PRODUCTS

A Credit Union Exclusive - You pay no monthly or quarterly service charges on credit union accounts.  All share (savings) accounts are insured to $250,000 by the National Credit Union Administration (NCUA).  Direct Deposit is available for all share (savings) accounts, and share draft (checking)  accounts.

VISA GIFT CARDS ARE NOW AVAILABLE!!  Each card costs $2.00 to purchase.  The cards are non-reloadable and can be purchased for up to $500.00.  We have two designs to choose from.  Stop in today to get yours!!!!!

Share/Savings Accounts

Interest is paid daily (from time of deposit until time of withdrawal) and compounded quarterly.  These accounts may be opened with a 50 cent membership fee and a $5.00 deposit.

Share Certificate Accounts

Earn quarterly dividends at a higher rate if held to maturity.  Minimum deposits required (90-day dividend penalty for early withdrawal).

Share Draft/Checking Accounts

No minimum balance is required, but interest is paid daily (from time of deposit until time of withdrawal) on a balance of $250.00 or more, and compounded monthly.  First 50 share drafts (checks) are free.  No monthly service charges.

Instant Cash/Check Cards

Available to eligible members, daily dollar limits will apply with appropriate fees.  Click here for a list of free ATM's in Columbus and Norfolk.  Must have Adobe Acrobat Reader to access.  Click here to download for free.

To report lost or stolen cash cards or cash/check cards, call 1-800-535-8440.

TRAVEL ADVISORY:  If you are traveling out of the country, your must notify the credit union.  if our debit card security system detects activity from out of the country, and we are not aware of your travels, your card will be deactivated to prevent fraudulent use.  Make certain we have your current contact information on file, including a valid mobile number if you have one.

Christmas Club

The easiest way to save for the holidays.  No minimum, daily dividends.  The funds are transferred to your checking or savings account the first week in October each year.  Withdrawals are not allowed.

Vacation Club

A club account, paying dividends especially designed for your relaxation.  Designed for the get-away vacation you are planning.  Withdrawals may be made twice a year.

"S" Special Account

Designed for the member wishing to save for a special need.  One withdrawal per month only.  Dividends paid daily.

GAP Insurance  

Most cars depreciate by thousands of dollars as soon as they are purchased.  And if your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared a total loss, you will still be liable to pay the difference:  the "gap" between the insurance settlement and your loan balance.  

Guaranteed Asset Protection (GAP) is coverage that pays the difference between your primary insurer's settlement and the loan balance on items directly related to the purchase of the vehicle.  MEMBER'S CHOICE GAP is low-cost coverage for a potentially high cost expense.  

Ask your loan officer about GAP coverage today!

E-Statements are Available to all HFS Members!  

If you are currently signed up to use our Online Banking and want to opt out of paper statements, go to the HFS site and sign up for e-Statements.  If you are not currently signed up to use our Online Banking, click on the link above for Online Banking and sign up - or contact a Member Service Representative for their help!

Online Bill Pay

If you are currently signed up to use our Online Banking, you now have access to Online Bill Pay.  Go to the HFS site, login, and click on the "Bill Pay" button on the left side.  If you are not currently signed up to use our Online Banking, click on the link above for Online Banking and sign up - or contact a Member Service Representative for their help!

Business Loans and Services - A new service available to our members.  

DECU has partnered with Newtek.  If you have been thinking about starting your own business and would like details on available financing and business services through your credit union, please visit the Newtek site for more information.  For information on business loans, please press HERE.  For information on setting up electronic payments for your business through Newtek, press HERE.  

DECU Visa Credit Card

Click HERE for more information.

Visa Gift Cards

Each card costs $2.00 to purchase.  Can be purchased for up to $500.00 and are non-reloadable.  There are two designs to choose from.

MEMBERS® Auto & Homeowners Insurance Program

You trust Dale Employees Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS^® Auto and Homeowners Insurance Program.

http://www.membersautohome.com/default.aspx?contract=02600929&ICU=BBBS&utm_source=02600929&utm_medium=Link&utm_campaign=BBBS

The MEMBERS Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street , Boston , MA . The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

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