State Department Federal Credit Union

State_Department’s presence across the District of Columbia delivers comprehensive financial solutions designed to empower members throughout the area. With a strong commitment to community well-being, State_Department offers a full range of services including ATM and cash withdrawal access, auto loans and vehicle financing tailored to your budget, and basic ATM functions like balance checks for everyday convenience. Whether you’re managing personal banking needs through checking and savings accounts or seeking credit cards with rewarding benefits, membership provides valuable advantages.
Business owners in DC benefit from specialized merchant services and business loans crafted to support growth and operational success. For homeowners or aspiring buyers, mortgage loans and refinancing options offer competitive rates to make homeownership more accessible. Personal loans and debt consolidation solutions help simplify finances, while secure online and mobile banking platforms ensure easy access anytime, anywhere.
Beyond financial products, State_Department actively engages in community programs that strengthen local neighborhoods and promote financial literacy. Becoming a member means joining a trusted network dedicated to your financial future with services tailored specifically for the unique needs of DC residents. Experience banking designed around you—right here in the District.

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
Owner Occupied
Home Equity ( 125% LTV Owner Occupied)
8.65 %
5 Yrs - 10 Yrs
$100,000
125 %
Owner Occupied
Home Equity Single Advance
6.99 % - 7.74 %
5 Yrs - 20 Yrs
$500,000
90 %
heloc
Home Equity Line-of-Credit (HELOC)
7 % - 9 %
$350,000
80 %
Investment Property
Home Equity Single Advance
8 % - 10 %
5 Yrs - 15 Yrs
$50,000
70 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
Conforming 10 YR Fixed
5.25 - 5.375 %
5.305 - 5.402 %
0.25
10.0 Yrs
CONVENTIONAL
FIXED
Conforming 15 Year Fixed
5.75 - 5.875 %
5.808 - 5.894 %
0.375
15.0 Yrs
CONVENTIONAL
FIXED
Conforming 20 YR Fixed
5.75 - 5.875 %
5.874 - 5.921 %
1
20.0 Yrs
CONVENTIONAL
ADJUSTABLE
Conforming 5/5 ARM
5.75 - 5.875 %
5.926 - 5.963 %
0.25
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
Conforming 7/6 ARM
5.75 - 5.875 %
6.535 - 6.563 %
0.625
10.0 Yrs
CONVENTIONAL
ADJUSTABLE
Conforming 15/15 ARM
6.0 - 6.125 %
6.195 - 6.286 %
0.25
15.0 Yrs
CONVENTIONAL
FIXED
Conforming 30 Year Fixed
6.375 - 6.5 %
6.435 - 6.512 %
0.625
30.0 Yrs
CONVENTIONAL
ADJUSTABLE
Conforming 10/6 ARM
7.5 - 7.625 %
7.433 - 7.519 %
0.125
10.0 Yrs
JUMBO
FIXED
Jumbo 15 Year Fixed
5.75 - 5.875 %
5.808 - 5.894 %
0.375
15.0 Yrs
JUMBO
ADJUSTABLE
Jumbo 5/5 ARM
6.0 - 6.125 %
6.023 - 6.061 %
0.25
5.0 Yrs
JUMBO
FIXED
Jumbo 30 Year Fixed
6.375 - 6.5 %
6.471 - 6.548 %
1
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Share secured loan
3.05 %
Moneyline line-of-credit
11.75 - 16.75 %
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
New Auto/Boat
4.89 % - 15 %
3 Yrs
Auto
New Auto/Boat
5.49 % - 15 %
5 Yrs
Auto
New Auto/Boat
5.84 % - 15 %
6 Yrs
Auto
New Auto/Boat
6.19 % - 9.89 %
7 Yrs

Introduction

At state-department, our mission is to empower our members and enhance the communities we serve across through a commitment to member-first service and community-focused initiatives. Led by our dedicated CEO, James Hayes, and Board President, Marlene Schwartz, we strive to create an inclusive environment that prioritizes your financial well-being. Our members enjoy a suite of modern conveniences designed to simplify their banking experience, including electronic signature authorization (Yes), e-statements (Yes), mobile payments (Yes), a dedicated mobile app (Yes), online banking (Yes), and person-to-person payment support (Yes). To learn more about how we can assist you on your financial journey, visit us at http://www.sdfcu.org or reach out via fax at . Join us in building a brighter future together!

Services & Financial Solutions

At State Department Credit Union, we understand that financial needs vary from one member to another, which is why we offer a comprehensive range of services designed to support your everyday banking and long-term financial goals right here in Washington, DC. Whether you are looking to manage your daily expenses with our personal banking options like checking and savings accounts, or you're ready to take a significant step like buying a home with our mortgage loans and refinancing solutions, we've got your back. Our auto loans provide an accessible way to finance your dream vehicle, while personal loans can help consolidate debt or cover unexpected expenses, giving you the flexibility to navigate life’s challenges.
In addition to our robust loan offerings, we also cater to the business community with tailored banking solutions that include merchant services and business loans. This makes it easier for local entrepreneurs to thrive and grow their ventures. We know that convenience is key in today’s fast-paced world, so we’ve invested in digital features that make managing your finances as easy as tapping a button. With our online banking platform, mobile application, and mobile payment options, you can handle transactions anytime, anywhere. Need to send money to a friend? Use our person-to-person payment feature or sign documents electronically without stepping foot in a branch. Plus, e-statements keep your finances organized and accessible at your fingertips. At State Department Credit Union, we’re committed to providing services that not only meet but exceed your expectations, empowering you to achieve financial well-being with confidence.

Why Choose Us

At state-department in , we understand that choosing a financial partner is an important decision. That's why we strive to make becoming a member as easy and straightforward as possible. With just a few simple steps, you can open an account and start enjoying the benefits of being part of our community-focused credit union. You can review your membership eligibility at: . Our core values—trust, community engagement, personalized service, and financial reliability—guide everything we do. We pride ourselves on offering tailored solutions to meet your individual needs while fostering a strong sense of belonging within our community. Whether you’re looking for personal banking options or need assistance with loans, our dedicated team is here to support you every step of the way. We invite you to compare real-time loan offers today at LendMesh and find the best rates for your needs. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Join us today, and experience the difference that comes with being part of state-department!

Branch Details

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

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