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Loan Application | Visa Application
Apply for a loan 24 hours per day, rain or shine, from the comfort of your home at your convenience!!! Click below to apply. We will call you later today or early tomorrow morning concerning the outcome of the loan. Need a Loan but don´t have the time?? We offer a complete line of application services that make getting a loan easier than ever. Apply from home or work, day or night, on the web, over the phone or in person. Whichever way you choose, we´ll get you an answer quick! Another way DCFCU is trying to keep up with your busy schedule is offering you the flexibility to apply and pickup your loan check at any of our 20 convenient Service Center Branches. They are open weekdays from 9:30 am to 7:00 pm and Saturdays 10:00 am to 2:00 pm. NOW AVAILABLE! THE STUDENT LOAN* X-FACTOR X-tra Money for School X-Package Benefits!**
The DCFCU X-Factor: Plan ahead, establish good credit, avoid fees (other institutions charge fees of 5% or higher) and have the security and convenience you deserve. Get up to $10,000 with our affordable, revolving credit Student Loan* today! Experience the X-Factor Difference! *A cosigner may be required depending on the applicant's credit and ability to pay. Upon student loan disbursement a Student VISA Card will be issued with a one-time $50 credit and $300 card limit. **To be eligible for X-Package Benefits you must be a full time student up to age 25. Call the Credit Union for rate information. 
VEHICLE LOANS We offer New and Used vehicle loans with a wide variety of terms to meet almost any need. AFTER-THE-SALE REFINANCING: Have you purchased a brand new vehicle within the last 12 months and financed it elsewhere ?? If your answer is yes, then we have a special offer for you!! Refinancing is a great way to save money by lowering your payments and better yet, we will give you our current new vehicle rate!!! Call a loan representative for more details today!! New Vehicle Rates
Used Vehicle Rates
EXPERIENCE A DIFFERENT LINE OF CREDIT LOAN THAT TRAVELS WITH YOUYou never know where you’ll be when you will need a Line-of-Credit, fast. DCFCU has a simple solution. Our new Line-of-Credit gives you the flexibility to borrow whenever an expense comes up, without applying for a new loan each time! Simply complete an easy application form to open your Line-of-Credit. As of 08/20/08 your rate could be as low as:
As you make payments on your balance, you’ll have funds available for future expenses. DCFCU’s Line-of-Credit is versatile and advances can even be made at any of our branch offices, checking account over-draft, as well as PAL@NET and ATM Machines using your DCFCU debit card. This is NOT a short-term loan special! It’s a Line-of-Credit with a great low rate that is available for as long as you want it! Open a Line-of-Credit for a new computer, a much-needed vacation, or some home improvements. Or just rest easy, knowing you have cash available if something comes up. Please call, stop by or visit www.downrivercommfcu.com for further details.*APR refers to Annual Percentage Rate. This is a Variable Rate Line-of-Credit. Your individual rate is based on your credit score and may be higher than the quoted rate. Complete rate information is available at the Credit Union. SIGNATURE LOAN
*APR refers to Annual Percentage Rate. Your individual rate is based on your credit score and may be higher than the quoted rate. Complete rate information is available at the Credit Union.
Carry the convenience of a DCFCU Visa. The only card you need to carry !!! It´s accepted worldwide by merchants and automatic cash machines (ATM) and offers all of these great features: CLASSIC VISA: New Rate (as of 6/01/01): 14.50% APR (periodic rate 1.2084%)*, NO Annual Fees, 25-day Grace Period on Purchases and $250,000 Free Travel Insurance VISA GOLD: New Rate (as of 6/01/01) : 12.99% APR (periodic rate 1.0825%)*, No Annual Fees, 25-day Grace Period on Purchases and $400,000 Free Travel Insurance. Plus these added benefits:
*method of calculating balance on purchases: average daily balance, including new purchases, and Late Payment fee of 20% of the payment amount if 15 days late. RECREATIONAL VEHICLE LOANS We can finance your next leisure vehicle at DCFCU. (Boats, travel trailers, Jet skis, snow mobiles, 3 or 4 wheelers are considered Recreational Vehicles) NEW RECREATIONAL VEHICLES: 10% DOWN
USED RECREATIONAL VEHICLES: 10% DOWN
SHARED SECURED, MONEY MARKET SECURED AND CERTIFICATE OF DEPOSIT SECURED LOANS Put your money to work for you. Members can take advantage of our low apr by borrowing against the funds they have on deposit in one of the above accounts. This is a smart way to borrow while keeping your nest egg in tact. (some restrictions apply -- contact a loan representative for more information)
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