DCCU Routing # 251483311
Try Our Mobile App
Do everything you can do online, plus deposit checks and use your fingerprint or Face ID for quicker access to your account.
Try Our Mobile App
Do everything you can do online, plus deposit checks and use your fingerprint or Face ID for quicker access to your account.
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Register HereAll DCCU locations and our Call Center will be closed Thursday, January 1, 2026, in observance of New Year's Day.
LIMITED-TIME OFFER
Now is the time to leave your high-interest debt behind and reset your debt with DCCU Credit Card!
Transfer balances from any non-DCCU loans and credit cards to your DCCU Credit Card and lock in rates as low as 2.99% APR until you pay it off! (3% balance transfer fee, $150 max per transfer) With no payoff deadline, you can take a long as you need to pay off the debt you transfer, giving you peace of mind knowing your debt is under control!
Already have a personal DCCU Credit Card?
The easiest way to make a balance transfer is in Online Banking or on the Mobile App.
Don't have a DCCU Credit Card?
With great rates, no annual fee, the opportunity to earn rewards points, and our loan interest rebate program – DCCU has credit cards that fit your needs and helps you earn more on everyday purchases. View card options below and apply online today!
What types of debt can I move to my DCCU Credit Card?
- Non-DCCU Credit Cards
- Store Credit Cards (i.e. Lowe's, Best Buy)
- Buy Now, Pay Later balances (i.e. Affirm, Klarna)
- Any existing debt (medical bills, tax bills)
Promotional rate range is 2.99%-11.99% APR. Offer valid on balance transfers from other financial institutions processed between 01/01/2026 - 02/28/2026. The rate will be in effect until the transferred balance is paid in full. The standard variable balance transfer/cash advance rate is 15.49% - 26.49% APR. The standard variable purchase rate is 11.49% - 22.49% APR. Balance transfer fee is 3% of the amount of each transfer ($3 minimum, $150 maximum of the amount of each transfer). Other fees may apply - Cash Advance 3%, Foreign Transaction 1% (any transaction processed outside of the U.S.). Rates accurate as of 01/01/2026 and subject to change. Offers of credit and rates subject to creditworthiness. Membership required. For complete terms visit mydccu.com/creditcard.
Features & Benefits of a DCCU Credit Card
Why are you looking for a Credit Card? I want:
Which intro offer is more appealing?
What kind of rewards would be most beneficial to you?
How is your credit score?
We recommend:
Credit Card Options
Mastercard World
%%mc-world.low%% - %%mc-world.high%% APR ⓘStandard variable purchase/cash advance rate
Up to 5X points from select merchants
Rebate Eligible ⓘEarn 10% on interest paid
Redeem points for gift cards, cash back, or statement credit
Limits up to $30,000
Platinum Rewards
%%mc-rewards.low%% - %%mc-rewards.high%% APR ⓘStandard variable purchase/cash advance rate
Earn 2X points on gas and groceries
Rebate Eligible ⓘEarn 10% on interest paid
Redeem points for gift cards, cash back, or statement credit
Limits up to $30,000
Platinum Cash Back
%%mc-cashback.low%% - %%mc-cashback.high%% APR ⓘStandard variable purchase/cash advance rate
Earn 1% cash back on all purchases
Rebate Eligible ⓘEarn 10% on interest paid
Cash back is automatically applied to your statement balance annually
Limits up to $30,000
Share Secure
%%mc-share-secure.low%% - %%mc-share-secure.high%% APR ⓘStandard variable purchase/cash advance rate
Build your credit
Rebate Eligible ⓘEarn 10% on interest paid
Credit is secured by money in your account
Limits up to $1,000
Business Platinum Rewards Credit Card
Using a credit card wisely to manage business cash flow and debt is easy with DCCU's Business Platinum Rewards Credit Card.
- Earn points for purchases
Earn 1 point for every dollar spent, up to 75,000 points annually.
- Redeem Points
Redeem points for merchandise, gift cards, travel, or cash.
- Variable Purchase APR: %%mc-business.low%% - 20.49%
- No Application Fee
Mastercard Benefits for All Credit Card Options
* Certain restrictions apply. For details, see the Guide to Benefits that is available for download on this page.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
How to Make a Balance Transfer
- Log in to Online Banking, click “View my Accounts,” and then select your Credit Card account t from the Loans & Credit list. If you are utilizing Mobile Banking, tap the Credit Card account on your screen.
- Once the appropriate Credit Card account has been selected, click or tap the “My Cards” section.
- Under “My Cards,” select the “Balance Transfer” option.
- Complete all fields on the form with the requested information of the balance you wish to transfer and click or tap “Next.”
- Review the information on the following screen, verifying that everything is correct. Once you’ve verified this information, please click “Submit.”
Help Me Decide
A credit card with DCCU is a great solution, whether you are building credit or have established credit history.
Belinda L.
CURRENT CARDHOLDERS
Make a Payment
Making a payment is simple and easy using Online Banking. You can transfer funds directly from your checking or savings account at DCCU or another financial institution to your Credit Card. This can be a one-time payment or recurring.
Credit Card FAQs
Send all MasterCard Credit Card payments to:
DuPont Community Credit Union
PO Box 71050
Charlotte, NC 28272-1050
Yes, you may call or visit any DCCU office to make a payment. You may also make payments using Online Banking, or via mail, using the address above.
To report a lost or stolen Credit Card, call toll-free: 866-820-5970.
Yes, be sure to contact us with the dates and places you will be traveling.
You can call toll-free: 888.918.7313. Or contact us for additional help.
Any payment of $2,500 or over will be held for three business days. Funds will become available once the hold has been released.
If the unauthorized transactions were completed with your Mastercard Platinum, contact our Cardholder Services Department at 800.449.7728. They will promptly cancel your Credit Card number and issue you a new card. Once your card has been canceled, no additional transactions can be authorized. You should receive your new card within 7-10 business days.
Contact us and we will be glad to review your credit card to assist with this issue. **If this occurs after business hours, you may also contact our Cardholder Services Department at 866.820.5970. Your card may have been placed on hold due to transactions that have been processed outside of your normal spending and threshold. Security processes will place a hold on transactions with your card until we can verify that the transactions are processed by you. This ensures that if your card was lost or stolen, additional protection is available to keep fraudulent transactions from occurring.
You make take up to 25% of the total credit card limit (Example| Credit Card limit $10,000 max cash advance will be $2,500).
Your new credit card is mailed to the address on your account 3-4 weeks prior to your current expiration date. Your current card will remain active until the last day of the month in which your card expires. If you have not received your new credit card, it may be beneficial to check your address in Online Banking (under Alerts & Settings) to ensure we have your most recent address. If you have not received your card within the time frame, contact us for assistance.
Balance Transfer FAQs
A balance transfer is the process of moving existing credit card or loan balances from one account or financial institution to another account or financial institution.
World Rewards, Platinum Rewards, and Platinum Cash Back personal credit cards are eligible for balance transfers.
Yes, there is a 3% fee per transfer, with a $150 maximum charge per transfer.
Yes, you can transfer multiple credit card or loan balances as long as you have enough available credit on your DCCU credit card.
The simplest way to transfer a balance is from within Online Banking or from our DCCU Mobile App.
A balance transfer typically takes 7-10 business days to process, but it can vary depending on the financial institutions involved.
Yes, keep making payments on your original balance until the transfer is complete to avoid late fees or penalties.
Please give us a call at 540-946-3200, and a DCCU team member will be happy to assist.
Contact Us
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365,
Waynesboro, VA 22980
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365, Waynesboro, VA 22980
© 2025 DuPont Community Credit Union