Dupont Community Credit Union Harrisonburg VA | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Dupont Community at the Dccu Branch - Kaylor Office, located at 47 W Kaylor Park Dr, Harrisonburg, VA 22801. Since our establishment in 1959, we have been dedicated to serving our community and fostering financial well-being among our members. With a proud membership of over 120,135, we strive to provide personalized services that meet the unique needs of each individual. At Dupont Community, we believe in the power of community support. Our total assets exceed $1.8 billion, reflecting our commitment to building a strong financial foundation for our members. With total deposits around $112,505,918 and a net worth of $195,204,385, we ensure that your money is safe and working for you. Our financial health is further demonstrated by having $18,648,831 in cash on hand and an impressive loan portfolio with over 61,987 loans and leases. Our leadership team is devoted to guiding our mission. Under the direction of CEO Steve Elkins and Board President Angela Simonetti, we focus on delivering exceptional banking experiences while supporting local initiatives. Whether you're looking for personal banking options like checking and savings accounts or business services such as merchant solutions and business loans, we've got you covered. For any official correspondence, please send it to our mailing address: PO Box 1365, Waynesboro, VA 22980. We invite you to visit us or reach out via phone at 540-946-3200 during our operating hours: Monday through Thursday from 9 AM to 5:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to noon (drive-thru only). Join us at Dupont Community where your financial future begins! Explore more about what we offer by visiting our website at mydccu.com. Let's build a brighter future together!

Branch History & Mission

At Dupont Community, we take pride in our rich history and our unwavering mission to serve the community of Harrisonburg, VA. Established in 1959, our branch has grown from a small credit union into a trusted financial partner for over 120,000 members. We are located at 47 W Kaylor Park Dr, right in the heart of Harrisonburg, making it easy for you to access our services. Over the years, Dupont Community has achieved significant milestones. With total assets now exceeding $1.8 billion, we have continually expanded our offerings to meet the diverse needs of our members. Our commitment to providing excellent financial services is evident through our wide range of products, including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our mission is simple yet powerful: we aim to enhance the financial well-being of our members while actively contributing to the community's growth. We believe that by supporting local initiatives and organizations, we can create a positive impact that extends beyond banking. Whether it's through partnerships with local charities or hosting community events, we strive to be more than just a credit union; we want to be a cornerstone of support for everyone in Harrisonburg. While members can visit us at 47 W Kaylor Park Dr for all their banking needs, official correspondence should be sent to PO Box 1365 in Waynesboro, VA. We offer convenient operating hours Monday through Thursday from 9 AM to 5:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM (drive-thru only) making it easier than ever for you to manage your finances. Additionally, we are proud to provide ATM availability and drive-thru banking services for added convenience. Our digital advancements ensure that you can access your accounts anytime through online and mobile banking platforms. At Dupont Community, we invite you to join us on this journey towards financial empowerment. Experience firsthand how our dedicated team can help you achieve your goals while being part of a community-focused organization. Come visit us today or explore more about membership opportunities at mydccu.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the Dupont Community branch, located at 47 W Kaylor Park Dr in Harrisonburg, VA! Our convenient location makes it easy for you to access all the banking services you need. Whether you're stopping by to open an account, apply for a loan, or simply have a question, our friendly team is here to help. For those visiting us, you'll find ample parking available right outside our branch. We also take pride in being accessible to everyone, with ADA-compliant features that ensure all members can navigate our space comfortably. If you're in the area, we're just a stone's throw away from popular local spots, making it simple to combine your banking needs with errands or leisure activities. Our operating hours are designed with your busy schedule in mind. We're open Monday through Thursday from 9 AM to 5:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM though on Saturdays, we offer drive-thru services only. This flexibility allows you to visit us at a time that works best for you. In addition to our welcoming atmosphere, we're equipped with an ATM for quick cash withdrawals and basic transactions. If you prefer the convenience of drive-thru banking, we have that option too! Our team is ready to assist you with deposits, withdrawals, and simple transactions without leaving your car. While members can visit us at our branch address, official correspondence should be sent to our mailing address at PO Box 1365 in Waynesboro, VA. Ready to experience personalized service? Don't hesitate to give us a call at 540-946-3200 or stop by today! We look forward to serving you at Dupont Community.

Member Eligibility

Joining the Dupont Community community is like becoming part of a family that genuinely cares about your financial well-being. If you're looking to become a member, you'll be glad to know that eligibility is designed to be inclusive and welcoming. Generally, anyone who lives, works, worships, or attends school in the areas we serve can join us. This means that whether you're a long-time resident or new to the community, there's a good chance you qualify! Plus, as a member of Dupont Community, you'll enjoy a range of benefits including personalized service, competitive rates on loans and savings accounts, and access to a variety of financial products tailored just for you. To get started with your membership journey at Dupont Community, simply check out our detailed eligibility criteria at http://www.mydccu.com/connect/become-a-member. It's easy to understand and laid out clearly for you. Once you've confirmed your eligibility, opening an account is straightforward! You can call us at (540) 946-3200 if you have any questions or need assistance along the way. We're here for you every step of the way as you take this exciting step towards better financial health!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $345 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $218,455,081, we continue to drive economic growth by financing new and expanding businesses. Imagine having the capital to purchase new equipment, hire staff, or expand your operations. Our member-focused approach means you get personalized service that aligns with your goals.

Merchant Services That Matter

In addition to loans, we provide essential merchant services that simplify everyday transactions for your business. Whether you're processing payments online or at a physical location, our services ensure you can accept various payment methods easily. This convenience not only enhances customer satisfaction but also boosts your bottom line. Located at 47 W Kaylor Park Dr Harrisonburg Va 22801 in Harrisonburg, VA, we're here to help you navigate the financial aspects of running your business. Contact us at (540) 946-3200 to learn more about how our business banking solutions can support your success!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive business banking services, including merchant services and business loans. We know running a business comes with its own set of challenges, which is why our team is committed to supporting local entrepreneurs with flexible financing options tailored to their unique needs.

Credit Options for Every Need

In addition to home loans, we provide personal loans and debt consolidation services to help you manage existing debts effectively. Our credit cards with rewards are designed to give back every time you use them, ensuring that your everyday purchases are more rewarding.

Drive-Thru & ATM Services

For those quick transactions, our basic drive-thru banking allows you to make deposits and withdrawals without leaving your car. Our ATMs are readily available for cash withdrawals and balance checks whenever you need them. At Dupont Community in Harrisonburg, VA, we aim to provide financial solutions that fit seamlessly into your life. Whether you're opening an account or applying for a loan, we're here to assist you along the way. If you're interested in learning more about how we can help meet your financial needs or if you're ready to become a member, don't hesitate to reach out! Call us today at 540-946-3200, or visit us online at mydccu.com. Your journey towards smarter banking starts here!

Online & Mobile Banking Convenience

We recognize the importance of convenience in today's fast-paced world. That's why at Dupont Community, we offer robust online and mobile banking features. You can easily access your accounts anytime, anywhere whether you're checking balances, transferring funds, or managing payments all from your smartphone or computer. Plus, with our ATM and cash withdrawal services available 24/7, accessing your money has never been easier.

Personal Banking Services

Whether you're looking to open a checking account or save for future goals, our personal banking services have you covered. Imagine having a checking account that helps you manage your daily expenses effortlessly. With our savings accounts, you can set aside funds for that dream vacation or emergency fund. We also offer auto loans and vehicle financing options, making it easier for you to drive away in a new car without the hassle of complicated financing. If homeownership is on your mind, our mortgage loans and refinancing options can help turn that dream into reality. We understand that buying a home is one of the most significant investments you'll make, so we're here to guide you through the process every step of the way.

Digital & Online Banking

Convenient Features

We know that convenience is key in today's fast-paced world. That's why we offer electronic signature authorization, allowing you to sign documents digitally without any hassle. Our e-statements provide an eco-friendly way to keep track of your transactions without the clutter of paper statements. And if you're always on the move, our mobile application makes it simple to manage your accounts directly from your smartphone.

Easy Transactions

Need to send money quickly? Our person-to-person transfers let you send money to friends or family instantly no checks or cash needed! Plus, with our mobile payments feature, you can make purchases using just your phone. Whether you're buying groceries or paying for dinner, it's all done in a flash. At Dupont Community, we prioritize security and ease of use. Our digital services are designed to protect your information while providing a user-friendly experience. Join us today and discover how effortless managing your finances can be!

Online Banking Services

Our online banking platform, accessible through https://www.mydccu.com/, offers a range of features designed to make your banking experience as smooth as possible. You can check your balance, transfer funds, and pay bills all with just a few clicks. Plus, our 24/7 online banking services mean you can access your account whenever you need to.

Financial Strength

Growing Member Base

We have a strong member base with a total of 251,104 share accounts. This growing trust from our community underlines our reliability as a financial institution. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Dupont Community is your trusted partner. Visit us at 47 W Kaylor Park Dr Harrisonburg Va 22801 or call (540) 946-3200 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Members' savings are secured through $410,472,200 in share certificates and $338,475,394 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $3,762,324 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 335 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Our Community

With $189,675,410 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to your financial well-being extends to our lending capacity; with $7,725 in used auto loans and $1,146,134,674 in total loans and leases, we support your financial goals across various sectors.

Strong Financial Health

With a net worth of $195,204,385, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,067 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $111,583,367 in used vehicle loans and $33,112,643 in new vehicle loans already helping members get on the road. Whether you're purchasing a new or used vehicle, we have financing options that work for you.

Credit Lines and Business Loans

For those interested in expanding their business or managing expenses more efficiently, our total credit lines amount to $747,607,453. Additionally, we have outstanding commercial loans totaling $218,455,081 available for business owners seeking capital for growth. No matter what kind of loan you need whether it's an auto loan to get on the road or a mortgage to secure your future Dupont Community is dedicated to providing you with the best possible service and options. For more information about our loan offerings or if you're interested in applying for a loan today, please visit our website or call us directly at 540-946-3200. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $106,750,247. If you're looking to refinance your current mortgage or are interested in eligibility options, we can assist you with that as well.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $99,645,346 in loans helping members manage their finances effectively, our credit card products come with competitive rates and rewards that enhance your spending power.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This transparency ensures that users can make informed choices without the confusion often associated with loan shopping. LendMesh guarantees accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to accuracy means users receive fair and transparent offers tailored to their needs. One of the standout features of LendMesh is its focus on verified data. Loan offers come exclusively from legitimate financial institutions, ensuring that users can trust the information they receive. Moreover, LendMesh does not prioritize lenders based on paid promotions. This means that users get unbiased results without hidden agendas influencing which loans appear first. Real-time rate comparisons are another significant benefit of using LendMesh. Users have access to up-to-date loan rates from multiple institutions at their fingertips, allowing them to compare options quickly and efficiently. This feature is especially valuable in today's fast-changing financial environment where interest rates can fluctuate frequently. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in delivering meaningful savings and peace of mind. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.