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Advertiser Disclosure
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 Department of Commerce FCU 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 14, 2026
Department of Commerce FCU's top rates as of October 14, 2026 are 2.08% APY on its 48 - 59 Month Share & IRA CDs, 2.00% APY on savings, 1.97% APY on money market accounts, 5.00% APY on checking, personal loans from 9.99% APR, and credit cards from 17.99% APR, according to rates verified by MonitorBankRates. Other Department of Commerce FCU CD rates include 36 - 47 Month Share & IRA CDs at 2.07%, 12 - 23 Month Share & IRA CDs at 2.02%, and 24 - 35 Month Share & IRA CDs at 2.02%. MonitorBankRates evaluates the financial stability of Department of Commerce FCU with a 2.9 Star Rating, an D Overall Health Grade, and a Texas Ratio of 20.98%. Rates last updated and verified on 10/14/2026. 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  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. 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 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 13.24% in Q3 2023 to 20.98% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 2.9 and its Health Grade from A to D. 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 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
1
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
2.9 / 5.0 ★
Overall Health & Safety Grade
D (69/100)
Texas Ratio
20.98%
Return on Assets (ROA)
0.0435%
Return on Equity (ROE)
0.8030%
Non-Performing Loans Ratio (NPL)
1.75%
Total Assets
739,109,064
Total Amount of Shares and Deposits
670,045,896
Total Shares and Deposits < 1 Year
370,888,671
Total Shares and Deposits 1 3 Years
72,464,749
Total Shares and Deposits > 3 Years
226,692,476
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
65,508,506
Total Uninsured Shares and Deposits > $250K (F+J)
65,508,506
Total Insured Shares and Deposits > $250K (item 17 less item K)
604,537,390
Total Interest Expense (Sum of items 6 8)
8,844,901
Share Certificates
5,908
Number of Accounts for Share Drafts
11,336
IRA KEOGH Accounts
962
Number of Accounts for Regular Shares
32,770
Non Member Deposits
1
Money Market Shares
1,757
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)
15,363,311
Total Liabilities
710,921,682
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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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. Current Department of Commerce FCU Rates
Retrieved from our database of financial products. Rates subject to change.
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