Department of Commerce Credit Union

Washington, District of Columbia
Last verified: August 4, 2026
Work at Department of Commerce Credit Union? Claim this profile →

Verified rate book

Current Department of Commerce Credit Union rates

50 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

17 offers
Department of Commerce Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto5.240% APR5.240%—Standard
Vehicle/Truck Loanauto_any_36mo5.240% APR5.240%36 moStandard
36-Month New Auto Loanauto_new_36mo5.240% APR5.240%36 mo · newStandard
60-Month New Auto Loanauto_new_60mo5.640% APR5.640%60 mo · newStandard
60-Month Used Auto Loanauto_used_60mo5.640% APR5.640%60 mo · usedStandard
Vehicle/Truck Loanauto_any_63mo5.640% APR5.640%63 moStandard
Vehicle/Truck Loanauto_any_75mo5.940% APR5.940%75 moStandard
84-Month New Auto Loanauto_new_84mo6.040% APR6.040%84 mo · newStandard
Vehicle/Truck Loanauto_any_84mo6.040% APR6.040%84 moStandard
84-Month Used Auto Loanauto_used_84mo6.540% APR6.540%84 mo · usedStandard
96-Month New Auto Loanauto_new_96mo7.040% APR7.040%96 mo · newStandard
Vehicle/Truck Loanauto_any_96mo7.340% APR7.340%96 moStandard
Motorcycle Loanmotorcycle7.790% APR7.790%—Standard
RVs, Boats, Campers, Trailersrv_any_144mo9.290% APR9.290%144 moStandard
RVs, Boats, Campers, Trailersrv9.490% APR9.490%—Standard
Used RVs, Boats, Campers & Trailersrv_used9.490% APR9.490%usedStandard
RVs, Boats, Campers, Trailersrv_any_180mo9.790% APR9.790%180 moStandard

HELOC rates

3 offers
Department of Commerce Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable7.000% APR7.000%—Standard
2nd Trust Mortgages (Home Equity Loans)heloc_fixed7.375% APR7.375%—Standard
Second Trusts (Home Equity Loans)heloc_fixed7.500% APR7.500%—Standard

Personal loan rates

5 offers
Department of Commerce Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Personal Loanpersonal_unsecured9.990% APR9.990%—Standard
Personal Line of Creditploc_variable9.990% APR9.990%—Standard
Emergency Loanpersonal11.990% APR11.990%—Standard
Line-of-Credit (LOC - includes overdrafts)personal14.990% APR14.990%—Standard
Payday Alternative Loan (PAL)personal28.000% APR28.000%—Standard

Credit card rates

4 offers
Department of Commerce Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card12.990% APR12.990%—Standard
Platinum Credit Cardcredit_card_platinum12.990% APR12.990%—Standard
VISA Credit Card - Goldcredit_card15.990% APR15.990%—Standard
VISA Credit Card - Classiccredit_card17.990% APR17.990%—Standard

Savings & CD rates

14 offers
Department of Commerce Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Entire balance if qualifications are not metsavings0.05% APY0.05%—Standard
Savingsshare_savings0.05% APY0.05%—Standard
Advantage Rewards Checking (Non-Qualifying)savings0.05% APY0.05%—Standard
Advantage Savings for Rewards or Cash Backsavings0.25% APY0.25%—Standard
IRA Certificateira_cd1.71% APY1.70%—Standard
IRA Money Market Accountira1.87% APY1.85%—Standard
Money Marketmoney_market1.87% APY1.85%—Standard
Certificateshare_certificate1.96% APY1.96%—Standard
Advantage Savings (Qualifying Balances above $100,000)savings2.00% APY0.25%—Standard
Advantage Savings (Qualifying Balances up to $100,000)savings2.00% APY1.98%—Standard
Checkingsavings4.89% APY4.89%—Standard
Advantage Rewards Checking (Qualifying Balances above $25,000)savings5.00% APY0.25%—Standard
Advantage Rewards Checking (Qualifying Balances up to $25,000)savings5.00% APY4.89%—Standard
60-Month Certificatecd_60mo5.64% APY5.64%60 moStandard

Other rates

7 offers
Department of Commerce Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
For balances greater than $25,000.01other0.250% %0.250%—Standard
For balances from $20,000 to $49,999other1.900% %1.900%—Standard
For balances greater than $50,000other1.950% %1.950%—Standard
72 Months ($15,000 min.)other6.040% %6.040%—Standard
84 Months ($30,000 min.)other7.040% %7.040%—Standard
96 Months ($40,000 min.)other9.040% %9.040%—Standard
72 Months ($20,000 min.)other9.500% %9.500%—Standard

Vehicle loans available from 5.24% APR. HELOC rates from 7% APR. Personal loan rates from 9.99% APR. Credit card rates from 12.99% APR. Savings and certificate yields up to 5.64% APY.

Source: RateAPI.dev, verified from Department of Commerce Credit Union's official website

Loading branch locator…

About Department of Commerce Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
29K
Assets
$762.4M
Founded
1964
Locations reported
2
NCUA charter
16410
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • Bilingual services
  • Payday Alternative Loans I

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Treasury DepartmentTreasury Annex · Washington · DC · 20220About 0.2 miles awayDepartment of the InteriorDC Branch · Washington · DC · 20240About 0.4 miles awayBank Fund StaffBank Fund Staff FCU · WASHINGTON · DC · 20006About 0.4 miles awayO.a.s. StaffOAS Staff FCU · Washington · DC · 20006About 0.4 miles awayInfirstOPM · Washington · DC · 20415About 0.5 miles awayAdvantage Financial1319 F ST NW · WASHINGTON · DC · 20004-1146About 0.5 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Department of Commerce Credit Union

Membership eligibility from Department of Commerce Credit Union's own published criteria. How we verify this.

Membership via employers (US Department of Commerce +4 more)

  • EmployerUS Department of Commerce, NOAA or Affiliates, US Department of Commerce Contractor, White House Management & Administration Office, Executive Office of the President

Verified from Department of Commerce Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Department of Commerce Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Department of Commerce Credit Union ranks against District of Columbia peers.

Claim this profileHow scorecards work

Frequently Asked Questions

What rates does Department of Commerce Credit Union offer?

Department of Commerce Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Department of Commerce Credit Union rates updated?

RateAPI verifies Department of Commerce Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Department of Commerce Credit Union's rate data?

Rate data is collected directly from Department of Commerce Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Department of Commerce Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, Department of Commerce Credit Union offers vehicle loans from 5.24% APR.

What is Department of Commerce Credit Union's HELOC rate?

As of August 4, 2026, Department of Commerce Credit Union offers home equity lines of credit from 7% APR.

What is Department of Commerce Credit Union's personal loan rate?

As of August 4, 2026, Department of Commerce Credit Union offers personal loans from 9.99% APR.

What is Department of Commerce Credit Union's best CD rate?

As of August 4, 2026, Department of Commerce Credit Union offers savings and certificate (CD) yields up to 5.64% APY.

Related Rate Data

Compare Department of Commerce Credit Union's rates against national credit-union benchmarks.

More District of Columbia credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Department of Commerce Credit Union rates

Get a free API key to query these rates programmatically, or get the daily email when District of Columbia credit union rates move.

Daily rate email

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Department of Commerce Credit Union
curl "https://api.rateapi.dev/credit-unions/district-of-columbia/department-of-commerce" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude