Future Members

Membership and Product Application

Online Membership and Product Application

If you are under 18 or are a current joint owner, please select here.

Other information:
Are you eligible to join?

Current Members

If you are under 18 or are a current joint owner, please select here.

Mortgages and Home Equity

Online Home Equity Loans
Online Mortgage Pre-approval

Other forms:
Online Mortgages Tools and Applications
Check Status of Online Mortgage Application
Online VA Mortgage Application
Subordination Disclosure Authorization Form (.pdf format)


Visa^® Credit Cards

Online Visa Credit Card Application - New account or account increases.

Other forms:
Secured Visa Agreement and Disclosure (.pdf format)
Visa Authorized User Application (.pdf format)


Vehicle Loans

Online Vehicle Loan Application - Cars, Trucks, Vans, and Motorcycles.


Checking and Savings Accounts

Online Checking & Savings Account Application - Log into PC Branch to open your new checking account, savings account and certificates.

Other forms:
CashPak Application (.pdf format)
Checking Account Switch Kit (.pdf format)
Affidavit of Forgery (.pdf format) - Report fraudulent checks.


Consumer Loans

Online Consumer Loan Application - Boat, Recreational Vehicle, Personal Computer, Personal Loan, Bill Consolidation, and Private Student Loan.


IRAs and Coverdell Education Accounts

IRAs - Learn about IRAs, open a new IRA, manage or service an existing IRA, and read educational articles

Coverdell Education Savings Account - Select Open an IRA or Manage Your Account to open or service your account.

Business Members

Business Applications

Sole Proprietor Business Account Application (.pdf format)

Partnership, Limited Liability Partnership/Company, Corporation Business Account Application (.pdf format)

Trust Accounts (.pdf format)

QuickApp for Visa^® Business Platinum (.pdf format)

DCU Visa^® Business Platinum Card Agreement and Disclosure Statement

QuickApp for Investment Real Estate Mortgages (.pdf format) - Mortgage for investment property that is $500,000 or less.

QuickApp for Second Mortgage Commercial Real Estate Loans (.pdf format) - Mortgage for investment property that is $500,000 or less.

QuickApp for Business Loans (.pdf format) - Includes business owner-occupied mortgages less than $500,000.

QuickApp for Business Vehicle Loans (.pdf format)

QuickApp for Business PC Deposit (.pdf format)


Other Forms

True Record of Resolution Duly Adopted (.doc format) - Certification signed by the Secretary. (DCU Requires a resolution confirming that all business owners grant the authority to act on behalf of the business to the individual opening the membership. Please use this template to customize and have signed by the appropriate parties if your business does not currently have such a resolution on record.)

Authorization Signed by All Business Owners (.doc format) - Authorization signed by all business owners. (DCU Requires a resolution confirming that all business owners grant the authority to act on behalf of the business to the individual opening the membership. Please use this template to customize and have signed by the appropriate parties if your business does not currently have such a resolution on record.)

Business Account Change Form (.pdf format) - Members with existing DCU business checking and savings account use this form to change account information.

Personal Financial Statement Form (.pdf format) - Use this form when applying for a DCU Business Loan.

Property Rent Roll and Operating Data Form (.pdf format) - Use this form when applying for a DCU Commercial Real Estate Mortgage.

Printable and Online Disclosures

Checking and Savings Disclosures

Truth-in-Savings Disclosure (.pdf format) - Covers disclosures related to all DCU savings and checking accounts including DCU's Funds Availability Policies.

Funds Availability Policy (HTML) - This covers DCU's policies regarding holds on deposits.

Electronic Services Disclosure (.pdf format) - This covers disclosures related to DCU electronic services such as Check Cards, ATM Cards, Internet PC Branch, and Easy Touch Telephone Teller system.

eStatement Disclosure (.pdf format)

Certificate Application and Disclosure (.pdf format)

Schedule of Fees and Service Charges (.pdf format)

Check 21 Disclosure (HTML) - Covers what your rights are regarding substitute checks and how to make a claim for a refund.

I'm Covered (Overdraft Protection Service) Disclosure (HTML) - What you need to know about overdrafts and overdraft fees.
Loan Disclosures

Visa^® Credit Card Disclosure (.pdf format) - This covers disclosures related to DCU's Visa credit card programs.

Visa^® Standard Rate Disclosure Table (HTML) - This lists current rate, fee, and grace period information and disclosures.

Secured Visa^® Agreement and Disclosure (.pdf format) - This covers disclosures related to DCU electronic services such as Check Cards, ATM Cards, Internet PC Branch, and Easy Touch Telephone Teller system.

When Your Home Is On the Line: What You Should Know About Home Equity Lines of Credit (HTML) - Federal Reserve Brochure.

Important Terms of Our Home Equity Line of Credit (.pdf format)