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Business Details
Your Trusted Credit Union for Personalized Financial Services
D.C. Teachers' Federal Credit Union is a not-for-profit financial institution dedicated to serving its members with personalized banking solutions. Founded on principles of community and financial empowerment, we prioritize member needs over profit, offering competitive loan rates, high-yield savings accounts, and comprehensive financial services. Our commitment to security is underscored by federal insurance coverage up to $250,000 per account through the National Credit Union Administration (NCUA). With a focus on innovation, we provide 24/7 digital banking tools, including mobile apps and online account management, to ensure convenience for our members. Our team of financial experts works diligently to maintain transparency, ethical practices, and exceptional customer service, fostering long-term trust within the Washington, D.C. community.

Through programs like the Skip-A-Payment option and surcharge-free ATMs nationwide, we strive to make financial management accessible and stress-free. Our member-owned structure ensures that every decision aligns with the best interests of those we serve, creating a cooperative environment where financial success is a shared goal. From youth savings accounts to retirement planning, we offer tailored solutions to meet diverse financial needs across all life stages. Our physical branches and digital platforms are designed to provide seamless access to services, reflecting our dedication to modern convenience without compromising personal touch. By maintaining strong reserves and adhering to rigorous security protocols, we guarantee the safety and stability of our members' financial futures.
Services
Share Savings Account Vehicle Loans Visa Credit Card Free Checking Money Market Accounts
Highlights and features
  • We operate as a not-for-profit, member-owned cooperative focused on your financial success.
  • Our competitive loan rates and high-yield savings accounts outperform traditional banks.
  • 24/7 digital banking tools provide seamless access to accounts and transactions.
  • Federally insured accounts protect your deposits up to $250,000 through NCUA.
  • Skip-A-Payment program offers flexibility during financial challenges.
Associations and certifications
  • National Credit Union Administration (NCUA)
What people say
Excellent service Quick problem resolution Fantastic group Amazing service Grateful to be part of
Services
Share Savings Account
Your membership begins with a Share Savings Account, offering competitive dividends and flexible access to funds. This account provides a secure foundation for financial growth, with no minimum age requirement for membership. Joint ownership options allow shared management of funds while maintaining federal insurance coverage.
Vehicle Loans
Competitive vehicle loans start at 4.59% APR* for new cars and 5.00% APR* for used vehicles. Terms range from 24 to 84 months, with pre-approval options and nationwide vehicle selection. Our loans include benefits like free CarFax reports and flexible payment plans.
Visa Credit Card
Choose between the VISA Classic Credit Card and VISA Secured Credit Card to build credit and manage expenses. These cards offer global acceptance, fraud protection, and rewards programs. Secured options help members establish or rebuild credit histories with responsible usage.
Free Checking
Enjoy fee-free checking with 24/7 access to funds through ATMs, debit cards, and online bill pay. This account includes direct deposit options, overdraft protection, and mobile banking features like check deposit and card management tools.
Money Market Accounts
Money Market Accounts provide higher dividends with limited withdrawal flexibility (two free withdrawals monthly). These accounts balance liquidity and growth potential, ideal for emergency funds or short-term savings goals while maintaining federal insurance coverage.
Questions
How do I join D.C. Teachers Federal Credit Union?
Membership requires a $100 minimum share deposit. You can apply online, by mail, or in person at our Washington, D.C. branch with government-issued ID.
What services does the credit union offer?
We provide savings accounts, vehicle loans, credit cards, free checking, money market accounts, and digital banking tools like mobile apps and online bill pay.
Is my money safe with DCTFCU?
Yes. Savings and checking accounts are federally insured up to $250,000 through NCUA, with additional protection for retirement accounts and institutional reserves.
Can I access my account outside business hours?
Yes. Online banking and mobile apps provide 24/7 access to account management, transfers, and bill payment services.
What loan options are available?
We offer vehicle loans starting at 4.59% APR*, secured loans, credit cards, personal loans, and home equity financing with flexible terms.
Reviews (6)
Tamara Parker
Jul 14, 2020 Report
They are really kind and responsive people. I just wish they had a number after hours and a drive thru.
Terez Currie
Nov 13, 2019 Report
They are never available to help, you can't access your account after hours, PLEASE!!! find another Bank to use
Amanda Oldakowski
Oct 13, 2018 Report
We opened an account in January and should have run from the beginning! They claim they are for teachers but mocked us when we asked about Saturday hours. They have also been charging us for a life insurance policy on our auto loan that we never signed up for and our interest rate seems to change from month to month even though we signed up for a fixed rate loan. They have been actively ignoring our phone calls and emails for 2 months now! Can't wait until our 6 months are up and we can close our accounts! I can't believe the levels of ineptitude at this place.
J. T. Elliott
Jun 20, 2018 Report
Had an issue with funds being taken from my account. Received a phone call from Ms. Wedge today she resolved it and I am very, very happy. Thanks DCTFCU and Ms. Wedge, a very nice young lady, for responding.
Gail Carter
Nov 18, 2017 Report
How many times can your dc teachers visa card get hacked? Why does it take 2 weeks to obtain a new visa card? When are they going to update their computers and technology system? Poor parking also.
Theresa Watson
Aug 26, 2017 Report
They never answer the phone. Its always something going wrong with your account on their part. Very slow service.