Shop locally and shop safely this holiday season!

Shop Local, Earn 2x Rewards Points!

Shop Maryland for the Holidays!

From November 1 - December 31, 2020 earn double points when you Shop Local and use your DOLFCU Mastercard with Rewards!* Boost your points with everyday purchases like gas and groceries... as well as holiday shopping and celebrating.

Watch your points add up to your favorite reward! Use your points to redeem rewards in categories including:

  • Gift Cards
  • Merchandise
  • Travel
  • Much More.

Sign in to browse rewards and make your wish list!

Don't have a DOLFCU Credit Card?

Apply ONLINE and start taking advantage of:

  • 1.99% APR1 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 through our Online Banking App.
  • Rewards from travel to gift cards to merchandise & beyond!

* 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.

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.

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.)


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 April 21, 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 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.