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Financial Services Offered By your Credit Union | |
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The term savings means the total amount of money in your account. The par value of each share is $50.00. Your membership begins when you open a Regular Share (savings) account. You become a shareholder of the Credit Union therefore our savings accounts are called "share Accounts."
This is another savings account offered by the Credit Union, which allows you to prepare for the Holidays. Save the whole year for these special times. This account can be open with a $5.00 minimum deposit. Funds will be disbursed to you by check around the last week of October.
Our IMMA account is another great investment offered by your credit union. The minimum deposit required for you to open your IMMA account is $2,500.00 and you must maintain this minimum balance in order to avoid the service fee stated in the fee schedule. click here for rates and fee schedule
Share Draft Account (checking)
DCFCU offers a checking account, which lets you withdraw your money and write checks against your account any time. The minimum deposit required for you to open your checking account is $100. If you maintain a minimum balance of $500 in your checking account there is no monthly service charge. See our Fee Schedule.
To meet the investment needs of each member and maximize the return on large savings dollars, DCFCU offers a variety of certificates ranging from 6 months to 5 years with a minimum deposit of $5000.00. For the various maturity and rate options see our rate schedule.
IRA Certificates - Includes Traditional, Roth & Education
An IRA (Individual Retirement Account) is a safe and sound way to save for retirement. In many cases members are able to make tax-deductible contributions to an IRA. Consult your tax advisor to see if you qualify. In addition to regular contributions, any qualified pension plan "paid out" by an employer may be rolled over into an IRA account. For the various maturity and rate options see our rate schedule.
Everything you want in a credit card DCFCU offers a VISA credit card with a low monthly interest rate, no over the limit fees, and no annual fee. Your VISA classic card comes with 25 days grace period on all your purchases before a finance charge will be imposed.
Click here to download a Credit Card Application in pdf format
Borrow against the equity in your home to finance large ticket items, such as a vehicle, home repairs, education, or additions to your home. Take advantage of DCFCU's home equity programs. The cost-effective rates and easy access to your line of credit will save you time and money.
Click here to download a home equity loan
Purchase or refinance your home through your credit union. Our relationship with CUSO Mortgage, Inc. enables us to offer a variety of programs at competitive prices.
Just click on
http://eloans.mortgagemaximum.com/default.asp?siteId=AF5BE89E-CEDA-4CBB-AB7D-AA162838BD3F
If you 're thinking of purchasing a car, truck, RV, motorcycle, or boat DCFCU can supply the financing. We realize there are many ways to finance your transportation needs. That is why we strive to provide the most efficient, economical service in the Needles area.
Click here to download a Loan Application
Secured Loans (Share or Certificate)
Use the funds in your savings or certificate of deposit as collateral to receive a lower interest rate on a loan. Your deposits still earn dividends throughout the life of your loan.
Click here to download a Loan Application
Unsecured Loans (Signature Loans)
Eligible members can borrow up to $10,000.00 from DCFCU. When an unexpected expense comes up, call your credit union. We can help you. We will accept your loan application via fax, in person or through our web site.
Click here to download a Loan Application
Car Pricing Information (Kelley Blue Book)
A member service representative is always on hand to help you price that old or new vehicle.
ACH Deposits
Through the Automated Clearing House receive recurring deposits. It's fast, convenient and efficient.
Internet Home Access (With Pay IT) Go ahead, take a test drive
Discover the electronic world of managing your finances, transferring funds and paying your bills over the World Wide Web. Best of all, home banking is available any time from anywhere in the world not just your home.
Go ahead, take a test drive https://www.netit.financial-net.com/dcfcu/
Advantages to home banking
- Make account inquires
- Verify transaction history for three months
- Obtain account details including loan payoffs, and dividends earned
- Perform what-if projections
- Transfer funds between accounts
- E-mail us with any questions you may have
- And much, much more
The Credit Union will initiate or receive faxes for its members. There is no charge for our members who receive faxed information. To initiate a fax there is a fee of $5.00.
Wire funds throughout the world through your account at DCFCU. The low transaction cost makes wiring money affordable and safe. DCFCU will initiate or receive wire transfers on money for its members to any financial institution that participates in this type of service.
Desert Communities FCU provides ATM services at our office located on the corner of 3rd and "D" Streets in Needles, California. Our ATM is designed exclusively for anyone carrying a DCFCU ATM card or a VISA credit card. The ATM machine provides cash dispenser service and you can also make deposits to your DCFCU accounts. Your ATM card can be used to make withdrawals anywhere you see the INSTANT TELLER, THE EXCHANGE, or the PLUS network symbols. Your ATM card gives you access to your accounts 24 hours a day, 7 days a week at thousands of locations.
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Travelers Cheques & Money Orders
American Express Travelers Cheques are available to all members at no cost. Cheques for Two, or Cheques that either signer can use, are also available at the low cost of $1.00 per $100. American Express Gift Cheques are also available for $2.50 per Cheque. Great for holiday, wedding, graduation, birthday and anniversary gift giving, we also offer Gift Cards $25.00--$50.00--$100.00--$200.00
DCFCU provides Credit Union Money Orders (up to a value of $1000 each) at a fee of $1.00 each.
A payroll deduction is a specified allotment designated by you to be withheld from each paycheck, and forwarded to the credit union, for deposit to savings accounts. You can even allocate funds from your payroll deduction to make deposits and payments to family accounts.
Direct Deposit of Government or Payroll Checks
Your entire net paycheck, or a specified allotment, can be electronically transferred to your credit union account. Once your funds reach the credit union, they will distribute to other savings, checking and/ or loans according to your instructions. Reduce the time you spend in line to deposit your check and sign up for direct deposit today.
DCFCU's audio response service is known as the NIGHT TELLER, Just call from any touch tone phone and you can make transaction and inquiries:
- Withdrawals from saving and checking accounts
- Up to date balance on savings, checking and loans
- Transfer between savings and checking
- Loan payments from saving and checking
- History on checking and savings account
- Immediate access to your accounts, virtually 24 hours a day, 365 days a year
You have the capability of establishing automatic transfers from checking or savings accounts to your DCFCU loans, credit card, Christmas Club Account, Insured Money Market Account, IRA Accounts and family accounts at no cost to you.
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