Credit Unions | Department of Commerce

Department of Commerce

Department of Commerce is a NCUA insured federal credit union headquartered at P.O. Box 14720, Washington, DC 20044.
It was founded in 1964 and has approximately $854 million in assets. Customers can open an account at one of its 6 branches.

Deposit Rates - April 25, 2025

CD RATES	APY	MIN
6 Mo CD	2.23%	$500	Compare
12 Mo CD	2.18%	$500	Compare
18 Mo CD	2.18%	$500	Compare
24 Mo CD	2.18%	$500	Compare
36 Mo CD	2.02%	$500	Compare
48 Mo CD	2.02%	$500	Compare
60 Mo CD	1.97%	$500	Compare

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-04-10

Intro APR: 7.400 %
After Intro:7.400 %

$15,000

Flexible terms, borrow $15K-$400K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-04-25

Intro APR: 7.400 %
After Intro:7.400 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

Spring EQ
NMLS ID: 1464945 / Updated 2025-04-25

The leader for homeowners tapping cash from their homes since 2016.

Access up to 90% of your home's equity, up to a maximum of $500,000.
FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
A fixed rate for life- no need to worry about fluctuating rates.
We make it easy - and fast - to access your cash (as little as 11 days).

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-04-18

Intro APR: 6.490 %
After Intro:7.750 %
Intro Period: 12 months

$25,000

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K[3]
On average, access funds within 35 days[5]

Achieve Loans
NMLS ID: 1810501 / Updated 2025-03-31

Intro APR: 9.000 %
After Intro:9.000 %

Competitive rates, Pre-qualify in minutes
Mortgage Advisors standing by to help find the best solution
Flexible terms with fast funding
Minimum credit score: 640

Top Flite Financial
NMLS ID: 4181 / Updated 2025-04-25
Equal Housing Lender

Tap Into the Equity of Your Home to Get The Cash You Need

1st Mortgages & Home Equity Loans (Credit Score Approvals Down to 500)
Cash Out and Debt Consolidation Experts
Self Employed Bank Statement Loan Programs
A+ BBB Rating and 4.9 Stars on Google

CrossCountry Mortgage, LLC
NMLS ID: 3029 / Updated 2025-04-25

Unlock Your Home's Potential

Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
Unlock Your Home's Value: Discover the Power of our Online HELOC!
Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
Secure Your Future: Experience the Ease of our Fixed Home Equity Loans

Unlock Technologies, Inc.
NMLS ID: Not a Lender / Updated 2025-04-25

Get cash now in exchange for a percentage of your homes future equity.

No monthly payments or interest charges
Minimum Credit score: 500
Access up to $500k
No need to refinance

Figure Home Equity Line
NMLS ID: 1717824 / Updated 2025-04-25
Equal Housing Lender

HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online.

Fastest way to turn home equity into cash
Flexible terms, redraw up to 100%, borrow $15k-$400k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project

PenFed Credit Union
NMLS ID: 401822 / Updated 2025-04-25
Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender
Loans Amounts from $25,000 - $500,000
Get a HELOC from PenFed to Put Your Home Equity to Work
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans

Point Digital Finance
NMLS ID: Not a Lender / Updated 2025-04-25

Get up to $500k with no monthly payments, ever.

No income requirements or need for perfect credit
Your home wealth, to use your way
Find out if you qualify in as little as 60 seconds
Home Equity Investments are not considered a loan in all states

Upstart
NMLS ID: 2443873 / Updated 2025-04-25

As low as 6.3% APR on your initial draw*

As low as 6.3% APR on your initial draw*
Get your money up to 6x faster than the industry standard*
Fixed rate on each draw*
No paperwork needed to apply

Quicken Loans
NMLS ID: 167283 / Updated 2025-04-25

Ready to access funds?

Ready to access funds?
Homeowners’ best kept secret for cash.
Access equity on YOUR terms.
It costs $0 to see how much you could get with a lender

AmeriSave Mortgage Corporation
NMLS ID: 1168 / Updated 2025-04-25

Home Equity Loans & Refinance – Cash out

Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business

New American Funding, LLC
NMLS ID: 6606 / Updated 2025-04-25

Cash-Out and Home Equity Options Available.

Competitive Rates for FICO Scores 580-679
366k+ positive reviews, A rating from the BBB
Pay off higher interest rate credit cards, Pay college tuition
100% online mortgage application available

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

District Lending
NMLS ID: 1835285

6.380%

$1,971 Fees & Points $4,400 Total
0.875 Pts ($2,800)
$1,600 Fees

Get an exceptional mortgage rate, be happy.

Direct Home Lending
NMLS ID: 274058
License#: 1234564

6.455%

$1,997 Fees & Points $2,698 Total
0.843 Pts ($2,698)
$0 Fees

A Better Type of Home Lending

Green Lending, LLC
NMLS ID: 2598612

6.469%

$1,997 Fees & Points $3,388 Total
0.743 Pts ($2,378)
$1,010 Fees

Personalized mortgage solutions designed for your lifestyle.
Expert advice and support every step of the way.
Simplifying the mortgage process so you can focus on living.

Infinity Mortgage Group
NMLS ID: 35972
License#: NMLS 35972

6.489%

$1,997 Fees & Points $3,894 Total
0.875 Pts ($2,800)
$1,094 Fees

Get a free pre-approval letter to buy your new home
Easy online application for your convenience
A wide variety of mortgage programs to meet your unique situation.

Sammamish Mortgage Company
NMLS ID: 118653
License#: CL-118653

6.594%

$2,023 Fees & Points $3,130 Total
0.978 Pts ($3,130)
$0 Fees

Underwritten Pre-approvals - Close in 3 week or less

Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894

6.714%

$2,049 Fees & Points $2,953 Total
0.704 Pts ($2,253)
$700 Fees

A brand you know and trust
Quick and efficient process
Mortgage products to fit your needs

Barrett Financial Group
NMLS ID: 181106
License#: 1998387

6.755%

$2,023 Fees & Points $8,623 Total
0.575 Pts ($1,840)
$6,783 Fees

Refinance Smart, Save More – Washington’s Trusted Mortgage Broker

PenFed Credit Union
NMLS ID: 401822

6.818%

$2,049 Fees & Points $6,400 Total
1.000 Pts ($3,200)
$3,200 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

West Capital Lending
NMLS ID: 1566096

6.884%

$2,076 Fees & Points $4,409 Total
0.831 Pts ($2,659)
$1,750 Fees

Let's CrunchtheNumbers and See if a Refinance Makes Sense for You

Agave Home Loans
NMLS ID: 1951574
License#: CL-1951574

7.192%

$2,156 Fees & Points $2,320 Total
0.663 Pts ($2,122)
$198 Fees

Low Rates and Great Service Earned Us 1200+ 5-Star Reviews and A+ BBB Rating
Combine high-interest debts into one loan with a lower interest rate
Get a Quick Quote

Rocket Mortgage
NMLS ID: 3030

7.451%

$2,211 Fees & Points $2,400 Total
0.750 Pts ($2,400)
$0 Fees

A+ Rating with the Better Business Bureau
Highest in Customer Satisfaction in the US
Calculate Your New Payment for Free Today

Veterans United Home Loans
NMLS ID: 1907

Fees & Points Total
Pts ($0)
$0 Fees

Use your VA Loan benefits to get cash from your home equity
Get a personalized quote fast with instant uploads and 24/7 access
Over 300,000 verified 5-star reviews

Top Flite Financial
NMLS ID: 4181

Fees & Points Total
Pts ($0)
$0 Fees

We Approve Credit Scores Down to 500
Self Employed Bank Statement Loans
Investor Loans - DSCR - Cash Out

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Overview 2025

General Credit Union Information

NCUA Insured	Yes / Federally Chartered
Charter Number	# 16410
Date Established	1964
Assets	$854.44 million
Loans	$725.04 million
Deposits	$773.92 million
Capital	$66.17 million

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Branches

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