EP Federal Credit Union
Credit Union
1300 Pennsylvania Avenue NW Mezzanine Level, Washington, DC, 20004
Conventional
Credit Unions in Washington, District of Columbia
Connect with 5 trusted credit unions serving Washington and surrounding areas
5
Credit Unions in Washington
120
Total Mortgage Professionals
1
Listings With an NMLS ID
Top Credit Unions in Washington, District of Columbia
Browse 5 local credit unions who understand the Washington market and can help you secure competitive mortgage rates and terms.
State Department Federal Credit Union
Credit Union
Department of Commerce Federal Credit Union
Credit Union
NMLS #810389
1401 Constitution Ave. NW B-0038A, Washington, DC, 20230
Lafayette Federal Credit Union
Credit Union
Fixed Rate ARM Conventional
HUD Federal Credit Union
Credit Union
Credit Unions in Washington, DC by the numbers
Of the 3 credit unions in Washington, DC that publish their loan programs, 3 (100%) offer HELOCs and home equity loans and 2 (67%) offer conventional loans.
HELOCs and home equity loans3 of 3 (100%)
Conventional loans2 of 3 (67%)
Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 3 of 5 listed credit unions that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.
Other Mortgage Professionals in Washington
Why Choose Local Credit Unions in Washington?
Local Market Expertise
Washington credit unions have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to District of Columbia. This expertise can help you navigate the local market more effectively.
Personalized Service
Working with local credit unions means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.
Competitive Rates & Terms
Local credit unions often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the Washington market.
Community Connections
Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.
Frequently Asked Questions
How do I choose the right credit union in Washington?
Shortlist at least three credit unions in Washington, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in District of Columbia, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.
What questions should I ask a credit union?
Ask about their experience in the Washington market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.
Are Washington credit unions better than online lenders?
Local credit unions offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.
Ready to Connect with Washington Credit Unions?
Get matched with the perfect credit union from our network of 5 local professionals