PO BOX 6048
Dearborn, MI 48121

Phone 1-888-336-2700

Notable Rates APY Vs.Others
Savings 0.05% 1.90% →
1-Year CD 1.50% 1.90% →
2-Year CD 1.60% 1.95% →
5-Year CD 0.85% 2.00% →
30-Year Mortgage 3.88% 3.14% →
15-Year Mortgage 3.43% 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

Dfcu Financial is an NCUA insured institution located in Dearborn, MI. It was founded in 1936 and has approximately $4830.5 millions in assets.

Who can join?

If you live, work, worship or attend school in Michigan’s lower peninsula, you can become a member of DFCU Financial.

To open a checking account, you will need to fund it with at least $20. To open a savings account, you only need $5. Or, you can start a loan application online now and join at your closing.

We also have special, age-appropriate accounts for kids and teens because it’s never too early to learn about money management.

* Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

NCUA Insured Yes
Charter Number # # 61844
Date Established 1936
Assets $4,830.50 million
Loans $1,031.00 million
Deposits $4,110.48 million
Capital $635.78 million

Field of Membership Restrictions

Membership in DFCU Financial is open to anyone through membership in The Henry Ford Museum ($60 annual fee). Membership is also open to those who live, work, attend school or worship in Michigan's lower peninsula.

Deposit Rates - April 7, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.30% $1,000 $24,999 Learn MoreShow Less
3 Mo CD
0.50% $100,000 - Learn MoreShow Less
0.40% $1,000 $24,999 Learn MoreShow Less
6 Mo CD
0.75% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $1 - Learn MoreShow Less
Fixed IRA
0.50% $1,000 $24,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $2,499 Learn MoreShow Less
Int Ckg
0.05% $2,500 $9,999 Learn MoreShow Less

Loan Rates - April 7, 2020

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 3.74% 3.74% $735.21
4 Year 3.74% 3.74% $561.57
5 Year 3.74% 3.74% $457.49
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


Below are Dfcu Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Dfcu Financial Locations

Financial Details

Dfcu Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Dfcu Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Dfcu Financial U.S. Average
1.56% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Dfcu Financial had $9,796,804 in non-current loans and $236,308 in owned assets. To cover these potential losses it had $635,780,551 in net worth and $7,666,085 in loans loss reserves. That gives it a Texas Ratio of 1.56%.

Net Worth
Dfcu Financial U.S. Average
13.16% 13.86%

Dfcu Financial FCU has a net worth of 13.16% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Dfcu Financial

Branches and Savings

What is Dfcu Financial?

A federal credit union, registered with the NCUA under certificate #61844.
Learn more about credit unions here.

Is Dfcu Financial FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Dfcu Financial?

Please see Field of Membership information above for information on who is eligible to join.

What are Dfcu Financial's share account and share certificate rates?

Dfcu Financial's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Dfcu Financial?

Dfcu Financial has total capital of $635.78 million. Full information on Dfcu Financial's financial position is located above.

Who owns Dfcu Financial?

Credit Unions are owned by their members.

Where are Dfcu Financial branches located?

See branch locations nearby.

Are Dfcu Financial ATMs Open 24/7?

Do Dfcu Financial ATMs accept cash deposits?

Can Dfcu Financial customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Dfcu Financial have a mobile app?

Does Dfcu Financial have mobile deposit?

Does Dfcu Financial have quick pay?

How can Dfcu Financial transfer money to other banks or credit unions?

Does Dfcu Financial report to credit bureaus?

Does Dfcu Financial use Chexsystems?

Does Dfcu Financial use Equifax?

What is Dfcu Financial's toll free phone number?

What is Dfcu Financial's ACH Routing Number?

What is Dfcu Financial's SWIFT code?

Where can I find Dfcu Financial's wire transfer form?

What is the Dfcu Financial address for deposits?

What Products Does Dfcu Financial Offer

Does Dfcu Financial offer mortgages?

Compare mortgage rates here.

Does Dfcu Financial offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Dfcu Financial offer auto and RV loans?

Compare auto loan rates here.

Does Dfcu Financial offer student loans or personal loans?

Compare personal loan rates here.

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