Loans

Vehicle

Vehicle Loans

DOLFCU can help you finance your next vehicle or refinance an existing, higher-rate auto loan. We'll even help you do your research to find the best deal with our AutoSmart or United Buying Service (UBS) programs! Once you find the perfect vehicle, we can even help you save on car insurance with TruStage!

Apply online today to take advantage of:

  • 100% Financing on both New & Used Autos*
  • Great Loan Rates with 24 to 84-month terms
  • Green (hybrid/alternative fuel) Discount of 0.50%* APR* off our standard vehicle rates
  • FAST Pre-Approval-Shop as if you have cash in hand!
  • Loans available for: Autos, SUVs, Trucks, Tractors, Motorcycles, RVs, Snowmobiles, ATV, Boats, and Personal Watercraft
  • Refinance for Extra Cash on hand and SAVE
  • Low Cost Insurance options and extended warranties
  • Include Tax, Tags, Title, & Maintenance Agreement in Loan Cost

Less than perfect credit? See our Managed Credit Program. We also encourage members to use our Loan Calculator to estimate their payments.

*100% of used car sticker price or 100% of the retail NADA value, whichever is less. Annual Percentage Rate (APR) varies based on your credit score. Refinancing offer is only for vehicle loans NOT financed by DOLFCU. Loan will mirror existing loan cosigners and payoff term, last 6 months must have been paid on time. Certain restrictions apply, contact us for details. Payment Example: For borrowers with excellent credit a 60-month vehicle loan of $20,000 at 1.99% APR would have 60 monthly payments of $350.47. Collateral Insurance during life of loan required. Rates are subject to change and are determined by the collateral and credit qualifications of the borrower.


Personal

Personal Loan

When you need extra cash - for holidays, vacations, bill consolidation, home furnishings or repairs, tuition, medical and more — DOLFCU provides:

  • Up to 60-month terms
  • Loans from $500 up to $25,000
  • Competitive Fixed Rates*
  • Use our Loan Calculator to estimate your payments.

*As an example, a loan for a member with excellent credit of $10,000 at 8.25% Annual Percentage Rate (APR) for 5 years results in a monthly payment of $201.57. Your APR may be higher and is based on your credit and loan terms. Must meet membership eligibility and underwriting standards. Not all applicants will be approved. DOLFCU is an Equal Opportunity Lender.

 

Personal Cash/Line of Credit

This flexible cash line of credit can be used as overdraft protection or to access cash quickly and easily, whenever you need it. Take advantage of:

  • No application, cash advance or annual fees!
  • Borrow only what you need, when you need it
  • Move money to and from your accounts from your phone or computer
  • Protect your checking account and avoid costly overdraft fees
  • Variable rates as low as Prime plus 5.00% - currently 10% APR**
  • Fixed Payments for better budgeting

** Prime is the Prime Rate as published in the Wall Street Journal the first business day of each month. As of July 1, 2018, the prime rate is 5.0%. Variable rate loans are subject to change based on market conditions and currently are between 4.0%-18.0% based on your creditworthiness and our underwriting standards. Monthly payment depends on amount borrowed and term of loan. Contact us for details and membership eligibility requirements. Equal Opportunity Lender.


Stretch Pay

StretchPay Loans

If cash is tight and payday is too far away, turn to DOLFCU!

We're here to help you with our short-term loan called StretchPay. It's easy to qualify* and can help you save money by avoiding the high rates and fees of payday lenders or check cashing outlets. Request your StretchPay Loan today to start taking advantage of the following benefits:

  • Easy to qualify*
  • Low 18% APR** - saving you money compared with the high rates and fees of payday lenders or check cashing outlets
  • Small annual enrollment fee!
    • $35 for a $350 loan limit, or
    • $70 for a $500 loan limit, or
    • $100 for a $750 loan limit
  • Borrow as often as you want up to your loan limit***! No additional fees, paperwork or hassle!
  • Can help build strong credit

Certain restrictions apply. *To qualify, you must be a member of DOLFCU for at least 120 days, have direct deposit of income, have no delinquent DOLFCU accounts, and not be in the process of filing for bankruptcy. **APR=Annual Percentage Rate. Finance charges on a 30-day $500 StretchPay loan are $7.40. Loan fee for commercial payday lender charging $15 per $100 borrowed is $150 for $500 borrowed over two 14-day terms. ***Advances must be paid in full prior to additional advances. Other conditions apply.


Shared Secured

Share Secured Loans

If you're looking to build credit or just want to leave your savings untouched, a share secured loan may be the right solution.

DOLFCU Share Secured Loans are 100% secured by your Share Savings or Money Market Accounts. You continue to earn dividends on your savings and still get cash on hand to use as you choose.

* Rate(s) = Annual Percentage Rate


Mortgage

Buying a Home?

It's easy with DOLFCU and our partner, Credit Union Mortgage Association, Inc. Your mortgage loan approval is just minutes away! 

Experience the "Credit Union Mortgage Advantage" with reduced paperwork and hassle-free online mortgage applications. It's really that simple... just answer a few questions and receive an online decision in minutes.

Online Mortgage Center

Access our Online Mortgage Center - your one-stop homebuyer resource center for all your mortgage questions. Whether you are looking to purchase your first home, a new home, or refinance, DOLFCU lets you choose from a variety of fixed and adjustable rate repayment options. 

With our Online Mortgage Center, you can:

You can also get up to the minute first mortgage rate information and learn more about our First-Time Homebuyer Program. First mortgage loans are available through conventional, FHA and VA programs.

Apply online today or call us between 8:30am - 5:00pm EST at (571) 490-8002. If you call outside of our regular business hours to speak with a loan officer, press 3 to be connected to our after-hours call center. Click here to contact us online.

Department of Labor FCU NMLS Institution ID 447026


HELOC

Let Your Home Unlock the Possibilities

Searching for flexibility and convenience?

DOLFCU’s Prime Home Equity Line of Credit (HELOC) is perfect for home improvement projects and other expenses.

Whether you’re thinking about renovating your home, paying for education, or taking advantage of investment opportunities, DOLFCU can help you find the best home equity option for your needs. Put the equity in your home to work on your next project. By tapping the value you’ve built in your home, you can fund anything from energy-efficient window installation in your home to debt consolidation.

DOLFCU’s Home Equity Line of Credit offers you the flexibility to borrow only the amount you need, as you need it, throughout the draw period.

  • Variable rates as low as Prime +0% APR*
  • DOLFCU will pay most closing costs*
  • Low monthly payments
  • Interest may be tax deductible*
  • Only pay interest on money you borrow

Check out our  competitive rates!

Annual Percentage Rate (APR) shown is current as of 07/01/18 and is variable, meaning it may change at any time, based on market conditions. APRs currently range between 5.00%-8.75% based on your credit and our underwriting criteria. Your APR may be higher than the one shown. Approvals are based on qualifications for membership and credit. 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. Consult a tax advisor regarding the deductibility of interest paid. Some additional restrictions may apply. Please email Loans@DOLFCU.org or call (202) 789-2901, ext 3 for additional details. DOLFCU is an equal opportunity lender.


MasterCard

DOLFCU's MasterCard®

With no hidden fees or fancy gimmicks, DOLFCU's MasterCard® gives you all the purchasing power you need--anywhere, anytime - along with an everyday low-rate! Payoff your higher rate debts and save money today! 

Apply ONLINE and start taking advantage of:

  • Credit lines up to $20,000
  • No Annual Fee, No Balance Transfer Fee, and No Cash Advance Fees
  • No Fees* and same low APR on both Cash Advances and Purchases!
  • 25-day grace period for purchases
  • FREE Online and Mobile Access through our Online Banking App.

*Foreign Transaction Fees (FTF) for Debit and Credit Card Programs: There is a 1% FTF assessment for international transactions.

Consumer Credit Card Agreement and Disclosure - Standard MasterCard
Updated June, 2017

PIN Change / Card Activation

Change Card PIN to your selected PIN from any touch tone phone:
(877) 267-6914

Activate your card using a touch tone phone:
(866) 619-0245

Lost/Stolen Cards

During business hours, report a lost/stolen card:
(844) 436-5328 or (202) 789-2901

After-hours & weekends, report a lost/stolen card:
(800) 528-2273

When traveling internationally, report a lost/stolen card:
(812) 647-9794

To report fraud or a dispute transaction:
(800) 808-6402

 

MasterCard Application and Solicitation Disclosure

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases 8.99%-17.99% when you open your account, based on your creditworthiness.
APR for Balance Transfers 8.99%-17.99% when you open your account, based on your creditworthiness.
APR for Cash Advances 8.99%-17.99% when you open your account, based on your creditworthiness.
How to Avoid Paying Interest
on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FEES
Set Up and Maintenance Fee Account Set-up Fee None
Program Fee None
Participation Fee None
Additional Card Fee None
Application Fee None
Transaction Fees Balance Transfer Fee None
Cash Advance Fee None
Foreign Transaction Fee 1% of each transaction in U.S. dollars
Transaction Fee for Purchase None
Penalty Fee Late Payment Fee Up to $20.00
Over-the-Credit Limit Fee None
Returned Payment Fee Up to $30.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Effective Date:
The information about the costs of the card described in this application is accurate as of June 5, 2017. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Standard MasterCard is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:

Late Payment Fee:  $20.00 or the amount of the required minimum payment, whichever is less, if you are 30 or more days late in making a payment.

Returned Payment Fee:  $25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following the initial violation, you will be charged $30.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:  $5.00.

Document Copy Fee:  $4.00.

Emergency Card Replacement Fee:  $55.00.

PIN Replacement Fee:  $5.00.

Rush Fee:  $55.00.

Statement Copy Fee:  $3.00.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.


Student Loans

Student Loan® by Sallie Mae®

The Smart Option Student Loan® by Sallie Mae® for borrowers attending degree-granting institutions.

Now you can pay for college the smart way with three great repayment options and competitive interest rates! The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibility
  • No origination fees and no prepayment penalty
  • Multiple in-school repayment options available
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 24/7 online account management

To learn more or to apply, please get started here.