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 Discount for Fuel Efficient/Hybrid Vehicles - 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
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 between 1.99%-11.99%, based on your credit and collateral. 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. Terms and conditions subject to change.
DOLFCU can help when you need extra cash for the holidays, vacations, bill consolidation, home furnishings or repairs, tuition, medical and more!
Apply online today to take advantage of:
- 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. Apply online today to 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.
- 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.
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:
- Get an estimate of closing costs
- Learn more and get pre-qualified now for FREE
- Apply for a loan and get pre-approved in just minutes
- Receive a rebate when you buy or sell a home
- Calculate your buying power
Apply online today or call us between 8:30am - 5:00pm EST at (855) 913-6185. 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
Already Have a Mortgage through DOLFCU?
Download the Mobile App for your iPhone, iPad, or Android! Search for “Credit Union Mortgage Association” in the Android Google Play Store or Apple iTunes for iPhone and iPad users. You must already be registered via our website in order to enjoy the benefits of making a payment, updating your contact information, accessing your monthly statement, and more directly from your mobile device!
Let Your Home Unlock the Possibilities
Searching for flexibility and convenience?
DOLFCU’s 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*
- 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!
*Prime means the Prime Rate published in the Wall Street Journal on the first business day of each month. As of 8/1/19, Prime is 5.25%. Not all applicants will qualify for this rate. Annual Percentage Rates are based on applicant’s credit and our underwriting standards, which may include discounts for additional credit union services. APRs subject to change based on Prime with a minimum rate of 4% - and maximum of 18%. The cost of an appraisal normally ranges from $170-$500 is paid by the member whether or not the loan closes, if an appraisal is required. 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. All loans are subject to credit approval and membership eligibility. Minimum loan amount is $20,000. A home equity line of credit is by secured by a 1st or 2nd lien on your residential property. Consult a tax advisor regarding the deductibility of interest. Other terms and restrictions may apply. Please email Loans@DOLFCU.org or call (202) 789-2901, ext 3 for additional details. DOLFCU is an Equal Opportunity Lender.
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! Pay off 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.
- Rewards from travel to gift cards to merchandise & beyond!
*Foreign Transaction Fees (FTF) for Debit and Credit Card Programs: There is a 1% FTF assessment for international transactions. (See below for information on rates and fees.)
Consumer Credit Card Agreement and Disclosure - Standard MasterCard
Updated June, 2017
Your Points, Your Perks, Your Way!
Rewards! is a simple, easy to use program that lets you earn points when you use your rewards card. From groceries to utility bills to dining, your everyday purchases will really pay off. Rewards! offers you the freedom to choose the rewards you really want. How and when you use your points is up to you!
Hundreds of Reward Options
Earn 1 point for every $1 in credit card signature purchases. Redeem your points for rewards including merchandise, travel, gift cards, experiences, cash back, charitable donations and more.
With our extensive merchandise selection, you’ll be sure to find the reward item you’ve been saving for! Browse hundreds of brand-name rewards including cameras, tablets, gaming consoles and more!
Choose from products that are energy saving, resource conserving, made from recycled materials or made from natural materials.
Spontaneous or planned, however you choose to travel; Rewards! offers a wide range of getaways to suit your style. Browse top travel destinations, access exclusive deals and redeem points for airline tickets, hotel accommodations, car rentals, cruises, vacation packages and destination activities & excursions all in one place. Enjoy freedom from restrictions!
- No blackout dates
- No advance notice requirement
- No round-trip flight requirement
- No Saturday night stay requirement
Rewards! features dozens of merchants in various categories. Sample gift cards include:
- Dining (Olive Garden, Applebee's...)
- Entertainment (Game Stop, Fandango...)
- Fuel (BP...)
- Salon & spa
- Shopping (Macy's, Best Buy...)
From golf trips to white water rafting, Rewards! has the rewards to fit your unique lifestyle. Sample experiences include:
- Round of golf
- In-home session with a personal trainer
- White water rafting
- Wine lover’s getaway
- Luxury ski getaway
- 2 nights in Las Vegas
- Stock car racing ride along
- Hot air balloon ride
- Private couple’s cooking class
Rewards! offers you the flexibility and freedom to spend your reward any way you want. You may choose to receive an account credit that will be applied to your rewards account* or choose to redeem for our prepaid card that can be used at millions of locations. Treat yourself to a fun evening out, gift a friend or a family member or get that little extra something you’ve always wanted. Remember, the more you spend the more you earn!
Pay it forward with points! Redeem your points for a greater good by selecting a CharityChoice gift card. Donations can be designated to up to 3 charities of your choice.
*Points will automatically be subtracted from your account and a credit will appear on your Rewards! account within the next two billing statements after your order was placed.
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
|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.|
|Set Up and Maintenance Fee||Account Set-up Fee||None|
|Additional Card 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)."
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 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.