Dade County Federal Credit Union

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Presentation transcript:

Dade County Federal Credit Union By: Alexandra Gonzalez

To offer financial independence and security to the county employees BRIEF History Established May 1st, 1939 Why? To offer financial independence and security to the county employees

LOCATION, LOCATION, LOCATION! Local Bank  Miami Gardens to Homestead For exact locations visit  http://www.dcfcu.org/locations.php?view=branches

Imaging  The images are appealing to a customer because they are straight forward with what they want to give you

Willing and Able to Serve YOU! "Secure" Checking (with FREE ATM or Visa® Check Card) Club Accounts (Vacation, Holiday, WIN/WIN, and Dream Account) Money Management Share Certificates (CDs) IRA (Individual Retirement Account) Business Accounts CountyLine® (Revolving Line of Credit) Signature Loans (Personal Unsecured Loans) New/Used Auto (Purchase or Refinance) Specialty Vehicle Loans (Motorcycles, RVs, Personal Watercraft, etc.) Share Secured Loans (Against your Share or Certificate Account to establish or improve your credit) Residential Mortgages and Refinancing Home Equity (Fixed and Adjustable Rate) Visa® Credit Cards (Platinum Cards that earn CU Rewards points redeemable for merchandise or travel vouchers) Automatic Debit (Set dates to automatically make loan payments from your deposit accounts to ensure timely payment without worry or hassles) Privilege Pay (Overdraft protection for "Better-Than-Free" Checking) Free Online Banking Free Online Bill Pay Free Mobile Banking Tellerline24 (24-Hour Automated Telephone Banking) 24/7 Loan by Phone and Internet (Connect with a live loan officer 24/7) Vehicle Extended Warranty Coverage Credit Life and Credit Disability Insurance GAP Insurance Traveler's Checks Gift Checks Money Orders Cashier's Checks Financial Planning Direct Deposit Wire Transfers Safe Deposit Boxes (Where available; multiple sizes) Shared Services (Access your account at a variety of participating Credit Unions around the nation

Checking Account Unlimited check writing ID Safe Choice (Fraud Recovery Program) Dividends paid on average daily balance of $1000 Direct Deposit and Payroll deduction VISA® Check Card Point-of-Sale (POS) transactions Free transactions at all DCFCU ATMs Four Free transactions monthly at non-DCFCU ATMs (ATM surcharges may apply) Online Banking and Bill Pay Mobile Banking

DEBIT or CREDIT ? Worldwide Acceptance Your DCFCU Platinum is recognized and honored in business establishments and financial institutions worldwide. Low Annual Percentage Rate We offer one of the lowest Annual Percentage Rates (APR) available. Purchases will be subject to the standard APR ranging from 7.90% 17.90%. Offer subject to credit evaluation. 25-Day Grace Period You can pay off your balance in full within 25 days of your purchase to avoid any finance charges. VISA ATM Access You have 24-hour cash access at any VISA cash machine or other ATMs that display the VISA logo (a transaction fee may be charged). A computer generated Personal Identification Number (PIN) will be sent to you shortly after you receive our DCFCU Platinum Credit Card. Interest is charged from the date of the advance. Travel Accident Insurance As a DCFCU VISA Platinum card holder, you get up to $1,000,000 in free insurance coverage when you purchase a ticket on a major carrier with your DCFCU VISA Platinum card. Transfer Balances You can pay off balances from other high interest credit cards and enjoy immediate savings! And, there are no transfer fees. Periodic Credit Line Increases For your convenience, your credit line may be increased by calling us. So, as your lifestyle changes and your needs grow, so can your credit line! Simply call us and ask. CU Rewards For every purchase dollar you charge to your DCFCU VISA Platinum Card, you earn a point toward premium merchandise and exciting travel opportunities.

APR Annual Percentage Rate (APR) for purchases: 7.9%, 9.9%, 11.9%, 13.9%, 17.9% based on credit evaluation. Standard APR's Cash Advance APRs*: 7.9%, 9.9%, 11.9%, 13.9% or 17.9%, based upon credit evaluation. Balance Transfer APRs*: 7.9%, 9.9%, 11.9%, 13.9% or 17.9%, based upon credit evaluation.

$ FEES $ Late Payment fee for Visa Platinum Credit Card  $29.00 No Annual Fee