
New Mortgage Department
Managed Credit Program
Credit Union Holidays
Why Make A Will
Update Your Beneficiary Form
Once a Member
Privacy Policy
New Mortgage Department
Your Credit Union is your Golden Opportunity for Great Home Loan Rates and Service!
Our Mortgage Department is available to help you with all of your home loan needs!
As with each of the financial services available exclusively to our members, Dow Jones Employees Federal Credit Union stands out in the crowd as your best source for home loans! We offer:
- Great Rates
- Low Costs
- Fast and Convenient Service
A Mortgage Loan from your Credit Union is better than one from a mortgage broker or banker for many reasons. Credit Unions are member owned, not for profit, full service financial institutions and our priority is to provide our members with the best home loan options possible without a lot of extra costs! Plus, you have the comfort of knowing that your payments are made to your Credit Union not a third party lender and automatic deductions for your payments are always an option – at no extra cost to you!
Additionally, with a loan from Dow Jones Employees Federal Credit Union your name, address, personal and financial information will NOT be sold or shared with other companies seeking to sell you their products and services. We believe our members deserve confidentiality and the security of knowing that outsiders will not solicit you for products and services you neither need nor want.
Please visit our web site: www.djefcu.com or call our Mortgage Department at 866 435-8329 for more information.
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2018 Credit Union Holidays
New Year's Day Jan1
Martin Luther King, Jr. Jan 15
Presidents' Day Feb 19
Memorial Day May 28
Independence Day July 4
Labor Day Sept 3
Columbus Day Oct 8
Veterans Day Nov 12
Thanksgiving Day Nov 22 & 23
Christmas Day Dec 25
Keep your eye on the web site and your mail for unforeseen
closings.
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Managed Credit Program
We are pleased to announce that our credit union has started
a Managed Credit Program to help as many members as possible
obtain credit. We realize that some of our members have
experienced some difficulty with their credit in the past and
as a result, we may have rejected their loan request forcing
these members to pay extraordinarily high rates elsewhere. Our
goal is to help as many members as possible under our Managed
Credit Program. The way our Managed Credit Program works
is that the rate a member pays will be determined by their
credit history. Members with a good credit history will
receive our very best rates, some of the best rates offered
by any lender.
Other members, who may have had past credit problems, will
be assigned rates consistent with their credit history. It
is our goal that these rates will almost always be lower than
they may be currently paying with other lenders.
These new rates will be offered on new vehicle loans and start
as low as 1.75% for 36 months. The credit union provides
100% financing on car loans with approved credit. Our
signature loan rates start as low as 8.50%.
We encourage all our members to call us regarding our new
Managed Credit Program. Our goal is to help you obtain
credit and save money. If you are not sure what rate you
may be paying another lender, call them first, then call us.
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We Want To Help!!
The credit unions current rates for new vehicle loans start as
low as 1.25% for 24 months effective September 28, 2012. Signature loans
start as low as 8.50%. The rate you will pay will be based
on the number of years your loan is financed plus your credit
history. Rates are set by the Board of Directors and are
subject to change.
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Why Make A Will?
If you should die without a will, unless you are a bum living
under an overpass without any measurable assets, then whatever
assets you may have acquired over a lifetime are in limbo.
When a person dies intestate [not having a valid will], the
estate is committed for settlement to administrators appointed
by the state. Although it may be a little tacky to point out
this fact, but we all are scheduled to die, and that point
of departure is not of our choosing.
There is another unpleasant fact of life attached to dying
intestate. In order for your family to get any benefit from
your hard earned assets, it will be necessary for a good chunk
of them to be paid to lawyers for their services and court
fees.
Here is one small example that hopefully will open your eyes
to the importance of having a will. One of your members was
named as executor in her mother-in-law's will. It was a hand-written
will, legal in every sense; however, she left out one word.
Since she didn't indicate that this person was to be the "only" executor,
every relative had to sign notarized papers sent by an attorney,
agreeing to allow this person to dispose of her assets and
distribute them to her intended beneficiaries. Her "estate" amounted
to less than $50,000.
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Update Your Address & Beneficiaries!
We hate to nag, guys, but some of you are still unaware that
your Credit Union is a separate corporate entity from our sponsor
Dow Jones & Company. Therefore, it is important to inform
your C. U. of any change of address so that you may receive
your financial statements and other information in a timely
manner.
Should you get married, divorced, or have a loved one die,
it is vital that you revise the beneficiaries on your life
insurance, retirement plan, CD's, bank accounts, etc. It would
be devastating to your loved ones if your financial assets
were to be confiscated by the state.
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Once A Member, Always A Member, Even If You Leave The Field
Of Membership
Dow Jones Employees FCU is built on the philosophy that once
you join the credit union, you can be a member for life. You
have complete control over your DJEFCU membership. If you change
jobs, retire, move out of town, or whatever changes may occur
in your personal life or work environment, you can continue
to be a member of Dow Jones Employees Federal Credit Union
and use DJEFCU as your financial institution for as long as
you choose.
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