Loans, Personal Lines Of Credit and Charge Cards

From buying very first house to refinancing a mortgage that is existing or benefiting from our Car Buying solution for you to get a charge card with competitive rates and zero charges, we’ve got the loans and credit lines you want.


Home Mortgages

Pick a lender you’ll trust. At DOCFCU, our experienced lenders will likely be you to choose the mortgage option that fits your needs and budget with you every step of the way, helping.

  • Fixed and adjustable rate choices available
  • Loan amounts from $75,000 – to $1,500,000
  • Readily available for main residences or homes that are secondno investment properties)
  • Loans around 97% loan-to-value*
  • First and 2nd home loan combination loans as much as 90per cent loan-to-value
  • Handle your loan on the web, including payments that are making
  • Readily available for domiciles in every 50 states
  • Obtain a personalized, no obligation price estimate
  • Get pre-qualified for the next home loan
  • Explore the resource offered to help you create smartly chosen options

Convenient On The Web Mortgage Access

You will see your home loan declaration, review your payment history, look at your escrow balances, and even make a primary online repayment from your bank account.

Have Mortgage Concerns?

For concerns regarding our application procedure, to have pre-approved or even to ask questions that are general getting a DOCFCU mortgage, please contact our professionals straight:

  • Mike B. (202) 808-3628
  • Celia M. (804) 368-6036
  • Ron V. (804) 588-4787
  • or e-mail us at

For questions relating to your DOCFCU home loan application, please contact us at (804) 588-4788 or e-mail us at

For concerns about your DOCFCU home loan, please contact our home loan servicer at (877) 636-9790


Residence Equity Loan and personal credit line – Zero Closing expenses*

A property equity personal credit line from DOCFCU could be a smart solution to fund a number of requirements, including a house renovation or repairs, training costs, the journey of a very long time, and sometimes even just to combine financial obligation. Our lenders that are experienced prepared to assistance with tailored credit line only for you.

A property equity loan, or “second trust loan“, is another choice that substitutes a hard and fast price when it comes to variable price of a house equity credit line.

*No closing costs on an initial advance of $10,000 or higher. Borrow as much as 90% of one’s home’s value (minus your mortgage that is first balance as much as $250,000 needs to be qualified for DOCFCU account. Other limitations may use, e mail us for details. NMLS #810389

Home Equity Personal Credit Line

  • The lowest adjustable interest price of Prime+0*
  • No closing costs for an advance that is initial of10,000 or higher
  • Tax-deductible interest re re payments (speak to your income tax consultant for details)
  • The capacity to borrow as much as 90per cent of the home’s value (minus your mortgage that is first balance as much as $250,000

Home Equity Loan (2nd Trust)

  • A decreased rate that is fixed
  • Tax-deductible interest payments (check with your taxation consultant for details)
  • The capability to borrow up to 90per cent of one’s home’s value (minus your very first home loan balance) up to $100,000


Have actually questions? We’re right right here to greatly help. Today please call 202.808.3600 to speak with one of our loan specialists.


Automotive Loans

A car loan from DOCFCU will allow you to drive a difficult discount. Whether you might be buying a brand new or utilized vehicle, or refinance your existing automobile loan to save lots of cash, our low prices and value-added solutions make a huge difference.

  • As much as 105% on brand new and used financing
  • Fast approvals ( Within a day or less)
  • Price matching open to qualified people
  • Union benefits discounts (can not be along with match price)
  • Free Autocheck for utilized cars with application for the loan

DOCFCU Vehicle Buying Service, Running On TrueCar â„¢

We shall additionally provide provide a part .25% from the price with the certificate of purchase if they use True Car and provide us.

Auto Loan Calculators

Make use of our calculators that will help you calculate your monthly premiums.

Extra Solutions

There’s more to a good deal than the usual price that is good. That’s why a variety is offered by us of extra programs and tools that will help you both purchase sensibly and protect your investment.

Extra Services

GAP Insurance to guard Your Loan

Guaranteed in full resource Protection (GAP) insurance assists relieve your monetary burden if you are paying the possibly high-cost distinction between your insurance coverage settlement along with your loan stability on items straight associated with the purchase of one’s automobile.

A loan officer at 202.808.3600 to find out more, be sure to contact .

  • 90-day free look – you’ll cancel your security within 3 months of the enrollment date and get a complete reimbursement with no termination cost.
  • Skipped payments – security includes skip-a-payment or delinquent-payment features when it comes to lifetime of this economic contract.
  • Available on loans – safeguards brand new and utilized vehicles.
  • Main car insurance that is deductible up to $1,000 of one’s automobile tax deductible.*
Extensive Car Provider

Safeguard your self from unforeseen, high-cost repairs, and undoubtedly, boost the resale value, if you decide to offer your automobile.

Many major automobile repairs happen following the factory guarantee period finishes. Without a Vehicle Service Agreement (VSA) — you’ll end up investing in unanticipated and costly repairs. As a total result, extended protection for automobile repairs happens to be absolutely essential. Department of Commerce Federal Credit Union has teamed up with Intercontinental Warranty Services to offer you an even more affordable way of protection for the brand brand brand new or qualified pre-owned automobile.

Consult your loan officer regarding the choices and learn how you might conserve to 50% off dealer prices. You may qualify for protection even although you don’t actually have a car loan with Department of Commerce Federal Credit Union.