State Department Federal Credit Union

State Department Credit Union proudly serves members across Virginia with a comprehensive suite of financial services designed to meet your everyday needs and long-term goals. With a strong statewide presence, membership offers access to convenient ATM and cash withdrawal services, including basic ATM functions like balance checks, ensuring you can manage your money effortlessly wherever you are in VA.
Whether you're looking for competitive auto loans and vehicle financing or exploring mortgage loans and refinancing options, State Department provides tailored solutions to help you drive your financial future forward and make homeownership more attainable. Personal banking options include flexible checking and savings accounts alongside credit cards that reward your spending. For those seeking to simplify finances, personal loans and debt consolidation programs offer valuable support.
Business owners benefit from specialized merchant services and business loans designed to fuel growth within Virginia’s diverse economy. Plus, secure online and mobile banking platforms empower members with 24/7 account access for seamless financial management.
Committed to supporting local communities, State Department also engages in initiatives that promote financial literacy and economic well-being across the Commonwealth. Experience the value of membership with a credit union dedicated to helping Virginians thrive financially—right here in your state.

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 clear: to empower our members through community-focused, member-first service across the vibrant state of . Under the leadership of CEO James Hayes and Board President Marlene Schwartz, we strive to foster a financial institution that prioritizes the needs and aspirations of our members above all else. We understand that in today’s fast-paced world, convenience is key, which is why we offer a suite of modern services designed to make banking easier for you. From electronic signature authorization (Yes) and e-statements (Yes) to mobile payments (Yes) and a dedicated mobile app (Yes), we are committed to providing seamless access to your finances. With online banking (Yes) and person-to-person payment support (Yes), managing your money has never been more convenient. For more information or assistance, feel free to visit us at http://www.sdfcu.org or reach out via fax at . Join us on this journey as we work together to build a stronger financial future for our community!

Services & Financial Solutions

At state-department, we understand that managing finances can be a challenge, whether you're navigating everyday expenses or planning for significant life events. That’s why we offer a comprehensive suite of financial services designed to meet your needs right here in VA. Our personal banking options include checking and savings accounts that help you manage your day-to-day finances with ease. Whether you're saving for a vacation, a new car, or just want to keep your funds organized, our accounts provide the flexibility and accessibility you need. Plus, with features like e-statements and online banking, keeping track of your finances has never been simpler.
For those looking to make larger investments or tackle debt, we provide a variety of loan and credit options tailored to suit different situations. From auto loans and mortgage refinancing to personal loans for debt consolidation, our goal is to empower you to achieve your financial goals without unnecessary stress. Business members can also take advantage of our business banking services, which include merchant services and business loans designed to help you thrive in today’s competitive market. With our user-friendly mobile application and mobile payments feature, you can manage all aspects of your finances on the go—making it easy to pay bills, transfer money through person-to-person payments, or sign documents electronically when needed.
In this fast-paced world, convenience is key. That's why we've integrated digital tools into all our services. With our online banking platform and mobile app, managing your accounts from anywhere in VA is seamless and secure. Whether you're checking your balance at home or making a payment while out shopping, we're here to support you every step of the way. At state-department, we’re committed to providing financial solutions that not only meet your immediate needs but also help you plan for a bright future.

Why Choose Us

At state-department in , becoming a member is as easy as a few simple steps. We invite you to explore our membership eligibility at and discover how you can benefit from our community-focused financial services. Our values are at the heart of everything we do—trust, community engagement, personalized service, and financial reliability guide us in serving you better. We understand that your financial journey is unique, which is why we offer tailored solutions to meet your needs. Whether you're looking to open a checking account, secure an auto loan, or access our user-friendly mobile application for banking on-the-go, we’re here to support you every step of the way. 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 our community today and experience the difference with 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

  • ATM Services Only

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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