See How Much You Can Save!

Considering a New Vehicle?

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 (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 AVAILABLE with 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 2013-2021, 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. Applications must be received by 12/31/21 for this 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 $30/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.


Personal Loan

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.


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 Rate as published in the Wall Street Journal the first business day of each month. As of November 1, 2020, the Prime Rate is 3.25%. All variable rate loans have a floor of 2.5% and max of 18% and are 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
    • $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.

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


Whether you are purchasing a new home or refinancing, DOLFCU’s got the home loan you need!

We’ve increased our cash-off closing incentives!

For a limited time, we’re offering cash off closing costs as follows:

$1,500 off on balances of $0 – $250,000
$2,500 off balances of $250,001 – $350,000
$3,500 off balances over $350,000

*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: $1,500 off on balances of $0-$250,000; $2,500 off balances of $250,001-$350,000; and $3,500 off balances over $350,000. 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.

Buying a Home?

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.


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*
  • Low monthly payments
  • Interest may be tax-deductible*
  • Only pay interest on money you borrow

Check out our competitive rates!

*Prime Rate as published in the Wall Street Journal the first business day of each month. As of November 1, 2020, the Prime Rate is 3.25%. 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 3.0% 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. 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 or call (202) 789-2901, ext 3 for additional details. DOLFCU is an Equal Opportunity Lender.


DOLFCU's MasterCard®

Now is a great time to transfer your higher-rate balances to DOLFCU’s MasterCard®!

Apply ONLINE and start taking advantage of:

  • 1.99% APR1 on balance transfers for 12 months! After 12 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 12 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, 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!

Green Products

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

Gift Cards

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:Sports

  • 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

Cash Back

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!

Charitable Donations

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.

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:
(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

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
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
Returned Payment Fee Up to $28.00
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 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 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.