State Department Federal Credit Union

Homeownership Made Possible

Ready to step into homeownership? You may qualify for up to $17,500 in down payment assistance.

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First-Time Homebuyers campaign

Start the Year With a Smarter Plan

Consolidate holiday expenses with an SDFCU Holiday Personal Loan Promo. 

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SDFCU Annual Meeting & Board Elections

Find details on the 2026 SDFCU Board of Directors Election and Annual Meeting.

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2026 Annual Meeting

Banking That Travels With You

Stay connected to your accounts—at home or abroad.

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Weekend Plans?

Get early access to your direct deposit with Early Pay. 

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Two Great Terms. One Great Way to Save.

Enjoy competitive rates on 12 and 15-month certificates.

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Drive With Confidence

Finance your vehicle with us and delay your first payment for 90 days.

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Drive with confidence with SDFCU

Featured Products

house Mortgages
SDFCU Federal Credit Union Credit Cards Credit Cards
Check and Pen Checking Accounts
personal loans Certificates
automobile Auto Loans

Rates

Used Vehicle as low as 4.74 % APR*
New Vehicle as low as 4.24 % APR*
Credit Card as low as 10.49 % APR*
Home Equity as low as 5.49 % APR*
Share Certificate as high as 3.90 % APY*
Personal Loans as low as 7.99 % APR*
View All Rates
Membership

Why Join SDFCU?

SDFCU members have access to truly free checking, low loan rates, high-yield savings accounts, special services, and a convenient digital banking app to help grow and manage money.

Join Today

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24/7 Account Access

Members have many ways to manage their money through Digital Banking, our mobile app, virtual appointments, and more. 

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Travel Benefits

Enjoy no foreign transaction fees on any of our credit cards, access to nearly 30,000 free ATMs, our foreign currency exchange service, and more. 

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Earn Rewards

Receive cash back or Flexpoints rewards on our credit card options and store discounts with our debit card. 

Financial Education with SDFCU

Webinars

Banking for Overseas Members

Feb 05, 2026 - 9 a.m. ET | 3 p.m. CET | 9 p.m. ICT
REGISTER FOR THIS FREE WEBINAR
Webinars

Gaining Control of Your Spending

Feb 11, 2026 - 2 p.m. ET
REGISTER FOR THIS FREE WEBINAR
Webinars

Banking for Overseas Members

Mar 05, 2026 - 9 a.m. ET | 3 p.m. CET | 9 p.m. ICT
REGISTER FOR THIS FREE WEBINAR
Money Movement

International Transfers Made Easy

You can send money in nearly any currency in Digital Banking using our integrated Wise service. 

  • Fast, affordable option 
  • Get real-time payment updates 
  • Pay rent, bills, and more with ease 

Log In & Transfer Today

Send Money With Wise