All Rates & Fees

Savings Rates

Rates shown are current as of December 1, 2019 and are subject to change. Minimum balances indicated are required to earn Annual Percentage Yield (APY). Fees may reduce earnings on the accounts. Contact us for details.

Dividend Type Dividend
 Annual Percentage Yield (APY)
Dividend Calculation Method: Average Daily Balance, Compounded Monthly
Regular Share/Savings (minimum balance $5)
$5 and up .10% .10%
Money Market* (minimum balance $500)
$500-$2,000 .10% .10%
$2,001-$20,000 1.10% 1.10%
Over $20,0001 1.20% 1.20%
IRA Share Savings (Traditional, Roth or Coverdell Education Savings Accounts)
.30% .30%
Basic Checking
0% 0%
Reward Checking
$0-$20,000 with Basic Requirements** 3.0% 3.04%*
Balance above $20,000 with Basic Requirements** .20% .20%*
Share Certificates*** (minimum balance $500)
6 month certificate 1.50% 1.50%
1 year certificate 1.80% 1.81%
2 year certificate 1.90% 1.91%
3 year certificate 2.10% 2.11%
4 year  certificate 2.20% 2.21%

*Money Market accounts are limited transaction accounts. Exceeding transactions limits may result in a fee.

**Basic Requirements Per Month: 20 Debit Card transactions, one Direct Deposit, receive eStatements and use of Internet/Mobile Home Banking. If requirements are not met each month, the APY is .05%.

***Certificates can be opened for Individual Retirement Accounts and Coverdell Education Savings Accounts. A penalty may be imposed for early withdrawal.

Click to view Share Account Truth in Savings Disclosure.

Loan Rates

Loan approval and processing is based on standard loan underwriting guidelines. Not all applicants will qualify for the lowest rate. Program fees, rates and features are subject to change. Rates are current as of December 1, 2019 and are subject to change.

Loan Type Term
Annual Percentage
Rate (APR)*
New or Used Vehicle Loan (Purchase or Refinance) 24-84 months As low as 1.99%
Signature 6-60 months As low as 8.25%
MasterCard Credit Card As low as 8.99%
Variable Rate Signature Line of Credit As low as
Prime plus 5.00%**
Share Secured Loan  Share Rate plus 2%
Home Equity Line of Credit As low as Prime**
First Mortgage Daily mortgage rates
or call (800) 231-8855

*APRs shown are for members with excellent credit and may reflect rate discounts for additional credit union services. Your APR may be higher and is determined by our normal underwriting guidelines. Credit Card rates range from 8.99% to 17.50% APR.

**Prime Rate as published in the Wall Street Journal the first business day of each month. As of April 1, 2020, the Prime Rate is 3.25%. All variable rate loans have a floor of 2.5% and max of 18%. For home equity lines of credit, if an appraisal is required, the cost will be paid by the member, who is responsible for the fee whether or not the loan closes. Closing costs generally range between $175-$2150 for which the credit union will typically pay $175-$750. Borrower responsible for remainder of closing costs, any taxes and insurance. Property insurance required, flood insurance may be required. Program fees, rates and features subject to change without notice.

Rates are current as of December 1, 2019 and are subject to change. All loans subject to credit approval and membership eligibility. Other terms and restrictions may apply. Please email or call (202) 789-2901 for additional details.



The rates and fees appearing in this schedule are accurate and effective for accounts as of May 23, 2019. If you have any questions or require current rate and fee information on your accounts, please email or call (202) 789-2901.

Savings/Share Account Fees

Share Account Service Charge - Per month
(If minimum balance not met)
$ 1.00
Excessive Withdrawal Fee - Per Occurrence
(Over 6 per month for Savings, over 3 per month for Money Market)
$ 5.00

Share Draft Account Fees

NSF Fee/Uncollected Fee - Per Item $ 30.00
Overdraft Fee - Per Item $ 30.00*
Stop Payment - Per Request/Per Series $ 30.00/$ 35.00
Share Draft Printing Varies
Share Draft Copy - Per Month
(FREE Online)
$ 5.00

Loan Service Fees

Credit Card Replacement $ 5.00
Expedited Credit Card Replacement $ 55.00
Returned Loan Payment - Per Item $ 30.00
Delinquent Loan Payment - Percentage of Interest Due 20%
MasterCard Late Payment - Up to $ 20.00
MasterCard Return Payment - Up to $ 28.00
MasterCard Foreign Transaction Fee - Percentage of Transaction 1.0%
Stretch Pay Annual Fee for $750 limit $ 100.00
Stretch Pay Annual Fee for $500 limit $ 70.00
Stretch Pay Annual Fee for $350 limit $ 35.00
Stop Payment Loan Check $ 20.00
Loan Payment by Phone Fee $10.00

Electronic Funds Transfer Fees

Nonproprietary ATM Withdrawal - Per Transaction $ 1.00

Other Service Fees (Apply to ALL Accounts)

Account Research/Reconciliation - Per Hour $ 25.00
Account History Documentation - (FREE Online) $ 4.00
ATM/Debit Card Reactivation $ 10.00
ATM/Debit Card Replacement - Lost/Damaged $ 5.00
ATM/Debit Card Replacement - Expedited $ 55.00
Official or Certified Check - Per Check $ 5.00
Official/Certified Check or Money Order Stop Payment Request $ 30.00
Collection Fee for Charged-Off Share/Share Draft Accounts $ 20.00
Dormant Account Fee (No Activity or Updated in 12 Consecutive Months) - Per Month $ 10.00
Gift Card - MasterCard - Cost Per Card $ 4.95
Member Locator Fee - Per Account $ 27.00
Money Order - Per Item $ 1.50
Overdraft Fee (Drafts, ACH, POS, ATM, or Other Electronic Means) - Per Item $ 30.00*
Online Bill Payer Returned Item $ 30.00
Online Bill Pay Stop Payment - Per Item/Per Series $ 30.00/$ 35.00
Returned Checks - Per Check $ 30.00
Returned Mail - Per Item $ 3.00
Special Request Fee/Phone Transfer Fee $ 2.00
Statement Copy - Per Month (FREE Online) $ 3.00
Stop Payment - ACH & Share Drafts - Per Item/Per Series $ 30.00/$ 35.00
Tax Levies/Attachments & Escheatment of Accounts $ 100.00
Verification of Deposit $ 10.00
Western Union Quick Cash - Domestic/International $ 20.00/$ 40.00
Wire Transfer Domestic (Outgoing) - Per Transfer (Available on iPay) $ 20.00
Wire Transfer International (Outgoing) - Per Transfer $ 40.00

*We do authorize and pay overdrafts for the following types of transactions: checks/other transactions made using your checking account number and automatic bill payments. We will not authorize and pay overdrafts for the following types of transactions without your consent: ATM transactions and everyday debit card transactions. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. Under our standard overdraft practices, we will charge you a fee of up to $30 each time we pay an overdraft if your account is overdrawn more than $10. We will not charge you a fee if your account is overdrawn by $10 or less on any given day. There is a maximum of 5 Overdraft Fees and no limit of NSF fees per day on the total fees we can charge you for overdrawing your account If an item is returned because the available balance in your account is not sufficient to cover the item and the item is presented for payment again, Department of Labor Federal Credit Union will charge a return item fee each time it returns the item because it exceeds the available balance in your account. If, on representment of the item, the available balance in your account is sufficient to cover the item Department of Labor Federal Credit Union may pay the item, and, if payment causes an overdraft, charge an overdraft fee.

If you have questions or concerns about Overdraft Protection, simply emailvisit a branch, or call a DOLFCU Member Service Representative at (844) 436-5328 or (202) 789-2901.