Start the New Year Fi$cally Fit!
Manage your money effectively.
Gain financial confidence.
Make the decision to become more financially fit this year. Whether you need a little extra cash to help pay your remaining holiday bills, consolidate your debt, stash your cash and earn interest in a Certificate of Deposit or savings account earning interest, or want to go on Spring Break vacation, DCU has the right option for you.
With our specials for Skip-A-Payment, HO-liday Unsecured Loan, New Year CD, Seasonal Savings Account, and Holiday Savings Account, we’ll help with your budget by saving you money and time so you can reach your short-term and long-term financial goals.
HURRY these deals end January 15th, 2018.
After the holidays, Members wish they could take the money reserved for their monthly DCU loan payment and use it for other purposes. Our Holiday Skip-A-Payment can let you do just that!
By participating in this program, you can skip a payment on your DCU loan* this December 2017 or January 2018 for a low processing fee of just $45 per loan*. And if you have more than one loan*, you can skip the payment on each. We’ll even deduct the processing fee from your DCU savings or checking account, or add it to the balance of your loan so you don’t have to mail us any money; but if you prefer to drop off a check you can do that too.
If you make your payments via Payroll Deduction or Direct Deposit, your skipped payment will be deposited into your Share Savings Account for the month your payment is skipped. Call us or stop in one of our locations to take advantage of this program.
*Terms and Conditions: Excludes real estate loans, Overdraft Protection, credit card loans and other open-ended lines of credit loans. Diversified Credit Union reserves the right to deny this offer for any reason. Offer can change and is subject to cancellation at any time. By participating in Diversified Credit Union’s Skip-A-Pay program, you request that Diversified Credit Union defer your loan payments as indicated. You agree and understand that: 1) FINANCE CHARGES will continue to accrue at the rate provided in your original loan agreement, during and after that time; 2) deferring your payment will result in you having to pay higher total FINANCE CHARGES than if you made your payment as originally scheduled; 3) the payment deferral will extend the terms of your loan(s) and you will have to make extra payment(s) after your loan(s) would otherwise be paid off; 4) you will be required to resume your payments the following month; 5) if you carry disability or life insurance on the loan, these charges will continue to accrue; 6) a processing fee of $45.00 applies for each loan skipped; 7) this offer cannot be combined with other offers and can only be exercised once within a 12-month period; 8) If you elected GAP or Warranty coverage, the coverage will not be extended beyond the original maturity date; and 9) you are responsible to deactivate any automatic loan(s) payments you may have set up. All deferrals are subject to Diversified Credit Union approval. Your loan(s) must be current to accept this offer. Certain restrictions may apply. This offer expires 1/15/18.
Now that the season to give is over, don’t get stressed with the remaining holiday expenses. We can help with our special unsecured Holiday Loan.
Wouldn’t you rather make one low payment than pay down an assortment of high-interest credit cards after all of your holiday shopping is complete?
Apply for this special unsecured loan online and get started right now!
- 5.99% APR*
- Unsecured (no collateral required)
- 18-month repayment term
- Borrow from $2,000 up to $5,000
- 90 Day, No Pay option available
*Annual Percentage Rate (APR) is effective 11/17/17 and is subject to change without notice. All loans subject to normal credit approval. Rates may be higher depending on credit qualifiers. Maximum loan term is 18 months. Minimum loan amount is $2,000 with a maximum loan amount of $5,000. One-time loan closing fee of $35.00. Approximate monthly loan payment would be $58.23 per $1,000 borrowed at 5.99% APR for 18 months. Cannot be combined with other promotions or specials. Loan application must be received between November 17-January 15, 2018. Offer expires 1/15/18.
A Term Share Certificate (Certificate of Deposit) is great to earn a higher return on your deposited funds and put your money to work for you.
Our New Year CD, is an excellent alternative to regular savings accounts; Term Share Certificates (CDs) guarantee a fixed rate of return, making them safe, secure, and risk free.
Plus, it has a rate that’s just right to start off the new year!
- 2.018% APY*
- 36-month term
- $2,500 minimum deposit
To learn more about Term Share Certificates and how to open one, contact our member services representatives by email.
*Annual Percentage Yield (APY) is accurate as of 11/3/17 and is subject to change without notice or can be cancelled at any time. $2,500 minimum deposit required to open CD and obtain the stated APY. Membership requirements apply. Existing members must add $2,500 in new funds. Dividends are paid quarterly and at maturity. A penalty will be imposed for early withdrawal and may reduce earnings. No institutional funds permitted. Deposit products insured by the National Credit Union Administration (NCUA). Offer expires 1/15/18.
The holiday season should be a time of joy so start now and strategize your financial goals with our Seasonal Savings Account. This high yield savings account has a rate of return that helps your money grow quickly. It is an excellent way to put your money to work for you this holiday season and all throughout the year ahead.
- 1.01% APY*
- $25,000 minimum balance required
To learn more about this Seasonal Savings Account, contact our member services representatives by email.
*Annual Percentage Yield (APY) is accurate as of 11/3/17 and is subject to change without notice or can be cancelled at any time. $25,000.00 minimum balance required to obtain the stated APY and at least half of the opening deposit must be non-DCU funds. Must have an active DCU checking account. Dividends are paid monthly. A $10.00 fee is assessed each month the daily balance falls below $25,000.00. Membership requirements apply. Deposit products insured by the National Credit Union Administration (NCUA). This offer expires 1/15/18.
Don’t wait…’Tis always the season to save for the holidays in 2018!
A Holiday Savings Account is a great way to help you budget and keep on track with your savings and gift giving. You can make deposits automatically by Payroll Deduction or Direct Deposit, in person, or by transfer using online banking … all for your holiday convenience! No need to borrow for the holidays – you’ve already planned ahead!
How it works:
- Open your Holiday Savings Account with a $5 deposit.
- Contribute regularly to your account (payroll deductions or direct deposits are encouraged).
- Earn dividends every quarter.
- Starting in January and adding just $50 each month gives you $600 plus dividends at holiday time!
- The account is not automatically closed if the balance reaches zero.
How fit are your finances?
Don’t let your debt overwhelm you. If you feel you need more help, contact us for FINANCIAL FITNESS ASSESSMENT by calling or visiting a local branch. Together, we’ll review your current financial situation and find debt management techniques to reduce your debt and increase your financial fitness and start the new year off strong.