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State Department Federal Credit Union (SDFCU) membership comes with access to low loan rates, free checking, rewards and many exclusive services.

SDFCU is a not-for-profit financial services provider serving over 80,000 members worldwide. Visit about us to learn more about SDFCU.

Join in Three Easy Steps


Check your Eligibility

Join via D.O.S. affiliation, association membership, family relation, and more.


Gather your Information

Home address, Social Security number, driver's license / identification card.


Open your Account

Membership starts with a Savings account. It takes $1 to open, which we'll provide. Apply online or in a branch.

Join Today

See how you are eligible

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Department of State

Employees and on-site contractors of the Department of State.

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Family & Household

Spouses, parents, children, siblings, grandchildren, stepparents, stepchildren, step-siblings and adoptive relationships are eligible, including persons living in the same residence maintaining a single economic unit.

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Organizational Affiliates

As a member of one of SDFCU's associations, organizations or company partners, you may qualify.

View our listing of affiliates/Select Employee Groups.

American Consumer Council

American Consumer Council members may be eligible to join SDFCU. Applicants will need to choose ACC on their application when opening their account.

Partner With Us

Do you represent an employer, business or association? You can extend credit union membership as a perk for your staff or members. Consider a group membership with SDFCU.

Learn More

Membership Perks

  • Low-rate loans and high-yield savings
  • Access to nearly 30,000 free ATMs nationwide through the CO-OP Network
  • Undergraduate scholarship competition eligibility
  • Credit card and debit card rewards
  • Mobile app access with mobile check deposit
  • Free notary services at all branch locations
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Foreign Service, Traveling, and Living Overseas

  • ATM and foreign transaction fee reimbursement options on checking accounts
  • Mortgage loan while living overseas and finance as a primary home
  • Auto financing available even if car is garaged overseas
  • No foreign transaction fees on any of our credit card options
  • Competitively low wire transfer fees
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Resources & Services

  • Investment services
  • Trusted real estate partnership
  • Car-buying resources
  • Life, home, auto and AD&D insurance options
  • Free credit score access online or on our mobile app
  • Coindexter Club youth financial education
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