A DCTFCU Personal Loan has a fixed-rate based on the length of the term, loan amount and the borrower’s credit worthiness. The only collateral you need for a personal loan is your signature. (You may also know of this type of loan as a “Signature Loan”.) A personal loan is ideal for a one-time purchase or a short-term project. The entire loan amount will be issued to you when the loan is disbursed, and interest will be charged only on the declining balance. Your monthly payments will be the same each month.
The DCTFCU QuickSilver Line of Credit provides you with a reserve of funds to use anytime you need it. You can access the funds simply by writing a check. Best of all, it costs you nothing to open a QuickSilver account. You’ll only pay interest on the funds you use.
Your QuickSilver line of credit will be there when you need it for:
Credit limits for QuickSilver range from $500 to $7500 with no annual fee or transaction fees.
We’ll convert your share draft checking account to a QuickSilver account to give you access to your line of credit. As with your regular share draft checking, each time you write a check you’ll make a carbonless copy for your records. If you like, you can authorize a joint user, whose name will appear with yours on the checks.
QuickSilver allows you to keep your payments low by spreading them out over 24 months. Automatic payments through payroll deduction are required. QuickSilver comes with overdraft protection. However, you may also arrange to have an advance transferred to your checking account.
To be eligible for QuickSilver, you must have had a share draft account in good standing for at least 6 months and must have a good credit rating.
Recognizing a Good Loan
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Monday and Thursday from 10AM until 4:30PM. Friday from 10AM until 5:30PM.
The branch closes from 11AM – Noon for lunch and closed Tuesday and Wednesday.