See How Much You Can Save!
Refinance your auto loan from another financial institution!
Make No Payments for 90 days and receive $150 Cash Back!1Have multiple car loans elsewhere?2
Ask us about our multi car loan discounts!Refinance today!
Considering a New Vehicle?
We’ll even help you do your research to find the best deal with our AutoSmart or Carvana! Once you find the perfect vehicle (Autos, SUVs, Trucks, Tractors, Motorcycles, RVs, Snowmobiles, ATV, Boats, and Personal Watercraft), we may even help you save on car insurance with TruStage! Apply online today to take advantage of:
- FAST Pre-Approval – Shop as if you have cash in hand!
- NEW LOWER RATES NOW AVAILABLEwith up to 96-month terms.
- Low Cost insurance options and extended warranties.
- Tax, tags, title, & maintenance agreement included in the loan cost.
- Annual Skip-A-Pay Option3
- Sign and send documents electronically.
We also encourage members to use our Loan Calculator to estimate their payments.1 ELTV requirements apply to qualify for deferral. Interest accumulates during any deferment. $150 deposited to savings after closing of auto loan of $5,000 or more. We reserve the right to retain incentive dollars if loan is closed, paid off or refinanced elsewhere within the first two years. All accounts of obligor must be in good standing to receive incentive. Annual Percentage Rate (APR) ranges between 1.79%-7.99% based on credit. For borrowers with excellent credit a 60-month vehicle loan of $20,000 at 1.79% APR would have 60 monthly payments of $349. Your rate and payment may vary. Approvals based on credit and vehicle condition. Refi’s mirror term and cosigners of current loan. Eligible model years 2014-2022, maximum LTV restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Collateral insurance required for life of loan. DOLFCU auto loans ineligible for offer. Other restrictions may apply. DOLFCU reserves the right to end this program at any time and terms are subject to change without notice. Contact us for details. Equal Opportunity Lender.2 When you refinance 2 or more car loans with DOLFCU, you will receive a .25pt discount on each car.3 Skip-A-Pay (SAP) is an optional consumer loan program to defer one monthly payment for a fee, currently $20 for online skipped payment or $30 for employee assisted skipped payment. Loans must be open for at least 1 year and be current to be eligible for SAP. Other SAP qualifications apply. Interest accrues during and after payment deferral at loan contract rate. Deferring payment(s) results in higher finance charges and extension of loan term. Payments must be resumed the month following a skipped payment. DOLFCU has the right to limit the number of skips per loan. SAP program terms and conditions subject to change at any time.
Finance your Summer Fun!
DOLFCU can help you consolidate multiple loans to reduce your monthly payments or pay off debt faster. Need extra cash? A personal loan with DOLFCU could help you affordably finance your summer vacation, home furnishings or repairs, tuition, medical expenses and more!
Apply online today to take advantage of:
- Up to 72-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 4.99% Annual Percentage Rate (APR) for 48 months results in a monthly payment of $230.25. Your APR may be higher & is based on your credit and loan terms. Loan approval & processing is based on standard loan underwriting guidelines. Not all applicants will be approved. Equal Opportunity Lender.
Apply Online Now!
It’s fast and easy to apply for all types of loans with our Online Loan Applications.
DOLFCU has been awarded a 5-Star Rating for financial strength and stability by BauerFinancial, Inc., the Nation’s Premier Credit Union and Bank Rating Firm.
Click here for more information.
Have questions about the type of loan that is right for you?
Submit your question below.
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
- $120 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.
Whether you are purchasing a new home or refinancing, DOLFCU’s got the home loan you need!
We’re offering cash-off closing incentives!
For a limited time, we’re offering cash off closing costs as follows:
$1,000 off on balances of $0 – $250,000
$2,000 off balances of $250,001 – $350,000
$2,500 off balances over $350,001
*Must meet DOLFCU membership requirements and underwriting standards to qualify. Loan application subject to credit approval. Rates may vary based on individual creditworthiness. Other restrictions may apply. For a limited-time, we’re offering cash off closing costs as follows: $1,000 off on balances of $0-$250,000; $2,000 off balances of $250,001-$350,000; and $2,500 off balances over $350,001. Members must be enrolled in It’s Me 247 Online Banking and e-statements. All accounts must be in good standing to receive cash back. We reserve the right to retain incentive dollars if loan is closed, paid off or refinanced elsewhere within the first two years. Limited-time offer. Terms and conditions subject to change without notice. Contact us for details.
Already Have a Mortgage through DOLFCU?
3 $1500 cash back for members enrolled in It’s Me 247 Online Banking, e-statements, mobile banking, maintain a checking account and have at least one recurring direct deposit. All accounts must be in good standing to receive cash back.Terms and conditions subject to change without notice. Contact us for details. DOLFCU is an Equal Opportunity Lender.
Have you heard about our new HELOC options?
DOLFCU’s New Home Equity Line of Credit (HELOC) options are 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 with a open ended line of credit secured by real property.
Check out our competitive rates!
Interest Only HELOC
|Draw Period 10 YearsPayback Period 15 Years|
|Payment||Draw Period – Interest OnlyPayback Period – Amortized During the Payback Period|
|Floor/Ceiling Rate||3.25% / 18%|
|Required Documentation||*Verification of Income (2 Years Tax Return if Self ‐Employed)*Current Mortgage Statement*Homeowner’s Insurance
Req. Closing Docs
5 Year Adjustable HELOC
1-Time Rate Adjustment – 1% Payment
|Terms||Draw Period 5 Years Payback Period 10 Years|
|Payment||Draw Period – 1% of outstanding balance at the time of the last draw. DuringPayback Period – 1% of the balance at the time the end of the draw period. Balloon Payment could occur.|
|Floor/Ceiling Rate||3.25% / 18%|
|Required Documentation||*Verification of Income (2 Years Tax Return if Self ‐Employed)
* Current Mortgage Statement
Req. Closing Docs
Check out our competitive rates!
*Prime Rate as published in the Wall Street Journal the first business day of each month. As of May 31, 2022, the Prime Rate is 4.00%. 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 3.25% 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. Borrower responsible for remainder of closing costs which generally range between $175-$2150, 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. Payment example: 5-year Adjustable HELOC balance $50,000 payment $500/monthly. Interest only HELOC for $50,000 at 3.25% payment during the draw period is $138.00. 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 located in Maryland, DC and Virginia only. 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.
Do you still have questions about our HELOC loans? Visit a DOLFCU branch or speak with a Loan Advisor by calling (202)789-2901 option 3.
Now is a great time to transfer your higher-rate balances to 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! Pay off your higher rate debts and save money today! Apply ONLINE and start taking advantage of:
- 1.99% APR1 on balance transfers for 6 months! After 6 months, the APR you qualify for, based on your credit, currently between 8.99-17.99%, will apply.
- Credit lines up to $25,000.
- No annual fee, no balance transfer fee, and no cash advance fees.
- No fees2 and same low APR on both cash advances and purchases!
- FREE online and mobile access.
- Rewards from travel to gift cards to merchandise & beyond!
1 1.99% Promotional APR applies to balance transfers for 6 months from the date your first transfer posts to your account. Your current APR, between 8.99%-17.99% APR, will apply to any other transactions and any transfer balances remaining when the promotional period expires. Interest on balance transfers begins to accrue immediately. Loan approval and processing is based on standard loan underwriting guidelines. Certain restrictions apply, contact us for details. Equal Opportunity Lender. Offer available for a limited time only and subject to change without notice.2 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, 2021
The MORE you use your card, the MORE you earn!
Our new ScoreCard Rewards! is a simple, easy to use program that lets you earn points when you use your rewards card. Featuring twice as many items, from groceries to utility bills and merchandise, your everyday purchases will really pay off. ScoreCard Rewards offers you the freedom to choose the rewards you really want. How and when you use your points is up to you!
Cardholders will need to register and create an account using their 16-digit credit card number. For member protection, please make sure to add your primary email address and mobile phone number to verify your identity when you create a new rewards account. Please note, unredeemed rewards on your account will not be available for view or transactions, as it may take up to 30 days to reflect on your new rewards account but rest assured they will be added to your new account and you will continue to earn bonus points on your purchases!
Hundreds of Reward Options with ScoreCard Rewards
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.
The more you use your the more you earn, and you’ll build your point balance quickly. Earn 1 point for every $1 in credit card signature purchases. It’s that simple.
- $1 Spent = 1 Reward Point
There’s no limit to how many points you can earn.
Call 1-800-854-0790 to redeem your rewards on the telephone.
Top-shelf merchandise including cameras, tablets, gaming consoles and more from brands such as Apple®, Sony®, Bose®, Dyson® with shipping options that include a one- or two-day delivery time.
Spontaneous or planned, however you choose to travel; Scorecard 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. Traveling by car? Members can redeem loyalty points for instant discounts on fuel at participating BP® and Shell® stations, right at the gas pump.
Usage of points to purchase actual shares of stock in publicly traded companies.
Gift cards from retailers for everyday purchases or to celebrate special events.
From skydiving to a relaxing spa massage, ScoreCard Rewards has the experience to fit your unique lifestyle. Redemptions for tickets to theater, concerts, and sporting events also included.
Donation of points for a good cause to one of the more than 1.2M non-profit organizations involved in the network’s Charitable Giving program.
*To create a ScoreCard Rewards account members will need their 16-digit card number to register. Also, for member protection, please make sure to add your primary email address and mobile phone number to verify your identity when you create a new rewards account. Please note, unredeemed rewards on your account will not be available for view or transactions, as it may take up to 30 days to reflect on your new rewards account.
PIN Change / Card Activation
During business hours, report a lost/stolen card:
(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:
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|
|Returned Payment Fee||Up to $28.00|
|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 November 1, 2020. 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 one or more days late in making a payment.
Returned Payment Fee: $28.00 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.
It's fast and easy to apply for all types of loans with our Online Loan Applications.