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Financial Information & Education

3 Ways to Reduce Back to School Spending

Most children get excited about shopping for brand new clothes, shoes, and supplies before school starts each year, but back to school shopping doesn’t have to break the bank. Here are three ways to help prevent the financial stress of preparing to send your child back to school.

3 Reasons to Choose a Local Mortgage Lender

Buying a home is likely one of the largest purchases most people will make in their lifetime. Selecting the right mortgage lender involves more than just getting a good interest rate. You want to choose a lender that is accessible and has your best interest in mind.

5 Affordable Ways to Make the Most of Summer

As summer approaches, many families experience a similar dilemma: finding engaging activities that are also budget-friendly. Here are a few low-cost options that could help reduce the stress of creating a summer filled with fun.

Use Your DCCU Credit Card to Maximize Your Travel Experience

Whether you are getting ready to go on the adventure of a lifetime or traveling to visit family out of town, we want you to feel confident when you travel. Take advantage of the travel-related benefits and protection DCCU credit cards offer!

Community Matters to DCCU

DCCU has deep roots in the community and giving back has become an integral part of our culture. Our goal is to be a consistent supporter in the community and continue the DCCU tradition of giving back.

Boost Your Savings with a Certificate

A certificate is a savings account with a specified interest rate, a fixed maturity date, and term lengths that typically range from six months to five years. Most certificates offer interest rates that are higher than traditional savings and money market accounts. Upon maturity, the principal balance plus interest earned is available for withdrawal.

Shredding to Protect Your Identity

Identity theft can happen to anyone. It occurs when someone falsely uses your name and personal information to get a loan, open a credit card, or access your financial account(s). Shredding, the process of reducing documents to small, unreadable pieces, is an easy way to decrease the chances of your personal information being stolen and used for fraudulent activity.

Simplify Your Finances with a Balance Transfer

If you carry balances on several credit cards, a balance transfer credit card may be a good option for consolidating debt and simplifying your finances. It could also help you reduce debt more quickly by allowing you to focus on one payment instead of many.

Home Equity Can Provide Financial Flexibility

When it comes to borrowing money for the things you need, using the equity in your home is an often overlooked option that can help provide financial flexibility. Equity is the difference between the appraised value of your home and what you owe on your mortgage. When you take out a Home Equity Line of Credit (HELOC) or a Home Equity Loan, you are borrowing against that equity.

Car Buying Costs that are Often Overlooked

When it comes to buying a car, there is more to consider than just the sticker price and payment. As you begin your car-buying journey, it is important to be aware of these often overlooked costs.

Boost Your Home's Value

With warmer temperatures right around the corner, it’s a good time to start thinking about home improvement projects you could tackle this spring. A HELOC (Home Equity Line of Credit) is a cost-effective way to pay for some of the larger projects you have in mind. Here are five projects that you may want to use a HELOC for this spring.

DCCU Homebuyer’s Guide: The Path to Homeownership

A home is likely one of the largest purchases you will ever make. Whether you are an experienced homebuyer, or this is your first time, the DCCU Homebuyer’s Guide will help you navigate the process and answer questions that may arise along the way. After all, a little knowledge can go a long way with helping you understand what will be coming your way.

Prepare for the Unexpected with a Home Equity Line of Credit

In a perfect world, nothing in your home would ever break, malfunction, or wear out. However, if your roof leaks, basement floods, or furnace falters, a Home Equity Line of Credit (HELOC) may be a good option for covering the cost of repair or replacement.

What to Look For in a Balance Transfer Offer

Credit card balance transfer offers allow you to move debt from one credit card to a another, often at special rates and terms that last for a limited-time. There are several points to consider before you accept a balance transfer offer.

Ways to Use Your Home's Equity

When it comes to utilizing the equity in your home, the most common use is home improvement projects, but there are also many other ways to use a Home Equity Loan or Line of Credit (HELOC).

The Benefits of Auto Loan Pre-Approval

Getting pre-approved before you start shopping for your next vehicle has many benefits. Not only does it help you secure the best interest rate possible, it also helps make sure you stay within your budget. In addition, it puts you in a stronger negotiating position at the dealership.

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