--- title: "DC Credit Union: #1 Mortgage in District of Columbia" description: "DC Credit Union has the lowest tracked 30-year fixed mortgage rate in District of Columbia (6.54% APR) among 6 credit unions we verify. DC Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join DC Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/district-of-columbia/dc" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # DC Credit Union: #1 Mortgage in District of Columbia ### Mortgage rates 9 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **30 Year Fixed - Home Ready** 30 year fixed | 7.040% APR | 6.875% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.387% APR | 6.125% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.586% APR | 6.375% | — | Standard | | **7/1 ARM** 7 1 arm | 6.828% APR | 6.250% | — | Standard | | **5/5 ARM** 5 5 arm | 6.932% APR | 6.250% | — | Standard | DC Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, DC Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/district-of-columbia/dc) , verified from [DC Credit Union's official website](https://www.dccreditunion.coop/) Best product position **#1 of 6** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **46 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked District of Columbia markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | #1 of 6 · lowest in District of Columbia | State market leader | 46 bp better than median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim DC Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=dc&state=district-of-columbia&code=DC&name=DC%20Credit%20Union) Loading branch locator… ## About DC Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 9.9K Assets $90.5M Founded 1954 Locations reported 3 NCUA charter 16411 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - Bilingual services - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Transportation** DOT Branch · Washington · DC · 20590-0001 About 0.8 miles away](https://rateapi.dev/credit-unions/virginia/transportation) [**Library of Congress** DC · Washington · DC · 20540-0002 About 0.9 miles away](https://rateapi.dev/credit-unions/district-of-columbia/library-of-congress) [**Dept of Labor** FPB Office · Washington · DC · 20210 About 1.0 miles away](https://rateapi.dev/credit-unions/district-of-columbia/dept-of-labor) [**Wright Patman Congressional** Capitol Branch · Washington · DC · 20515 About 1.0 miles away](https://rateapi.dev/credit-unions/district-of-columbia/wright-patman-congressional) [**US Senate FCU** Senate Hart · Washington · DC · 20510-0001 About 1.1 miles away](https://rateapi.dev/credit-unions/virginia/us-senate-fcu) [**Treasury Department** COURTS · WASHINGTON · DC · 20544-0003 About 1.3 miles away](https://rateapi.dev/credit-unions/district-of-columbia/treasury-department) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join DC Credit Union Membership eligibility from DC Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on DC Credit Union's website. Check the membership page below to confirm whether you qualify. - Location prince george's — DC, MD, WA Verified from [DC Credit Union's membership page](https://www.dccreditunion.coop/join/) . Final membership determination is always made by the credit union. ## Membership rules for DC Credit Union Geography 1 county · Family 2 18 published paths to membership, last verified August 27, 2026, quoted from DC Credit Union’s own published criteria. ### Geography 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Prince George's County, MD - WA - Washington Dc, DC - Washington, DC “Our areas of focus include individuals who may live, work, worship, or attend school in, and business and other legal entities located in Washington, DC and Prince George’s County, MD.” > [source ↗](https://www.dccreditunion.coop/2026-annual-membership-meeting/) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family Of Deceased surviving spouse “Additionally, eligibility is extended to spouses of persons who died while within the field of membership of this credit union” > [source ↗](https://www.dccreditunion.coop/join/) - Family member (surviving spouse) of a deceased eligible person - Family of a member immediate family, household member “members of their immediate family or household” > [source ↗](https://www.dccreditunion.coop/join/) - Family member (immediate family, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for DC Credit Union? Yes No ## Work at DC Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where DC Credit Union ranks against District of Columbia peers. - See which AI assistants fetched DC Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in District of Columbia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=dc&state=district-of-columbia&code=DC&name=DC%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does DC Credit Union offer? DC Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are DC Credit Union rates updated? RateAPI verifies DC Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get DC Credit Union's rate data? Rate data is collected directly from DC Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is DC Credit Union's mortgage rate? As of November 12, 2026, DC Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join DC Credit Union? DC Credit Union publishes its membership criteria on its own website. RateAPI tracks 18 published membership paths covering 1 county for DC Credit Union, each quoted from DC Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare DC Credit Union's rates against national credit-union benchmarks. [More District of Columbia credit unions](https://rateapi.dev/credit-unions/district-of-columbia) [District of Columbia mortgage rate leaders](https://rateapi.dev/mortgage-rates/district-of-columbia) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.dccreditunion.coop/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track DC Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when District of Columbia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for DC Credit Union curl "https://api.rateapi.dev/credit-unions/district-of-columbia /dc " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## DC Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/district-of-columbia/dc Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp