Special Offers

Special Offers

Save Money with our Lower Loan Rates, Higher Savings Rates, and Low or No-Fee Services!

Don't miss out!
Check out our limited-time offers below!

MORTGAGE: Up to $3500 in Closing Cost Credits!

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!

Up to $3,500* depending on your loan balance! Start with DOLFCU and learn more about our conventional, VA and FHA mortgage options.

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?

The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience. It's easy with DOLFCU and our partner, Credit Union Mortgage Association, Inc. (CUMA).

First Time Home Buyers

Get up to 100% financing1 & earn thousands in cash rewards.2 PLUS, earn up to an additional $1500 in closing costs.3 Learn more about our First Time Homebuyer Program.

Online Mortgage Center

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. Access our Online Mortgage Center where you can:

First mortgage loans are available through conventional, FHA and VA programs. You may choose from a variety of fixed and adjustable rate repayment options. Click here for the latest mortgage rates.

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!

1 Must meet DOLFCU membership requirements and underwriting standards to qualify. Loan application subject to credit approval. Rates may vary based on individual creditworthiness. Refinancings ineligible. Other restrictions may apply.

2 To be eligible for cash rewards, members must register with HomeAdvantage. For details see: https://cumortgage.mycuhomeadvantage.com/

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.

HELOC: Make Home Even Sweeter!

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 Loans@DOLFCU.org or call (202) 789-2901, ext 3 for additional details. DOLFCU is an Equal Opportunity Lender.

AUTO: No Payments for 90 Days & $150 Cash Back!

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!1

Have 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 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.

MASTERCARD: 1.99% APR on Balance Transfers for 6 Months!

DOLFCU's MasterCard®

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.

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.

Sign in or Register today!


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:


  • 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 http://www.consumerfinance.gov/learnmore.
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.

REFERALS: Get up to $550!

Refer your Co-Workers, Friends & Family
& Get Up to $550.*

Share the benefits of a DOLFCU Membership!

DOLFCU offers a wide variety of services, designed with you in mind! From savings and checking, to virtually every type of loan, you’ll find this credit union is a great place to take care of your financial needs. AND, access to your account is a snap! Online banking, ATMs, direct deposit, audio response, mobile banking/deposit and more, provide the convenience you need for your busy lifestyle.

Now is the perfect time to encourage your family members and co-workers to take advantage of credit union membership.

With our Referral Program, you'll both get $50* (in the form of a deposit applied to your DOLFCU savings account) when the new member, referred by you, opens both a savings and checking account. You may refer up to 11 people.

Membership benefits & services have never been better!

Simply provide the email addresses of co-workers, friends, or family members and we'll invite them to experience the benefits of DOLFCU membership. Don't worry, we won't spam them!

*To qualify, referring member must be at least 18 years old and not in arrears on any DOLFCU account. New members must be new to DOLFCU, qualify for membership, open a savings account and checking account and provide acceptable identification documentation. Referral must be documented at open of new account. As of 2/1/2021, Annual Percentage Yield for savings account is .05% and requires minimum $5.00 deposit. Awards deposited into savings accounts of eligible members 30 days after new account opening. New accounts must stay open and be in good standing for at least six months or risk DOLFCU retaining incentive payout on either account. New members are limited to one award ($50) which is subject to income tax reporting. Referring member is limited to 11 awards ($550). DOLFCU reserves the right to restrict or retain incentive for accounts opened fraudulently or for fraudulent purpose and to end this program at any time. Terms are subject to change without notice. New account with referral must be opened by 12/31/2021 to qualify.

JOIN: Earn Up To $200!

Take Advantage of
Our New Member Incentives!

Join DOLFCU today & earn up to $200!1

Set up Direct Deposit,2
receive $100.

Use your Debit Card 10 times,3
receive $100.

See for yourself why DOLFCU is better than a bank! If you're an Employee, Retiree, Immediate Family Member*, or the Spouse of a deceased member of one of our Eligible Organizations, it's quick and easy to open an account and start enjoying all the advantages of the "Credit Union Difference" today!

A membership with DOLFCU can help you improve your financial well-being:

  • FREE Checking with No Minimum Balance & No Per Check Fees
    Loans of any kind with Competitive Rates
  • FREE "No Fee" ATM Network
  • FREE ATM Deposit Network
  • FREE Financial Seminars
  • FREE Online Loan & Savings/Investment Calculators
  • FREE Debit Card & Online Account Access with Internet HOME Banking
  • FREE Local & National CO-OP Shared Branch locations
  • FREE Accidental Death & Dismemberment Insurance
  • Managed Credit Program for those with less than perfect credit
  • Special Holiday & Vacation Savings Club Accounts
  • Share Certificates, Money Market Accounts & IRAs
  • Money Orders, Western Union & Wire Transfers
  • Friendly, personalized service
  • Deposits Federally Insured To An Aggregate Of $250,000 By NCUA

Apply Online Now!

You can complete the entire DOLFCU membership process right away online. Simply "Fill Out An Application" and submit your request for membership through our secure Application Portal, 24 hours a day.

Apply In-Person, Via Email or by Fax at your convenience.

You may also DOWNLOAD the Membership Application Packet and disclosures now. Complete and return the membership application to one of our DOLFCU Branches Locations or email the forms to MemberServices@DOLFCU.org. You may also fax your completed information to us at (202) 408-8253.

Your signature, a copy of a state-issued Driver’s License or Other Identifying Documentation**, and the initial $5.00 share deposit are required to complete your membership request. Upon receipt of your application, a Member Services Representative will review your request and contact you shortly to complete your membership process. Remember, the sooner you join, the sooner you can start to enjoy the benefits of your Credit Union.

If you have any questions regarding your membership application, please contact us at (202) 789-2901 or email MemberServices@DOLFCU.org.

You can also obtain more information or join DOLFCU by

* Must be new to DOLFCU, qualify for membership, open a savings account (minimum $5.00 deposit required) and checking account (no minimum required deposit for Basic Checking) and provide acceptable identification documentation. Annual Percentage Yield for savings is .05% as of 4/1/2021. Award(s) deposited to savings 30 days after open if requirements (1) and (2) below met. Accounts must remain open and in good standing for at least six months from open date. New members are limited to 1 $100 award for qualifying direct deposit and 1 $100 award for qualifying debit transactions. Awards subject to income tax reporting. Account must be opened by 12/31/2021. DOLFCU reserves the right to end this program at any time and terms are subject to change without notice.

2 $500 minimum amount for recurring Direct Deposit must be completed within 45 days of account open. We accept direct deposit of all payrolls, including Social Security, Civil Service and Military Retirement Benefits.

3 10 transactions must be posted within 60 days of card’s issuance date.

*Immediate Family Member eligibility is limited to spouse, child, sibling, parent, grandparent or grandchild. For the purposes of this definition, Immediate Family Member includes stepparents, stepchildren, stepsiblings, and adoptive relationships. Household is defined as persons living in the same residence maintaining a single economic unit.

**To help the government fight the funding of terrorism and money laundering activities, when opening a new account, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We also ask to see your driver's license or other identifying documents.