A Credit Union Exclusive - You pay no monthly or quarterly service charges on credit union accounts. All share (savings) accounts are insured up to $250,000.00 by the National Credit Union Administration (NCUA). Direct Deposit is available for all share (savings) accounts and share draft (checking) accounts.
WE 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 your 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 and trustworthy. Contact one of our mortgage specialists today to find out how we can help secure a mortgage loan to meet your needs.
Contact Connie Perry (NMLS # 636858), Rachel Effa (NMLS# 809401), or Brandy Watson (NMLS# 1577945) for more information.
Share Account Products
Dividends accrue daily (from time of deposit until time of withdrawal) & are compounded quarterly. These accounts may be opened with a $5.00 deposit.
Share Certificate Accounts
Earn quarterly dividends at a higher rate if held to maturity. Minimum deposits required. Penalty of 90-days dividends for early withdrawal.
Christmas Club Accounts
The easiest way to save for the holidays. No minimum, accrued daily dividends. The funds are transferred to your share or share draft account the first week of October each year. Withdrawals are not allowed.
Vacation Club Accounts
A club account, paying dividends, specially designed for your relaxation. Designed for the get-away vacation you are planning. Dividends accrue daily.
"S" Special Account
Designed for the member wishing to save for a special need. Dividends accrue daily.
Federally Insured by NCUA
Image courtesy of Gualberto107 at FreeDigitalPhotos.net
Share Draft Account Products
Share Draft Accounts
No minimum balance is required, but dividends accrue daily (from time of deposit until time of withdrawal) on a balance of $500.00 or more, & are compounded monthly. No monthly service charges.
Instant Cash/Check Cards
Available to eligible members, daily dollar limits will apply with appropriate fees. Click here to search for surcharge free ATMs in Columbus & Norfolk. Select "Surcharge Free ATM" option, enter the desired address, city/state or zip code you wish to search and click "Search".
To report lost or stolen cash/check cards, please call 1-800-535-8440.
TRAVEL ADVISORY: If you are traveling out of the country, you must notify the credit union. If our cash/check card security system detects activity from out of the country, & we are not aware of yur 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.
E-statements are Available to all Virtual Branch users!
If you are currently signed up to use our Virtual Branch and want to opt-out of paper statements, you can! Simply click here to log into your Virtual Branch account, choose the "Self-Service" tab, and get your e-statement preferences setup.
Not a Virtual Branch user! No problem! Simply click here to go to the site and choose "Enroll Online" to get setup. If you have questions, contact a Member Service Representative for assistance.
Online Bill Pay
If you are currently signed up to use our Virtual Branch, you also have access to Online Bill Pay. Go to the Virtual Branch, login, and click on the "Bill Pay" tab at the top. If you are not currently signed up for Virtual Branch, click on the link above and choose "Enroll Online" to get setup. Contact a Member Service Representative for assistance.
Image courtesy of Stuart Miles at FreeDigitalPhotos.net
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 & the loan balance on items directly related to the purchase of the vehicle. GAP is low-cost coverage for a potentially high expense. Ask your loan officer about GAP today!
Route 66 Extended Warranty
Getting an auto loan is about more than just the right rate. It's also about having the right protection.
Route 66 Extended Warranty helps pay for covered repairs on your car when that unexpected breakdown occurs. For a few dollars a month, you can protect your vehicle and your finances from expenses that could total hundreds or even thousands of dollars!
Contact us today for more information or a quote on a Route 66 Extended Warranty!
TruStage Insurance Program
You trust Dale Employees Federal 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 /TruStage Insurance Program.
TruStage is the property and casualty coverage solution preferred by the most credit unions and their members.
Convenient e-service, pay your bill or make changes to your policy, even report a claim.
Receive fast, easy access to claims service 24-hours a day.
Obtain a free, no obligation quote or locate an agent at the local Libety Mututal sales office.
Click here to go to their site for more information. The TrusStage 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.
Visa Gift Card
Each card costs $3.00 to purchase. Can be purchased for up to $1,000.00 and are non-reloadable. There are multiple designs to choose from.
DEFCU Visa Credit Card
Click here for more information.