LOAN RATES - EFFECTIVE AS OF 01/19/2021
*Rates, terms, & conditions are subject to change without notice. Subject to credit approval based upon creditworthiness & our underwriting standards.
All rates below are our average rates. Your final rate will be based on your credit score.*
Click here for fillable PDF loan application. Or, click here for fillable PDF Quick Cash loan application. Both must be turned in with proof of income. Must have Adobe Acrobat Reader to access. Click here to download free.
To Submit An Application:
When completed, click the "EMAIL FORM" button at the top of the application.
Choose your type of email application.
If you have a desktop email application (i.e. Microsoft Outlook), select that and click "OK". A new email to DEFCU will be created with the application attached. All you need to do is add any information you would like to provide to the loan officers and then send the email.
If you have an Internet email application (i.e. Yahoo, Hotmail), select that and click "OK". You will be directed to save the completed application to your PC (Desktop is recommended location because it is easy to find). Click the "Save" button to save to PC. Then, go into your email application, and attach the file you just saved to an email to .
Contact the credit union if you have any questions.
Federally Insured by NCUA
Vehicle Loan Rates
The following rates apply to loans not totally secured by the vehicle (up to 110% NADA Retail), or the vehicle securing the loan is over 8 years old, with a minimum payment schedule:
Estimated Monthly Payment per $1000 borrowed:
Minimum Payment Schedule
*APR = Annual Percentage Rate
DEFCU Loan Products:
Mortgage Loans - for information on mortgage loans, see your local loan officers. In house loans will be on Nebraska residences only.
WE NOW OFFER SECONDARY MARKET LOANS!!!
Secondary Market Mortgage Loans
Whether you are in the market for a new home or improving a home you already own, DEFCU offers you mortgage loan products to meet all you needs. Our Mortgage Team offers you personalized, professional, and local service. As an owner of the credit union, your best interests are always in mind. DEFCU does not take the applicant's race, color, religion, national origin, sex, handicap, or familial status into consideration.
Our mortgage services include:
Low or no down payment requirements.
Conventional loans serviced through a credit union owned mortgage provider.
Low closing costs.
Potential tax deduction on interest paid.
Loan counseling by trained, professional mortgage personnel working for you.
No pre-payment penalties
We offer competitive rates, pre-qualification approvals, and great service to save you time & money. Our real estate team has earned the reputation of being efficient & trustworthy. Contact one of our mortgage specialists today to find out how we can help secure a mortgage loan to meet you needs.
Contact Mary Henke (NMLS #1490516), Rachel Effa (NMLS #809401), Dashia Ellwanger (NMLS #2040739), or Brandy Watson (NMLS #1577945) for more information.
Home Equity Line of Credit Loans (Variable Rate) - A Line of Credit loan based on the equity of your permanent Nebraska residence. Rate is based on the 6-Month T-Bill and is variable. Contact a loan officer for more information. DEFCU does not take the applicant's race, color, religion, national origin, sex, handicap, or familial status into consideration.
Minimum Line of Credit: $7500.00
Closed-End Home Equity Loans (Non-Variable Rate, Second Mortgages) - A one time, non-variable rate loan based on the equity of your permanent Nebraska residence. Rate is based on the 6-Month T-Bill. Contact a loan officer for more information. DEFCU does not take the applicant's race, color, religion, national origin, sex, handicap, or familial status into consideration.
Home Improvement Loans - Applicant must be employed by current employer for 1 year minimum and member of DEFCU for 1 year. Appraisal on property will be required. Property must be located in Nebraska. Current rate is 1.0% above current Home Equity Line of Credit rate. Contact a loan officer for more information. DEFCU does not take the applicant's race, color, religion, national origin, sex, handicap, or familial status into consideration.
Maximum Amount: $25,000.00
Maximum Term: 20 years with a minimum payment schedule
Bridge Loans - DEFCU now offers Bridge Loans. Contact a loan officer at either office for more information.
Computer Loans - Funds are available for the purchase price of a computer. The maximum loan amount is $3,500.00 for a maximum term of 36 months. Current rate is 6.0% APR*. The estimated monthly payment for $1,000.00 borrowed is $30.65; however, a minimum payment schedule applies.
Recreational Vehicle Loans - Check with a loan officer for more information.
Personal Loans - $2,000.00 or 10% of Gross Income (excluding incentive, bonus, etc.), with a maximum of $5,000.00. Current rate is 10.0% APR* for 36 months, with a minimum payment schedule.
Share Guaranteed Loans - APR* is 2.0% higher than the highest dividend rate paid on regular shares.
Share Certificate Secured Loans - APR* is 2.0% higher than the share certificate dividend rate using the same maturity date as the share certificate.
Quick Cash Loans - Need money fast? DEFCU is offering Quick Cash loans. They are a $500.00 loan plus $20.00 processing fee. The interest rate is 18.0% APR* and you have 90 days to pay off the loan. For more information, call either office.
Credit Builder Loan - Need to build or re-establish your credit rating? DEFCU wants to help! A Credit Builder Loan helps first-time borrowers, as well as those looking to re-establish their credit rating. Loan Amount: $1200.00, Loan Term: 12 months, Loan Rate: 12.0% APR*. Contact either office for more information.
HOURS & LOCATION
2718 13 St.
Columbus, NE 68601
704 W. Benjamin Ave.
Norfolk, NE 68701
Main Tel: 402-564-DALE (3253)
Main Fax: 402-562-5936
Branch Tel: 402-371-2242
Branch Fax: 402-371-2622
Monday - Friday
8:00 am to 5:00 pm
Monday - Friday
8:00 am to 4:30 pm
To Report Lost/Stolen Cash/Check Cards After Hours, Please Call: 1-800-383-8000
To Dispute Debit Card Charges, Please Call: 1-833-288-1126