Loans, Personal Lines Of Credit and Charge Cards

From buying very first house to refinancing an existing mortgage; or benefiting from our Car Buying solution for you to get credit cards with competitive prices and zero fees, we’ve got the loans and personal lines of credit you’ll need.


Home Mortgages

Go with a loan provider you are able to trust. At DOCFCU, our experienced lenders are going to be with you each step for the means, assisting you to pick the mortgage choice that fits your requirements and budget.

  • Fixed and rate that is adjustable available
  • Loan amounts from $75,000 – to $1,500,000
  • Readily available for main residences or 2nd domiciles (no investment properties)
  • Loans as much as 97% loan-to-value*
  • First and 2nd home loan combination loans as much as 90per cent loan-to-value
  • Handle your loan on line, including payments that are making
  • Designed for houses in most 50 states
  • Obtain a personalized, no responsibility price estimate
  • Get pre-qualified for the next mortgage
  • Explore the resource available to help you create choices that are smart

Convenient On The Web Mortgage Access

You will see your mortgage statement, review your re re payment history, look at your escrow balances, and even make an immediate online repayment from your bank account.

Have Mortgage Concerns?

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

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

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

For concerns with regards to 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 may be a smart solution to fund a number of requirements, including a property renovation or repairs, training costs, the journey of an eternity, and even merely to combine financial obligation. Our experienced loan providers are prepared to assistance with tailored credit line simply for you.

A property equity loan, or “second trust loan“, is yet another choice that substitutes a set rate for the adjustable price of a property equity credit line.

*No closing costs on an advance that is initial of10,000 or even more. Borrow as much as 90% of one’s home’s value (minus your mortgage that is first balance as much as $250,000 should be qualified for DOCFCU account. Other restrictions may use, call us for details. NMLS #810389

Residence Equity Credit Line

  • A reduced interest that is variable of Prime+0*
  • No closing expenses for an initial advance of $10,000 or higher
  • Tax-deductible interest re payments (consult with your taxation 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

Residence Equity Loan (2nd Trust)

  • A decreased rate that is fixed
  • Tax-deductible interest re re re payments (check with your income tax consultant for details)
  • The capacity to borrow up to 90per cent of the home’s value (minus your mortgage that is first balance as much as $100,000


Have actually questions? We’re right right here to simply help. Please phone 202.808.3600 to talk to certainly one of our loan experts today.


Automotive Loans

A car loan from DOCFCU will allow you to drive a bargain that is hard. Whether you’re thinking about purchasing a unique or utilized vehicle, or refinance your existing auto loan to save cash, our low prices and value-added solutions could make a huge difference.

  • As much as 105% on brand new and used financing
  • Quick approvals (in 24 hours or less or less)
  • Price matching open to qualified people
  • Union benefits discounts (is not along with match price)
  • Free Autocheck for utilized cars with application for the loan

DOCFCU Vehicle Buying Service, Running On TrueCar в„ў

We’re going to additionally provide offer an associate .25% from the price with the certificate of purchase if they use True Car and provide us.


Automobile Loan Calculators

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

Extra Solutions

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

Extra Solutions

GAP Insurance to safeguard Your Loan

Fully guaranteed resource Protection (GAP) insurance coverage assists ease your monetary burden if you are paying the possibly high-cost distinction between your insurance coverage settlement along with your loan stability on products straight pertaining to the purchase of one’s car.

A loan officer at 202.808.3600 for more information, be sure to contact .


  • 90-day look that is free you’ll cancel your security within ninety days of one’s enrollment date and get the full reimbursement with no termination charge.
  • Skipped payments – security includes skip-a-payment or delinquent-payment features when it comes to lifetime associated with monetary contract.
  • Available on loans – safeguards brand new and utilized vehicles.
  • Main automobile insurance deductible – pays as much as $1,000 of one’s automobile tax deductible.*

Extensive Car Provider

Safeguard your self from unanticipated, high-cost repairs, not forgetting, boost the resale value, if you opt to offer your car or truck.

Many major vehicle repairs happen following the factory warranty duration ends. Without an automobile Service Agreement (VSA) — you may possibly crank up spending money on unforeseen and repairs that are expensive As being a outcome, extended protection for auto repairs is becoming a requisite. 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 new or qualified pre-owned vehicle.

Consult with your loan officer regarding your choices and understand how you might cut back to 50per cent off dealer prices. You may qualify for coverage even though you don’t have a car loan with Department of Commerce Federal Credit Union.

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