%. Department of Commerce FCU's Credit Card Rates are at 12.99%. MonitorBankRates evaluates the financial stability of Department of Commerce FCU with a 3.6 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 16.01%. Rates last updated and verified on 09/16/2026. 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. Department of Commerce FCU
Main Office 1401 Constitution Ave NW Rm B-0038A
https://www.docfcu.org Washington, DC 20230-0001 
Department of Commerce FCU Home Equity & HELOC
Department of Commerce FCU Auto Loan Rates
Department of Commerce FCU RV, Boat and Powersport Loan Rates
Department of Commerce FCU Credit Card Rates
Department of Commerce FCU Personal Loan Rates
Department of Commerce FCU Other Rates
Financial Health HistoryDepartment of Commerce FCU’s Texas Ratio rose from 7.35% in Q2 2023 to 16.01% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 3.6 and its Health Grade from A to C+. 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)
Powered by
MonitorBankRates
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 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
83
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
3.6 / 5.0 ★
Overall Health & Safety Grade
C+ (78/100)
Texas Ratio
16.01%
Return on Assets (ROA)
0.1264%
Return on Equity (ROE)
2.2297%
Non-Performing Loans Ratio (NPL)
1.39%
Total Assets
762,350,608
Total Amount of Shares and Deposits
691,735,066
Total Shares and Deposits < 1 Year
370,505,515
Total Shares and Deposits 1 3 Years
91,240,480
Total Shares and Deposits > 3 Years
229,989,071
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
68,996,193
Total Uninsured Shares and Deposits > $250K (F+J)
68,996,193
Total Insured Shares and Deposits > $250K (item 17 less item K)
622,738,873
Total Interest Expense (Sum of items 6 8)
4,472,708
Share Certificates
6,181
Number of Accounts for Share Drafts
11,390
IRA KEOGH Accounts
993
Number of Accounts for Regular Shares
32,905
Non Member Deposits
1
Money Market Shares
1,770
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Undercapitalized
Net Worth Classification if credit union is a new credit union
Moderately Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
23,463,088
Total Liabilities
733,523,836
Source: NCUA — Last Updated 03/31/2026
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.
Add Your Rating and Review for Department of Commerce FCU
Frequently Asked Questions About Department of Commerce FCUHow 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. Compare to Other Credit Unions
Raritan Bay Federal Credit Union
IDB Global Federal Credit Union
CoastLife Credit Union
Excite Credit Union
Steuben Citizens Federal Credit Union
Midwest Regional Credit Union
Community Service Credit Union
Walton County Teachers Federal Credit Union
HEB Federal Credit Union
Waterloo Firemens Credit Union
Belmont Municipal Federal Credit Union
Members Credit Union Winston Salem, NC
Santa Cruz Community Credit Union
Communication Federal Credit Union
Chemco Credit Union
Texas Lee Federal Credit Union
BCBST Employees Credit Union
Franklin First Federal Credit Union
Star Financial Credit Union
First Ohio Community Federal Credit Union
Memphis City Employees Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
