By:%20Alexandra%20Gonzalez

1
Dade County Federal Credit Union

• By Alexandra Gonzalez

2
BRIEF History

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

3
LOCATION, LOCATION, LOCATION!

• Local Bank ? Miami Gardens to Homestead
• For exact locations visit ? http//www.dcfcu.org/l
  ocations.php?viewbranches

4
Imaging ?

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

5
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

6
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

7
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.

8
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.

9
FEES

• Late Payment fee for Visa Platinum Credit Card ?
  29.00
• No Annual Fee