DCCU Routing # 251483311
Faster, more secure access to your account
- Same account information
- Deposit checks or open certificates
- Apply for loans
- Use the same login information or use fingerprint or Face ID.
Faster, more secure access to your account
- Same account information
- Deposit checks or open certificates
- Apply for loans
- Use the same login information or use fingerprint or Face ID.
Member Login
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Register HereHoliday Notice
DCCU will be closed Saturday, January 18, 2025 and Monday, January 20, 2025 in observance of Martin Luther King, Jr. Day.
Take Control of Your Finances
Now is the time to take control of your finances and a balance transfer to a DCCU Credit Card can help!
Transfer balances from any non-DCCU loans and credit cards to your DCCU Credit Card and receive rates as low as 5.49% APR until the transferred balance is paid in full! (3% balance transfer fee, $150 max per transfer)
Already have a personal DCCU Credit Card?
The easiest way to make a balance transfer is in Online Banking or on the Mobile App.
Don’t have a DCCU Credit Card?
With great rates, no annual fee, the opportunity to earn rewards points, and our loan interest rebate program – DCCU has credit cards that fit your needs and helps you earn more on everyday purchases. View card options below and apply online today!
What types of balances can I transfer?
- Any non-DCCU credit cards
- Hospital bills
- Loans
- Tax bills
Promotional rate range is 5.49-12.49% APR. Offer valid on balance transfers from other financial institutions processed between 01/03/2025 - 02/28/2025. The rate will be in effect until the transferred balance is paid in full. The standard variable balance transfer/cash advance rate is 16.24-27.24% APR. The standard variable purchase rate is 12.24-23.24% APR. Balance transfer fee is 3% of the amount of each transfer ($3 minimum, $150 maximum of the amount of each transfer). Other fees may apply - Cash Advance 3%, Foreign Transaction 1% (any transaction processed outside of the U.S.). Rates accurate as of 01/03/2025 and subject to change. Offers of credit and rates subject to creditworthiness. Membership required.
How to Make a Balance Transfer
- Log in to Online Banking, click “View my Accounts,” and then select your Credit Card account from the Loans & Credit list. If you are utilizing Mobile Banking, tap the Credit Card account on your screen.
- Once the appropriate Credit Card account has been selected, click or tap the “My Cards” section.
- Under “My Cards,” select the “Balance Transfer” option.
- Complete all fields on the form with the requested information of the balance you wish to transfer and click or tap “Next.”
- Review the information on the following screen, verifying that everything is correct. Once you’ve verified this information, please click “Submit.”
Features & Benefits of a DCCU Credit Card
Credit Card Options
Mastercard World Credit Card
Limits Up to $30,000
Introductory Offer for New Cardholders:
New cardholders will receive 30,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.*
*Points will be available on the statement immediately following the first three months. Balance transfer fee is 3% of the amount of each transfer ($3 minimum, $150 maximum). Other fees may apply – Cash Advance 3%, Foreign Transaction 1% (any transaction processed outside of the U.S.) Your standard variable purchase/balance transfer/cash advance rate is %%mc-world.low%% - %%mc-world.high%% APR, based on creditworthiness. Rates accurate as of 01/03/2025 and subject to change. Offers of credit subject to creditworthiness. Membership required.
- Earn up to 5 points on purchases
At select merchants each quarter, earn 2 points for gas, groceries, and restaurants, and 1 point for all other purchases, up to 150,000 annually.
- Redeem Points
Redeem points for merchandise, gift cards, travel, or cash.
- Variable Purchase APR: %%mc-world.low%% - 23.24%
- 5X Point Merchants (January 2025 through March 2025)
- Online Streaming Services
- Online Video Game Services
- Wireless Service Providers
- No Annual Fee
- Limits from $5,000 - $30,000
Platinum Rewards Credit Card
Limits Up to $30,000
Introductory Offer for New Cardholders:
New cardholders receive 0% intro APR for 12 months on purchases.1 After the introductory period, the go-to rate is the standard variable purchase/cash advance rate %%mc-rewards.low%% - %%mc-rewards.high%% APR2, based on creditworthiness.
10% Introductory rate for 12 months from the open date on all purchases made within 12 months of account opening. Other fees may apply – Cash Advance 3%, Foreign Transaction 1% (any transaction processed outside of the U.S.). 2The go-to rate is your standard variable purchase/cash advance rate %%mc-rewards.low%% - %%mc-rewards.high%% APR, based on creditworthiness. Rates accurate as of 01/03/2025 and subject to change. Offers of credit subject to creditworthiness. Membership required.
- Earn points for purchases
Earn 2 points for gas, groceries, and 1 point for all other purchases.
- Redeem Points
Redeem points for merchandise, gift cards, travel, or cash.
- Variable Purchase APR: %%mc-rewards.low%% - 19.24%
- No Annual Fee
- Limits up to $30,000
Platinum Cash Back Credit Card
Limits Up to $30,000
Introductory Offer for New Cardholders:
New cardholders receive 0% intro APR for 12 months on purchases.1 After the introductory period, the go-to rate is the standard variable purchase/cash advance rate %%mc-cashback.low%% - %%mc-cashback.high%% APR2, based on creditworthiness.
1 0% Introductory rate for 12 months from the open date on all purchases and balance transfers made within 12 months of account opening. Other fees may apply – Cash Advance 3%, Foreign Transaction 1% (any transaction processed outside of the U.S.). 2 The go-to rate is your standard variable purchase/cash advance rate %%mc-cashback.low%% - %%mc-cashback.high%% APR, based on creditworthiness. Rates accurate as of 01/03/2025 and subject to change. Offers of credit subject to creditworthiness. Membership required.
- Earn 1% Cash Back
Cash back is automatically applied to your statement balance annually, with no hassle for you.
- Variable Purchase APR: %%mc-cashback.low%% - 20.24%
- No Annual Fee
- Limits up to $30,000
Share Secure Credit Card
Limits Up to $1,000
If you are trying to build, rebuild, or establish your credit history, this card may be a good option for you.
- Help Repair Your Credit
Repair your credit with the money in your account.
- Variable Purchase APR: %%mc-share-secure.low%% - 20.24%
- No Annual Fee
- Limits from $200 - $1,000
Business Platinum Rewards Credit Card
Using a credit card wisely to manage business cash flow and debt is easy with DCCU's Business Platinum Rewards Credit Card.
- Earn points for purchases
Earn 1 point for every dollar spent, up to 75,000 points annually.
- Redeem Points
Redeem points for merchandise, gift cards, travel, or cash.
- Variable Purchase APR: %%mc-business.low%% - 21.24%
- No Application Fee
Help Me Decide
A credit card with DCCU is a great solution, whether you are building credit or have established credit history.
Belinda L.
CURRENT CARDHOLDERS
Make a Payment
Making a payment is simple and easy using Online Banking. You can transfer funds directly from your checking or savings account at DCCU or another financial institution to your Credit Card. This can be a one-time payment or recurring.
Credit Card FAQs
Send all MasterCard Credit Card payments to:
DuPont Community Credit Union
PO Box 71050
Charlotte, NC 28272-1050
Yes, you may call or visit any DCCU office to make a payment. You may also make payments using Online Banking, or via mail, using the address above.
To report a lost or stolen Credit Card, call toll-free: 866-820-5970.
Yes, be sure to contact us with the dates and places you will be traveling.
You can call toll-free: 888.918.7313. Or contact us for additional help.
Any payment of $2,500 or over will be held for three business days. Funds will become available once the hold has been released.
If the unauthorized transactions were completed with your Mastercard Platinum, contact our Cardholder Services Department at 800.449.7728. They will promptly cancel your Credit Card number and issue you a new card. Once your card has been canceled, no additional transactions can be authorized. You should receive your new card within 7-10 business days.
Contact us and we will be glad to review your credit card to assist with this issue. **If this occurs after business hours, you may also contact our Cardholder Services Department at 866.820.5970. Your card may have been placed on hold due to transactions that have been processed outside of your normal spending and threshold. Security processes will place a hold on transactions with your card until we can verify that the transactions are processed by you. This ensures that if your card was lost or stolen, additional protection is available to keep fraudulent transactions from occurring.
You make take up to 25% of the total credit card limit (Example| Credit Card limit $10,000 max cash advance will be $2,500).
Your new credit card is mailed to the address on your account 3-4 weeks prior to your current expiration date. Your current card will remain active until the last day of the month in which your card expires. If you have not received your new credit card, it may be beneficial to check your address in Online Banking (under Alerts & Settings) to ensure we have your most recent address. If you have not received your card within the time frame, contact us for assistance.
Balance Transfer FAQs
A balance transfer is the process of moving existing credit card or loan balances from one account or financial institution to another account or financial institution.
World Rewards, Platinum Rewards, and Platinum Cash Back personal credit cards are eligible for balance transfers.
Yes, there is a 3% fee per transfer, with a $150 maximum charge per transfer.
Yes, you can transfer multiple credit card or loan balances as long as you have enough available credit on your DCCU credit card.
The simplest way to transfer a balance is from within Online Banking or from our DCCU Mobile App.
A balance transfer typically takes 7-10 business days to process, but it can vary depending on the financial institutions involved.
Yes, keep making payments on your original balance until the transfer is complete to avoid late fees or penalties.
Please give us a call at 540-946-3200, and a DCCU team member will be happy to assist.
Contact Us
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365,
Waynesboro, VA 22980
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365, Waynesboro, VA 22980
© 2024 DuPont Community Credit Union