Best Credit Union Savings and Money Market Rates in Washington, District Of Columbia, DC October 29, 2025

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Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

Washington, DC - October 29, 2025

Savings Account National Average Rate: 0.44% ^?

Credit Unions	APY	MIN
LAFAYETTE Lafayette Branch Restrictions	4.07% 3.66%	$250,000 $20,000	Learn More Add Review
Rate History: 4.52% → 4.99% → 4.07%
STATE DEPARTMENT Sdfcu Ft. Mcnair Branch Restrictions	3.56% 2.02% 1.51% 1.26%	$250,000 $100,000 $50,000 $25,000	Learn More Add Review
AGRICULTURE Agriculture Branch Restrictions	3.50% 2.25% 2.00% 1.75% 0.00%	$0 $100,000 $50,000 $10,000 $2,500	Learn More Add Review
Rate History: 6.00% → 4.00% → 6.00% → 4.00% → 3.50%
ANDREWS FEDERAL CREDIT UNION Henson Ridge Branch Restrictions	3.25% 1.25% 1.15% 1.10%	$1 $50,000 $20,000 $2,500	Learn More Add Review
ALLIANT Restrictions	3.10%	$100	Learn More
Gaius Gracchus \| Mar 22, 2024 Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More Reviews (5)
PENTAGON New Executive Office Building Branch Restrictions	2.80%	$5	Learn More
Last change: ↓ 0.10% on September 25.
Rate History: 2.90% → 2.80%
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
NAVY FEDERAL CREDIT UNION Navy Federal Credit Branch Restrictions	2.15% 1.95% 1.75% 1.60% 1.45% 1.06% 1.00% 0.90%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
DC Dc Branch Restrictions	2.12% 2.02%	$10,000 $2,500	Learn More Add Review
Rate History: 1.36% → 1.41% → 2.12%
DEPARTMENT OF COMMERCE Main Office Branch Restrictions	2.10% 2.02% 1.87%	$50,000 $20,000 $2,500	Learn More
Rate History: 2.50% → 2.27% → 2.10%
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
AMERICAN AIRLINES Aafcu - Dca Branch Restrictions	2.02%	$5	Learn More
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
NASA Nas Branch Restrictions	2.00% 1.85% 1.70% 1.65%	$100,000 $50,000 $10,000 $0	Learn More Add Review
Rate History: 1.95% → 2.00%
LIBRARY OF CONGRESS Library Of Congress Branch Restrictions	1.61% 1.41% 1.21%	$75,000 $20,000 $2,500	Learn More Add Review
Rate History: 1.82% → 1.71% → 1.61%
TRANSPORTATION Transportation Branch Restrictions	1.40% 1.35% 1.25% 1.00%	$50,000 $20,000 $10,000 $2,500	Learn More
9238210 Lost \| Jan 19, 2023 They have a lot of potential to be great. But, they need to learn their systems and how to best serve their Members. Don't do it. Just don't. You've been warned. Read More Reviews (1)
UNITED STATES SENATE Gao Branch Restrictions	1.31% 1.26% 1.21% 1.16% 1.11% 1.06% 1.01% 0.95% 0.90%	$500,000 $250,000 $150,000 $100,000 $75,000 $40,000 $20,000 $10,000 $2,000	Learn More Add Review
Rate History: 1.77% → 1.87% → 1.82% → 1.41% → 1.31%
BANK FUND STAFF Ifc Branch Restrictions	1.25% 1.15% 1.10% 1.05%	$50,000 $25,000 $10,000 $2,500	Learn More
CE \| Dec 7, 2020 Worst Bank EVER!!!!, 1. They have more account intrusions than a windows OS and when you ask how it happened, they inform you have to file a police report in order to receive that information that doesn't ... Read More Reviews (1)
STATE DEPARTMENT Sdfcu Ft. Mcnair Branch Restrictions	1.21%	$2,000	Learn More Add Review
UNITED NATIONS Washington D.c. Branch Restrictions	1.10% 1.00% 0.95%	$25,000 $2,500 $0	Learn More Add Review
Rate History: 1.35% → 1.20% → 1.10%
COMMONWEALTH ONE Commonwealth One Branch Restrictions	0.85% 0.75% 0.65%	$50,000 $25,000 $0	Learn More Add Review
Rate History: 0.65% → 0.85%
DEPARTMENT OF THE INTERIOR Department Of The In Branch	0.85% 0.80% 0.75% 0.70% 0.65% 0.60% 0.51%	$100,000 $75,000 $50,000 $25,000 $10,000 $5,000 $1,000	Learn More Add Review
SIGNAL FINANCIAL Signal Financial Branch Restrictions	0.50%	$25,000	Learn More Add Review
IDB GLOBAL Idb-iic Branch Restrictions	0.40%	$2,500	Learn More Add Review
GOVERNMENT PRINTING OFFICE Government Printing Office Branch Restrictions	0.30%	$25,000	Learn More Add Review
FEDCHOICE National Financial Service Center Branch Restrictions	0.30%	$10,000	Learn More Add Review
EP Engraving And Printi Branch Restrictions	0.30%	$25,000	Learn More Add Review
LAFAYETTE Lafayette Branch Restrictions	0.30% 0.15% 0.05%	$150,000 $25,000 $2,500	Learn More Add Review
N R L Lab Branch Restrictions	0.25%	$2,500	Learn More Add Review
EP Engraving And Printi Branch Restrictions	0.25%	$2,500	Learn More Add Review
STAR USA Restrictions	0.25%	$50,000	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
SIGNAL FINANCIAL Signal Financial Branch Restrictions	0.25%	$10,000	Learn More Add Review
GOVERNMENT PRINTING OFFICE Government Printing Office Branch Restrictions	0.25%	$10,000	Learn More Add Review
TRANSPORTATION Transportation Branch Restrictions	0.25%	$5	Learn More
9238210 Lost \| Jan 19, 2023 They have a lot of potential to be great. But, they need to learn their systems and how to best serve their Members. Don't do it. Just don't. You've been warned. Read More Reviews (1)
NATIONAL INSTITUTES OF HEALTH National Institutes Branch Restrictions	0.25%	$25,000	Learn More Add Review
NAVY FEDERAL CREDIT UNION Navy Federal Credit Branch Restrictions	0.25%	$5	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
DISTRICT OF COLUMBIA TEACHERS District Of Columbia Branch Restrictions	0.20%	$25,000	Learn More Add Review
JUSTICE Justice Branch Restrictions	0.20%	$25,000	Learn More Add Review
PAHO/WHO Paho Who Federal Credit Union Columbia Plaza Branch Restrictions	0.20%	$2,500	Learn More Add Review
EDU Restrictions	0.20%	$0	Learn More Add Review
NATIONAL INSTITUTES OF HEALTH National Institutes Branch Restrictions	0.20%	$10,000	Learn More Add Review
BANK FUND STAFF Ifc Branch Restrictions	0.20%	$0	Learn More
CE \| Dec 7, 2020 Worst Bank EVER!!!!, 1. They have more account intrusions than a windows OS and when you ask how it happened, they inform you have to file a police report in order to receive that information that doesn't ... Read More Reviews (1)
DEPARTMENT OF THE INTERIOR Department Of The In Branch	0.20% 0.15%	$1,500 $25	Learn More Add Review
GOVERNMENT PRINTING OFFICE Government Printing Office Branch Restrictions	0.15%	$2,500	Learn More Add Review
LIBRARY OF CONGRESS Library Of Congress Branch Restrictions	0.15%	$0	Learn More Add Review
ADVANTAGE FINANCIAL Dva Branch Restrictions	0.15%	$2,500	Learn More Add Review
STAR USA Restrictions	0.15%	$2,500	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
NATIONAL INSTITUTES OF HEALTH National Institutes Branch Restrictions	0.15%	$2,500	Learn More Add Review
JUSTICE Justice Branch Restrictions	0.15%	$2,500	Learn More Add Review
GSA Branch - Nw Restrictions	0.15%	$2,500	Learn More Add Review
TREASURY DEPARTMENT Treasury Department Branch Restrictions	0.15%	$25,000	Learn More Add Review
PENTAGON New Executive Office Building Branch Restrictions	0.15% 0.05%	$100,000 $0	Learn More
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
PEPCO Pepco Branch Restrictions	0.11%	$2,500	Learn More Add Review
GEORGETOWN Hoya Branch	0.10%	$10,000	Learn More Add Review
FEDCHOICE National Financial Service Center Branch Restrictions	0.10%	$2,500	Learn More Add Review
GEORGETOWN UNIVERSITY ALUMNI AND ST Georgetown Universit Branch	0.10%	$2,500	Learn More Add Review
NASA Nas Branch Restrictions	0.10%	$5	Learn More Add Review
DISTRICT OF COLUMBIA TEACHERS District Of Columbia Branch Restrictions	0.10%	$2,500	Learn More Add Review
EP Engraving And Printi Branch Restrictions	0.10%	$2,500	Learn More Add Review
SIGNAL FINANCIAL Signal Financial Branch Restrictions	0.10%	$25,000	Learn More Add Review
N R L Lab Branch Restrictions	0.10%	$2,500	Learn More Add Review
STAR USA Restrictions	0.10%	$10	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
TREASURY DEPARTMENT Treasury Department Branch Restrictions	0.10%	$2,500	Learn More Add Review
UNITED STATES SENATE Gao Branch Restrictions	0.10%	$5	Learn More Add Review
Rate History: 0.15% → 0.10%
PENTAGON New Executive Office Building Branch Restrictions	0.10%	$10,000	Learn More
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
COMMONWEALTH ONE Commonwealth One Branch Restrictions	0.07% 0.05%	$2,500 $0	Learn More Add Review
GOVERNMENT PRINTING OFFICE Government Printing Office Branch Restrictions	0.05%	$2,500	Learn More Add Review
DISTRICT OF COLUMBIA TEACHERS District Of Columbia Branch Restrictions	0.05%	$2,500	Learn More Add Review
STATE DEPARTMENT Sdfcu Ft. Mcnair Branch Restrictions	0.05%	$0	Learn More Add Review
NATIONAL INSTITUTES OF HEALTH National Institutes Branch Restrictions	0.05%	$2,500	Learn More Add Review
SIGNAL FINANCIAL Signal Financial Branch Restrictions	0.05%	$2,500	Learn More Add Review
GEORGETOWN Hoya Branch	0.05%	$2,500	Learn More Add Review
PEPCO Pepco Branch Restrictions	0.05%	$10,000	Learn More Add Review
STAR USA Restrictions	0.05%	$5	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
TREASURY DEPARTMENT Treasury Department Branch Restrictions	0.05%	$2,500	Learn More Add Review
ADVANTAGE FINANCIAL Dva Branch Restrictions	0.05%	$2,500	Learn More Add Review
JUSTICE Justice Branch Restrictions	0.05%	$2,500	Learn More Add Review
FEDCHOICE National Financial Service Center Branch Restrictions	0.05%	$2,500	Learn More Add Review
DEPARTMENT OF COMMERCE Main Office Branch Restrictions	0.05%	$0	Learn More
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
ANDREWS FEDERAL CREDIT UNION Henson Ridge Branch Restrictions	0.05%	$5	Learn More Add Review
UNITED NATIONS Washington D.c. Branch Restrictions	0.05%	$1	Learn More Add Review
AGRICULTURE Agriculture Branch Restrictions	0.02%	$100	Learn More Add Review
Rate History: 0.05% → 0.02%
EDU Restrictions	0.01%	$1	Learn More Add Review
DC Dc Branch Restrictions	0.01%	$5	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Local Banks →

Branches Info around Washington, District Of Columbia

Branch	Street	City	State
LAFAYETTE Lafayette Lafayette Branch	1381 KENYON STREET, N.W	WASHINGTON	DC
LAFAYETTE Lafayette Lafayette Branch	1381 KENYON STREET, N.W	WASHINGTON	DC
STATE DEPARTMENT Sdfcu Ft. Mcnair Branch Sdfcu Ft. Mcnair Branch	Building 41	Washington	DC
AGRICULTURE Agriculture Agriculture Branch	1800 M Street, Suite 3092	Washington	DC
ANDREWS FEDERAL CREDIT UNION Henson Ridge Henson Ridge Branch	1556 Alabama Ave SE	Washington	DC
PENTAGON New Executive Office Building New Executive Office Building Branch	725 17th St NW Ste 8101	Washington	DC
AGRICULTURE Agriculture Agriculture Branch	1800 M Street, Suite 3092	Washington	DC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Navy Annex, Federal Bldg. 2, Room G050, Columbia P	Washington	DC
DC Dc Dc Branch	3059 Mount Pleasant Street NW	Washington	DC
Department of Commerce Main Office Main Office Branch	1401 Constitution Ave NW Rm B-841A	Washington	DC
DC Dc Dc Branch	3059 Mount Pleasant Street NW	Washington	DC
STATE DEPARTMENT Sdfcu Ft. Mcnair Branch Sdfcu Ft. Mcnair Branch	Building 41	Washington	DC
Department of Commerce Main Office Main Office Branch	1401 Constitution Ave NW Rm B-841A	Washington	DC
AMERICAN AIRLINES Aafcu - Dca Aafcu - Dca Branch	1 Aviation Cir	Washington	DC
AGRICULTURE Agriculture Agriculture Branch	1800 M Street, Suite 3092	Washington	DC
NASA Nas Nas Branch	500 5th St NW Ste 310	Washington	DC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Navy Annex, Federal Bldg. 2, Room G050, Columbia P	Washington	DC
Department of Commerce Main Office Main Office Branch	1401 Constitution Ave NW Rm B-841A	Washington	DC
NASA Nas Nas Branch	500 5th St NW Ste 310	Washington	DC
AGRICULTURE Agriculture Agriculture Branch	1800 M Street, Suite 3092	Washington	DC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Navy Annex, Federal Bldg. 2, Room G050, Columbia P	Washington	DC
NASA Nas Nas Branch	500 5th St NW Ste 310	Washington	DC
NASA Nas Nas Branch	500 5th St NW Ste 310	Washington	DC
LIBRARY OF CONGRESS Library Of Congress Library Of Congress Branch	101 INDEPENDENCE AVENUE SE, RM 634	WASHINGTON	DC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Navy Annex, Federal Bldg. 2, Room G050, Columbia P	Washington	DC
STATE DEPARTMENT Sdfcu Ft. Mcnair Branch Sdfcu Ft. Mcnair Branch	Building 41	Washington	DC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Navy Annex, Federal Bldg. 2, Room G050, Columbia P	Washington	DC
LIBRARY OF CONGRESS Library Of Congress Library Of Congress Branch	101 INDEPENDENCE AVENUE SE, RM 634	WASHINGTON	DC
TRANSPORTATION Transportation Transportation Branch	1200 New Jersey Ave SE, West Wing,	Washington	DC
TRANSPORTATION Transportation Transportation Branch	1200 New Jersey Ave SE, West Wing,	Washington	DC
UNITED STATES SENATE Gao Gao Branch	441 G St NW Rm 1100	Washington	DC
STATE DEPARTMENT Sdfcu Ft. Mcnair Branch Sdfcu Ft. Mcnair Branch	Building 41	Washington	DC
UNITED STATES SENATE Gao Gao Branch	441 G St NW Rm 1100	Washington	DC
TRANSPORTATION Transportation Transportation Branch	1200 New Jersey Ave SE, West Wing,	Washington	DC
ANDREWS FEDERAL CREDIT UNION Henson Ridge Henson Ridge Branch	1556 Alabama Ave SE	Washington	DC
BANK FUND STAFF Ifc Branch Ifc Branch	2121 Pennsylvania Ave NW	WASHINGTON	DC
LIBRARY OF CONGRESS Library Of Congress Library Of Congress Branch	101 INDEPENDENCE AVENUE SE, RM 634	WASHINGTON	DC
STATE DEPARTMENT Sdfcu Ft. Mcnair Branch Sdfcu Ft. Mcnair Branch	Building 41	Washington	DC
UNITED STATES SENATE Gao Gao Branch	441 G St NW Rm 1100	Washington	DC
UNITED STATES SENATE Gao Gao Branch	441 G St NW Rm 1100	Washington	DC
BANK FUND STAFF Ifc Branch Ifc Branch	2121 Pennsylvania Ave NW	WASHINGTON	DC
ANDREWS FEDERAL CREDIT UNION Henson Ridge Henson Ridge Branch	1556 Alabama Ave SE	Washington	DC
UNITED STATES SENATE Gao Gao Branch	441 G St NW Rm 1100	Washington	DC
BANK FUND STAFF Ifc Branch Ifc Branch	2121 Pennsylvania Ave NW	WASHINGTON	DC
ANDREWS FEDERAL CREDIT UNION Henson Ridge Henson Ridge Branch	1556 Alabama Ave SE	Washington	DC
UNITED NATIONS Washington D.c. Washington D.c. Branch	1775 Pennsylvania Ave NW	Washington	DC
UNITED STATES SENATE Gao Gao Branch	441 G St NW Rm 1100	Washington	DC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Navy Annex, Federal Bldg. 2, Room G050, Columbia P	Washington	DC
BANK FUND STAFF Ifc Branch Ifc Branch	2121 Pennsylvania Ave NW	WASHINGTON	DC
UNITED STATES SENATE Gao Gao Branch	441 G St NW Rm 1100	Washington	DC
TRANSPORTATION Transportation Transportation Branch	1200 New Jersey Ave SE, West Wing,	Washington	DC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Navy Annex, Federal Bldg. 2, Room G050, Columbia P	Washington	DC
UNITED NATIONS Washington D.c. Washington D.c. Branch	1775 Pennsylvania Ave NW	Washington	DC
UNITED STATES SENATE Gao Gao Branch	441 G St NW Rm 1100	Washington	DC
UNITED NATIONS Washington D.c. Washington D.c. Branch	1775 Pennsylvania Ave NW	Washington	DC
UNITED STATES SENATE Gao Gao Branch	441 G St NW Rm 1100	Washington	DC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Navy Annex, Federal Bldg. 2, Room G050, Columbia P	Washington	DC
COMMONWEALTH ONE Commonwealth One Commonwealth One Branch	1150 15th ST NW	Washington	DC
DEPARTMENT OF THE INTERIOR Department Of The In Department Of The In Branch	1849 C ST NW RM B038	Washington	DC
DEPARTMENT OF THE INTERIOR Department Of The In Department Of The In Branch	1849 C ST NW RM B038	Washington	DC
DEPARTMENT OF THE INTERIOR Department Of The In Department Of The In Branch	1849 C ST NW RM B038	Washington	DC
COMMONWEALTH ONE Commonwealth One Commonwealth One Branch	1150 15th ST NW	Washington	DC
DEPARTMENT OF THE INTERIOR Department Of The In Department Of The In Branch	1849 C ST NW RM B038	Washington	DC
DEPARTMENT OF THE INTERIOR Department Of The In Department Of The In Branch	1849 C ST NW RM B038	Washington	DC
COMMONWEALTH ONE Commonwealth One Commonwealth One Branch	1150 15th ST NW	Washington	DC
DEPARTMENT OF THE INTERIOR Department Of The In Department Of The In Branch	1849 C ST NW RM B038	Washington	DC
DEPARTMENT OF THE INTERIOR Department Of The In Department Of The In Branch	1849 C ST NW RM B038	Washington	DC
SIGNAL FINANCIAL Signal Financial Signal Financial Branch	1400 Irving Street NW, Suite 115	Washington	DC
IDB GLOBAL Idb-iic Idb-iic Branch	1300 New York Ave. N.W.	Washington	DC
GOVERNMENT PRINTING OFFICE Government Printing Office Government Printing Office Branch	732 N Capitol ST NW	Washington	DC
FEDCHOICE National Financial Service Center National Financial Service Center Branch	1111 Constitution Ave Rm 1716	Washington	DC
EP Engraving And Printi Engraving And Printi Branch	13th & C Sts Sw, RM 215A	Washington	DC
LAFAYETTE Lafayette Lafayette Branch	1381 KENYON STREET, N.W	WASHINGTON	DC
SPECTRA Lab Branch Lab Branch	4555 Overlook Ave SW Bldg 222	Washington	DC
EP Engraving And Printi Engraving And Printi Branch	13th & C Sts Sw, RM 215A	Washington	DC
SIGNAL FINANCIAL Signal Financial Signal Financial Branch	1400 Irving Street NW, Suite 115	Washington	DC
GOVERNMENT PRINTING OFFICE Government Printing Office Government Printing Office Branch	732 N Capitol ST NW	Washington	DC
TRANSPORTATION Transportation Transportation Branch	1200 New Jersey Ave SE, West Wing,	Washington	DC
NATIONAL INSTITUTES OF HEALTH National Institutes National Institutes Branch	5255 Loughboro Road	Washington	DC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	Navy Annex, Federal Bldg. 2, Room G050, Columbia P	Washington	DC
DISTRICT OF COLUMBIA TEACHERS District Of Columbia District Of Columbia Branch	4340-C Connecticut Avenue, NW, VAn Ness Campus	Washington	DC
JUSTICE Justice Justice Branch	601 D Street NW, Room LL304	Washington	DC
PAHO/WHO Paho Who Federal Credit Union Columbia Plaza Paho Who Federal Credit Union Columbia Plaza Branch	506 23rd St NW	Washington	DC
NATIONAL INSTITUTES OF HEALTH National Institutes National Institutes Branch	5255 Loughboro Road	Washington	DC
BANK FUND STAFF Ifc Branch Ifc Branch	2121 Pennsylvania Ave NW	WASHINGTON	DC
DEPARTMENT OF THE INTERIOR Department Of The In Department Of The In Branch	1849 C ST NW RM B038	Washington	DC
DEPARTMENT OF THE INTERIOR Department Of The In Department Of The In Branch	1849 C ST NW RM B038	Washington	DC
GOVERNMENT PRINTING OFFICE Government Printing Office Government Printing Office Branch	732 N Capitol ST NW	Washington	DC
LIBRARY OF CONGRESS Library Of Congress Library Of Congress Branch	101 INDEPENDENCE AVENUE SE, RM 634	WASHINGTON	DC
ADVANTAGE FINANCIAL Dva Dva Branch	1800 G STREET NW ROOM 1206	WASHINGTON	DC
NATIONAL INSTITUTES OF HEALTH National Institutes National Institutes Branch	5255 Loughboro Road	Washington	DC
JUSTICE Justice Justice Branch	601 D Street NW, Room LL304	Washington	DC
GSA Branch - Nw Branch - Nw	1800 F St NW # 1211	Washington	DC
TREASURY DEPARTMENT Treasury Department Treasury Department Branch	1700 G ST, NW	WASHINGTON	DC
LAFAYETTE Lafayette Lafayette Branch	1381 KENYON STREET, N.W	WASHINGTON	DC
PENTAGON New Executive Office Building New Executive Office Building Branch	725 17th St NW Ste 8101	Washington	DC
PEPCO Pepco Pepco Branch	701 Ninth Street NW Suite 6230	Washington	DC
GEORGETOWN Hoya Hoya Branch	3700 Reservoir Road NW, Entrance #4	Washington	DC
FEDCHOICE National Financial Service Center National Financial Service Center Branch	1111 Constitution Ave Rm 1716	Washington	DC
GEORGETOWN UNIVERSITY ALUMNI AND ST Georgetown Universit Georgetown Universit Branch	Georgetown University 3700 O. Stree	Washington	DC
NASA Nas Nas Branch	500 5th St NW Ste 310	Washington	DC
DISTRICT OF COLUMBIA TEACHERS District Of Columbia District Of Columbia Branch	4340-C Connecticut Avenue, NW, VAn Ness Campus	Washington	DC
EP Engraving And Printi Engraving And Printi Branch	13th & C Sts Sw, RM 215A	Washington	DC
SIGNAL FINANCIAL Signal Financial Signal Financial Branch	1400 Irving Street NW, Suite 115	Washington	DC
SPECTRA Lab Branch Lab Branch	4555 Overlook Ave SW Bldg 222	Washington	DC
TREASURY DEPARTMENT Treasury Department Treasury Department Branch	1700 G ST, NW	WASHINGTON	DC
UNITED STATES SENATE Gao Gao Branch	441 G St NW Rm 1100	Washington	DC
PENTAGON New Executive Office Building New Executive Office Building Branch	725 17th St NW Ste 8101	Washington	DC
COMMONWEALTH ONE Commonwealth One Commonwealth One Branch	1150 15th ST NW	Washington	DC
GOVERNMENT PRINTING OFFICE Government Printing Office Government Printing Office Branch	732 N Capitol ST NW	Washington	DC
DISTRICT OF COLUMBIA TEACHERS District Of Columbia District Of Columbia Branch	4340-C Connecticut Avenue, NW, VAn Ness Campus	Washington	DC
STATE DEPARTMENT Sdfcu Ft. Mcnair Branch Sdfcu Ft. Mcnair Branch	Building 41	Washington	DC
NATIONAL INSTITUTES OF HEALTH National Institutes National Institutes Branch	5255 Loughboro Road	Washington	DC
SIGNAL FINANCIAL Signal Financial Signal Financial Branch	1400 Irving Street NW, Suite 115	Washington	DC
GEORGETOWN Hoya Hoya Branch	3700 Reservoir Road NW, Entrance #4	Washington	DC
PENTAGON New Executive Office Building New Executive Office Building Branch	725 17th St NW Ste 8101	Washington	DC
PEPCO Pepco Pepco Branch	701 Ninth Street NW Suite 6230	Washington	DC
TREASURY DEPARTMENT Treasury Department Treasury Department Branch	1700 G ST, NW	WASHINGTON	DC
ADVANTAGE FINANCIAL Dva Dva Branch	1800 G STREET NW ROOM 1206	WASHINGTON	DC
JUSTICE Justice Justice Branch	601 D Street NW, Room LL304	Washington	DC
FEDCHOICE National Financial Service Center National Financial Service Center Branch	1111 Constitution Ave Rm 1716	Washington	DC
Department of Commerce Main Office Main Office Branch	1401 Constitution Ave NW Rm B-841A	Washington	DC
ANDREWS FEDERAL CREDIT UNION Henson Ridge Henson Ridge Branch	1556 Alabama Ave SE	Washington	DC
UNITED NATIONS Washington D.c. Washington D.c. Branch	1775 Pennsylvania Ave NW	Washington	DC
LAFAYETTE Lafayette Lafayette Branch	1381 KENYON STREET, N.W	WASHINGTON	DC
COMMONWEALTH ONE Commonwealth One Commonwealth One Branch	1150 15th ST NW	Washington	DC
AGRICULTURE Agriculture Agriculture Branch	1800 M Street, Suite 3092	Washington	DC
DC Dc Dc Branch	3059 Mount Pleasant Street NW	Washington	DC
AGRICULTURE Agriculture Agriculture Branch	1800 M Street, Suite 3092	Washington	DC

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates. You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.