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State Department Federal Credit Union

U.S. Banking Options for Americans Living Abroad

Living abroad can make access to U.S. financial services more complicated. Americans overseas may need a U.S. account to manage payments, transfer funds, receive certain benefits, maintain financial connections in the United States, or handle other cross-border financial needs.

Democrats Abroad is now a group member of the State Department Federal Credit Union (SDFCU), expanding access to U.S. financial services for eligible Democrats Abroad members worldwide.

SDFCU is a U.S.-based, full-service federal credit union with experience serving members who live internationally.

Banking Designed for a Global Life

For many Americans abroad, maintaining access to a U.S. financial institution can be difficult. Some financial institutions restrict services for customers with foreign addresses, international phone numbers, or other cross-border needs.

SDFCU serves a globally mobile membership and offers financial services that may help eligible members manage their U.S. banking needs while living overseas.

Services and Features

Depending on eligibility and the products selected, SDFCU services and features may include:

  • U.S.-based checking and savings accounts
  • Online and mobile banking access
  • Support for international addresses and phone numbers
  • International money transfers and multiple-currency transfer options
  • Credit card options with no foreign transaction fees on eligible products
  • Mobile wallet integration
  • Membership opportunities for eligible family members*

*Non-US citizens and non-permanent residents seeking SDFCU membership must have a US citizen household or family member who qualified for SDFCU membership through a select employer group (excluding American Consumer Council). Eligible family and household member relationships include: spouses, domestic partners cohabiting and sharing finances, children, siblings, parents, grandparents, grandchildren, and household members or roommates. All familial relationships include biological, adopted, and step equivalents. Foreign national members are not eligible for IRA or Trust accounts, and all additional account services are subject to third-party contractual agreements. Membership is subject to eligibility and approval.

How It Works

1

Be a Democrats Abroad Member

Democrats Abroad membership may provide a qualifying path to apply for SDFCU membership.

2

Apply with SDFCU

Complete SDFCU's application process and provide the identification and information it requires.

3

Explore Your Options

Once approved, explore the SDFCU accounts and financial products available to you.

Learn More About SDFCU

Explore SDFCU's membership eligibility requirements, account options, and services for eligible members.

Visit SDFCU  

Questions?

To learn more about SDFCU's products, services, eligibility requirements, and application process, please visit SDFCU directly.

Have a question you'd like addressed during the webinar? Submit it in advance when you register.

Important Information

SDFCU is solely responsible for determining eligibility for membership, reviewing applications, approving accounts, and providing its financial products and services. Democrats Abroad does not provide financial services, financial advice, or assistance with individual SDFCU account applications.

Product availability, eligibility requirements, rates, fees, terms, and conditions are determined by SDFCU and may change. Questions regarding SDFCU membership, accounts, products, or applications should be directed to SDFCU.