FREQUENTLY ASKED QUESTIONS
Digital Banking
Access Your Account
You may not be able to access your account as it may be locked due to invalid login attempts. For assistance, please contact us at 1-800-323-2611 during normal business hours.
Once you’re registered for eStatements, you can view your credit card statements online.
To register, simply log in to Digital Banking and select Accounts > Credit Card & Member Statements, and then select the Credit Card tab.
You can view your DuPage Credit Union mortgage statements, checking or savings account statements, and notices online. To register for online statements, simply:
- Login to Digital Banking
- Select Accounts
- Choose Checking or Savings
- And, click on eStatements
You can change your personal information, including email addresss or mailing address, in one of three ways:
- Log in to Digital Banking, click the avatar icon in the top right corner, select Settings from the dropdown and click the “Contact” tab.
- You can write to DuPage Credit Union at P.O. Box 3930, Naperville, IL. 60567.
- You can visit any branch location and request to change it with any of our team members.
Protect Your Account
If you’ve forgotten or would like to change your Digital Banking password, simply selecting Forgot Password from the login screen in Digital Banking or the mobile app.
Or, you can contact us at 1-800-323-2611 during normal business hours.
Digital Banking and the mobile app are secure. Your security is our priority. The methods we use to secure your information in our online and mobile banking systems are constantly evolving to keep up with changes in technology. You can rest assured that DuPage Credit Union utilizes industry best practices, including but not limited to; encryption, firewalls, and multi-factor authentication.
Transfer & Move Money
Mobile App
Features
To access you bills through Bill Pay, simply login to Digital Banking and select Transfer & Pay > Bill Pay.
To sign up for Bill Pay, simply login to Digital Banking and select Transfer & Pay > Bill Pay.
Checking
Common Checking Questions
To set a debit card travel notification, you can:
- Fill out this brief travel notification form
- Or, contact us at 800-323-2611 during normal business hours
To order a new debit card, you can contact us during business hours at 800-323-2611 or after hours at 800-472-3272. To get a new debit card, fill out the Request a Visa® Debit Card form.
Your checks will arrive within 7-10 business days after you’ve ordered them.
You can order checks through Digital Banking by selecting Tools > Check Services. Or, you can give us a call as 1-800-323-2611 or visit a branch.
Whether you’re an existing member or you’d like to become one, you can apply to open an account online.
Member eligibility is required.
There is no minimum balance requirement for Cash Back, High-Yield or Core Checking; however, there is a $1,000 minimum balance for Premier Checking. If the balance falls below $1,000, members will receive a $15 monthly fee until the balance is brought back to $1,000.
To find your account number, simply:
- Login to Digital Banking
- Navigate to the Accounts > Activity screen
- Click the eyeball icon underneath the account nickname to hide/unhide the account number masking.
You can find a full listing of fee-free ATMs by clicking Contact Us at the top of our homepage and choosing the Branches & ATMs tab.
High-Yield Checking
You can view the dividends you earned in Digital Banking by selecting your High-Yield Checking account and searching for “Split Rate” in your transactions.
The total spend during the previous month’s billing cycle will be used to determine if you qualify for the higher dividend.
Yes, ATM transactions, the purchase of money orders or any cash back requested over point-of-sale, cash advances, and Peer to Peer transactions may be excluded from earning 5.12% APY. In addition, purchases made using third party payment accounts such as (Venmo and PayPal), may not be eligible for the higher APY.
Yes, if you have multiple DuPage Credit Union credit cards under the same membership account number, the combined total of all of the purchases will go toward your $1,200 per billing cycle spend requirement. To view qualifying cards, log in to your Digital Banking account.
Yes, you’ll earn 5.12% APY on balances up to $15,000. After that, you’ll earn dividends at the stated Membership Savings account rate.
Any ATM fee credits ($20/month limit) will be posted to your account on the last day of the month.
In order to earn 5.12% APY, you must (1) Sign up for eStatements, and (2) Spend $1,200 or more per billing cycle on any DuPage Credit Union credit card. Even if you don’t meet these requirements, you’ll still receive the stated Membership Savings account rate and you won’t pay a minimum balance or service fee.
To set up direct deposit, contact your employer and provide them with your DuPage Credit Union account number and our routing number: 271990198.
Cash Back Checking
To earn the 0.50% cash back, you must (1) Sign up for eStatements, and (2) spend at least $500/month on your DuPage Credit Union debit card. Even if you don’t meet these requirements, you won’t pay a minimum balance or service fee.
You will receive 0.50% cash back on up to $5,000 in net debit purchases every month (that’s up to $25 cash back per month – up to $300 per year)!
Cash Back will be deposited into your Cash Back Checking Account on the last day of the month. Any ATM Fee credits ($20/month limit) will also be posted to your account on the last day of the month.
ATM transactions, the purchase of money orders or any cash back requested over point-of-sale, cash advances, loans paid through the Loan Payment Service, and Peer to Peer transactions may be excluded from earning Cash Back Rewards. In addition, purchases made using third party payment accounts such as (Venmo and PayPal), may not be eligible for Cash Back Rewards.
Cash back earned will display in Digital Banking as “Purchased Refund.”
To set up direct deposit, contact your employer and provide them with your DuPage Credit Union account number and our routing number: 271990198.
Premier Checking
In the event your balance falls below $1,000, you’ll be charged a monthly fee of $15 until the balance is brought back to $1,000.
To open a Premier Checking account, you must be at least 16 years old with a parent or legal guardian as a joint owner, or 18 years old as an individual account owner.
To set up direct deposit, contact your employer and provide them with your DuPage Credit Union account number and our routing number: 271990198.
Core Checking
Core Checking doesn’t earn dividends. It’s a simple, hassle free way to manage your money that has no minimum balance or no monthly service fees.
With a Core Checking account there are no monthly service fees and no minimum balances. And, with nearly 30,000 fee-free ATMs, we’ve made accessing your account even easier without having to worry about pesky ATM fees.
To open a Core Checking account, you must be at least 16 years old with a parent or legal guardian as a joint owner, or 18 years old as an individual account owner.
To set up direct deposit, contact your employer and provide them with your DuPage Credit Union account number and our routing number: 271990198.
Savings
Common Savings Questions
Yes. Just like your loan or checking account, you can view your savings account via Digital Banking or the mobile app.
There are multiple ways to access your account number. You can find your account number:
- In the upper left hand corner of your Loan Agreement or Membership Application
- In your vehicle welcome packet if you received one (financed your vehicle at the dealership)
- Via any checks if you have them
- Through Digital Banking:
- After logging in to Digital Banking, navigate to the Accounts > Activity screen, and then click the eyeball icon underneath the account nickname to hide/unhide the account number masking.
A savings account is a bank account that earns dividends and generally has withdrawal limitations.
High-Yield Savings
No, you cannot write checks against a high-yield savings account. However, you can write checks from a money market account.
Yes. Balances up to $55,000 will earn at the higher dividend rate. Any balances over $55,000 will earn as the stated Membership Savings rate.
You should see your earnings credited to your savings account on the first day of the following month. High-Yield Savings Account dividends are calculated and paid monthly.
You will be able to view your earnings on the first day of the following month. Dividends for the High-Yield Savings Account are compounded and paid monthly.
There are no minimum balance requirements or service fees for the High-Yield Savings Account.
There is no minimum deposit or minimum balance requirement for the High-Yield Savings Account.
There are no minimum balance requirements, no monthly service fees associated with a High-Yield Savings account.
There are several options for withdrawing funds from your savings account. You can:
- ACH out initiated from your bank, credit union or PayPal/Venmo type service
- Wire transfer out (fee applies)
- We can mail you a cashier’s check via USPS delivery (fee applies)
- Visit any of our 5,600 shared branching locations or 30,000 fee-free ATMs nationwide.
There are several options for making deposits into your savings account. You can:
- ACH in initiated from your bank, credit union or PayPal/Venmo type service
- Wire transfer in
- Mail us a personal check, cashier’s check, or bill pay check
- Visit any of our 5,600 shared branching locations or 30,000 fee-free ATMs nationwide.
Money Market Account
All of our dividend bearing Money Market Accounts are compounded (calculated) daily and credited to your account on a monthly basis. Compounded means you not only earn dividends on your original deposit, but you also earn dividends on the dividends!
To transfer funds into your Money Market account, simply:
- Initiate a transfer from your other financial institution. To do so, you’ll need our Routing Number (2719-9019-8) and your account number.
- Call us at 1-800-323-2611— we’ll be happy to help you transfer funds from another DuPage Credit Union account.
- Visit a branch location.
- Complete a transfer through Digital Banking or the mobile app.
There are no monthly service fees and no minimum balance requirements associated with a Money Market account. If your balance falls below $500 for the Money Market account or $55,000 for the Jumbo Money Market account, you simply won’t earn dividends until you reach the minimum balance.
Yes. Per federal law, you’re allowed six electronic withdrawals per month from a Money Market account, including telephone transfers, electronic fund transfers, and checks. Please note, that if you repeatedly attempt to make more than six electronic withdrawals, we may have to close your account. However, if you’re using your Money Market account to make payments toward your DuPage Credit Union loans, or if you’re visiting a branch to withdraw money, you can withdraw as many times as you need to.
A Money Market account is similar to a Membership Savings account, but it is more flexible with options like check writing and it yields higher dividend earnings with our tiered rate structure.
Membership Savings Account
There are no monthly service fees associated with a Membership Savings account. However, if your balance falls below $5, you’ll be charged a $1 minimum balance fee per month until your balance is brought back to $5.
There are several options for withdrawing funds from your savings account. You can:
- ACH out initiated from your bank, credit union or PayPal/Venmo type service
- Wire transfer out (fee applies)
- We can mail you a cashier’s check via USPS delivery (fee applies)
- Visit any of our 5,600 shared branching locations or 30,000 fee-free ATMs nationwide.
There are several options for making deposits into your savings account. You can:
- ACH in initiated from your bank, credit union or PayPal/Venmo type service
- Wire transfer in
- Mail us a personal check, cashier’s check, or bill pay check
- Visit any of our 5,600 shared branching locations or 30,000 fee-free ATMs nationwide.
Share Savings Certificate
Dividends accrue daily and are compounded and credited to your account monthly.
The Share Savings Certificate offers available terms ranging from 3 months to 60 months allowing for easy investing on your terms.
There are no monthly maintenance fees associated with a Share Savings Certificate. And, with available terms ranging from 3 months to 60 months, it’s easy investing on your terms.
There are several options for making deposits into your savings account. You can:
- ACH in initiated from your bank, credit union or PayPal/Venmo type service
- Wire transfer in
- Mail us a personal check, cashier’s check, or bill pay check
- Visit any of our 5,600 shared branching locations or 30,000 fee-free ATMs nationwide.
The minimum investment amount for a Share Savings Certificate is $1,000.
Special Savings Account
The only requirement to open a Special Savings account is to be a member with an existing and current Membership Savings account.
There are no monthly service fees, no minimum balance requirements, and no transactions fees associated with a Special Savings account.
There are several options for withdrawing funds from your savings account. You can:
- ACH out initiated from your bank, credit union or PayPal/Venmo type service
- Wire transfer out (fee applies)
- We can mail you a cashier’s check via USPS delivery (fee applies)
- Visit any of our 5,600 shared branching locations or 30,000 fee-free ATMs nationwide.
There are several options for making deposits into your savings account. You can:
- ACH in initiated from your bank, credit union or PayPal/Venmo type service
- Wire transfer in
- Mail us a personal check, cashier’s check, or bill pay check
- Visit any of our 5,600 shared branching locations or 30,000 fee-free ATMs nationwide.
Auto Loans
Purchases
If you’re between the ages of 18-24 with limited or no credit history, it can be difficult to qualify vehicle loan. The First-time Vehicle Buyer Program helps you qualify for a low-rate vehicle loan by looking at a number of other factors.
If you qualify for the First-time Vehicle Buyer Program and your application is approved, you’ll receive a $100 gas card after you make your first month’s payment on time, and then another $100 gas card after 12 months of on-time payments.
Can I still get a vehicle loan if I purchase through a private party? Dropdown, press enter to open.
As long as the private party has a title that can be transferred to your name, you can get an auto loan. You don’t have to purchase a vehicle from a dealership in order to get an auto loan.
Yes, you can still get an auto loan with DuPage Credit Union if you’ve purchased a vehicle out of state.
A vehicle pre-approval letter is good for 60 days. The rate on a pre-approval letter is only good for 30 days.
A vehicle loan pre-approval gives you negotiating power at the dealership because it already details how much you’re approved for and the rate you were approved at.
You don’t need to have a car picked out in order to apply for a loan, but you should get a pre-approval, which lets lenders know how much of a loan you’re approved for.
Yes. We offer an extended warranty good for 10 years and 125,000 miles on new and eligible used vehicles*. We also offer other additional warranty options: Enhanced Electrical Package, Lift Kit, Conversion Coverage, and Seals and Gaskets Coverage.
*Extended Warranty program does not apply to Motorcycle and Recreational Vehicle Financing. Other restrictions may apply.
Roadside Assistance Coverage is covered under our Extended Warranty. Included is towing, locksmith and concierge services, lost key/lockout reimbursement, and trip interruption reimbursement which covers receipted hotel and restaurant expenses $150 per day up to $450*.
*Extended Warranty program does not apply to Motorcycle and Recreational Vehicle Financing. Other restrictions may apply.
We do finance classic cars. In fact, we recommend getting pre-approved as soon as you know you’re ready to purchase to get the best rate and get the upper hand when negotiating with the dealership.
Typically it takes 10 business days to release a title once we receive a payoff. Please make sure that your address on file is the most current address.
Nope! We have no prepayment penalties for any of our loans.
At DuPage Credit Union you can put extra money toward your payments and pay it off even quicker without worrying about prepayment penalty fees.
All of DuPage Credit Union vehicle loans are calculated using simple interest. It’s very simple. Just multiple the daily interest rate by the principle by the number of days that elapse between payments.
Down payments for vehicle loans are evaluated on an individual basis.
DuPage Credit Union finances new and used vehicle loans up to 84 months. Types of vehicle loans include:
- Cars
- Classic cars
- Trucks
- Motorcycles
- RVs
- And, boats.
Please note that we do not finance salvage, rebuilt, customer, commercial vehicles.
Refinances
The great thing about refinancing with DuPage Credit Union is that we don’t charge fees or service charges. In some cases, the Secretary of State charges a $50 Correct Title Fee; however, if you apply for our auto refinance program, we may waive the fee.
Insurance
The Extended Warranty coverage has a 30-day and 1,000 mile waiting period from the contract purchase date and current odotmeter reading.
Generally yes, car dealerships do offer GAP; however, our prices are substantially lower than what auto dealers typically charge. From what we have observed, on average, dealers typically charge $995.
You only have to purchase GAP once and you’ll be protected for the life of the loan.
No, GAP does not require you to have a deductible.
If your vehicle is totaled in an accident or stolen and not recovered, the insurance settlement based on the actual cash value of your vehicle—not the outstanding loan balance. This could create a loan “gap”—money you owe on the loan after the insurance company pays its portion. Optional GAP may cover the difference between the outstanding loan amount and the actual cash value of the vehicle. Note: GAP cannot be transferred from one vehicle to another. GAP does not replace your required comprehensive and collision auto insurance. Your purchase of GAP is optional and will not affect your application for credit. Eligibility requirements, conditions, and exclusions apply.
We do! We have teamed up with insurance providers to offer a member discount on a variety of insurance coverages, including Travelers Auto Insurance, Extended Warranty, and Guaranteed Auto Protection (GAP).
Personal Lending
Personal Loans
A DuPage Credit Union personal loan is a fixed-rate, unsecured loan (a loan that requires no collateral). Personal loans could be used for debt consolidation, home repairs, emergencies, replacing appliances, auto repairs, medical expenses, new furniture, vacations, honeymoons, weddings, and much more!
We offer personal loans from $500 to $50,000.
We have flexible personal loan repayment terms up to 60 months.
When you agree to make your payment automatically through Digital Banking or through payroll deduction/ACH, you could reduce your rate by .25%.² Discount does not apply to promo personal loan rates.
Credit Builder Loan
You don’t need to have credit in order to apply for a Credit Builder loan. This loan is to help you establish and grow your credit history.
With a Credit Builder loan you can borrow as little as $500 or as much as $2,500.
We offer flexible terms of 6 to 24 months for Credit Builder Loans.
Different than a traditional loan, the funds from the Credit Builder loan will be deposited into a Secured Savings account. Then, as you repay the loan, your monthly payments will be reported to the credit bureau. Once the loan has been paid off, the funds that were deposited into the Shared Savings account are yours to spend or save.
Personal Line of Credit
Our interest rates are 13.88% APR for line of credits over $2,500 and 17.88% APR for line of credits under $2,500. Interest is accrued daily and will be applied to the entire balance until it is paid in full. To avoid any interest charges, simply make your loan payment through Digital Banking or the mobile app to pay off the balance the same day the advance was made.
A Personal Line of Credit can be used for just about everything; including, an overdraft protection account, repairs, expenses like medical bills and school expenses, and more!
Both a Personal Line of Credit and a Personal Loan give members access to money when they need it most. However, unlike a Personal Loan, a line of credit is something that you can draw on more than once. It can also be used as an overdraft protection account, so in the rare instance your account is overdrafted it will automatically transfer money over in increments of $100—saving you an overdraft fee.
Savings Secured
For terms up to 36 months, you can use a Membership Savings Account as collateral. For terms 37-60 months, funds must be deposited into a Share Savings Certificate. Savings secured loan rates are 2.00% APR above your collateral savings product ownership dividend rate.
Not at all. You can pay off the loan as quickly as you like or until the maturity of the loan without worrying about any prepayment penalties.
Savings Secured Loans offer flexible repayment terms up to 60 months.
A Savings Secured Loan is perfect for establishing or rebuilding your credit. It’s a loan that uses the funds you have in your deposit as collateral for a loan.
Credit Cards
Common Credit Card Questions
The minimum credit card payment due will be applied to any interest and fees, then to any promo balances. If two or more balances have the same APR, the older balance is paid first, and then to the oldest revolving balance. If the payment is more than the minimum, the excess will be applied to the highest APR, if two or more balances have the same APR, the oldest balance will be paid first.
You can set a debit or credit card travel notice through Digital Banking, or with this brief travel notification form.
Digital Banking
- Log in to Digital Banking
- Select Manage Cards > My Cards.
- Hover over your card and click “Manage card.”
- Click “Travel Notices” and follow the prompts to submit your travel notice.
If you forget to update your debit card, upon receiving your credit card notice, we will update your debit card as well. If you had advised us of future travel plans but are no longer traveling, please update your notice in Digital Banking or contact us so that we may remove it.
While the fraud case is being worked on, there may be a short period of time when you see both cards and the fraudulent transactions listed in Digital Banking and the mobile app. This will be resolved pending the outcome of the investigation.
For issues relating to fraud you can, can contact us during business hours at 800-323-2611. After business hours please contact 855-341-4650 for credit cards or 800-472-3272 for debit and ATM cards.
A fraud investigation can take up to 60 days to be completed for a debit card and up to 90 days to be completed for a credit card, but we’ll notify you once it’s processed. In the meantime, we may contact you for more information, if needed.
After I've reported fraud on my card, will I still be able to use it? Dropdown, press enter to open.
After you’ve reported fraud, we immediately close your card to protect your information and prevent any further unauthorized use. A new card will be sent to you within 7-10 business days. Or you can stop by one of our branch locations and receive one same day.
You will not have to pay a fee for your replacement card.
Processing the request to replace your lost or stolen card online can take 7-10 days; however, if you visit a branch location, you can receive your new credit card same day.
Not at all! With any DuPage Credit Union credit card there are no foreign transaction fees and no annual fees.
You don’t! The great thing about any DuPage Credit Union credit card is that there are no annuals fees and no foreign transaction fees.
The difference between a credit card and a debit card is that when you use a credit card you are borrowing funds that you have to pay back monthly. A debit card uses funds that are already available in your checking account.
Your credit card payment due date is 24th of every month. To avoid paying interest on purchases, pay your entire balance by the due date of each month. The due date of any DuPage Credit Union credit card cannot be changed.
How do I make a credit card payment? What will my minimum payment be? Dropdown, press enter to open.
Your minimum credit card payment each month will be 2% of your balance or $25, whichever is larger. To make a payment from your DuPage Credit Union account, simply log into your Digital Banking and select
Upon approval, you should receive your new card in the mail in about 7-10 days.
The first thing we recommend is checking in with any other authorized users to see if they recognize them. If you determine the transactions are fraudulent, you can contact us at 800-323-2611 during regular business hours. After business hours, contact 855-341-4650 for credit cards or 800-472-3272 for debit and ATM cards.
DuPage Inspire™ Cash Back Signature
Inspire Cash Back Cardholders have a generous 4 years before Cash Back expires. Please refer to your credit card statement to learn the year and the amount of Cash Back that will expire.
What is the Welcome Bonus for the Inspire card? Am I eligible for it? Dropdown, press enter to open.
You will receive a $200 Welcome Bonus* as a statement credit when you spend $2,500 on your DuPage Inspire® Cash Back Signature credit card within the first 90 days of opening. The credit will appear on the next statement after the $2,500 threshold has been met. Current DuPage Imagine Rewards® credit cardholders who are upgrading to the Inspire card are not eligible for this bonus.
There are annual cash back limits for the 3% and 2% categories, but there is no threshold for 1% cash back. So, even if you’ve reached the spend limit in a particular category, you will still earn 1% cash back on those purchases. The following thresholds are reset every year on your card’s anniversary date:
- 3% cash back on travel and entertainment purchases (up to $10,000 annual spend)
- 3% cash back at restaurants (up to $6,000 annual spend)
- 2% cash back at grocery stores, supermarkets and wholesales clubs (up to $6,000 annual spend)
- 2% cash back at bookstores (up to $6,000 annual spend)
- 1% cash back on everything else(with no maximum spend)
Cash back will be deposited into your checking or savings account approximately 4-7 days after redemption. For statement credits, cash back will appear on your next monthly statement (the 27th of each month).
To view your cash back balance, simply log into Digital Banking, navigate to Manage Cards > My Cards, and select your Inspire card. Click “Inspire Cardholders: Redeem Cash Back” and follow the prompts provided.
Switching to Inspire
You will have 30 days after receiving your Inspire Cash Back Signature Card to update any automatic payments (e.g utilities, gym memberships) with your new card number, security code and expiration date. We will keep your current card open during this time frame unless you notify us that you are ready for your card to close. We will email you periodically to check in and remind you of your time frame.
Once you activate your new Inspire Cash Back Signature card, your points will be converted at a value of 1% cash back (e.g. 12,000 points = $120) and posted to your new Inspire Cash Back Signature card as cash back. Your cash back will be available to view and redeem at the beginning of the next monthly statement cycle (the 27th of each month).
You will receive a new APR for the Inspire Cash Back Signature Card. Once we close your previous credit card, we will transfer any standard unpaid balances over to your Inspire Cash Back Signature card at your new rate. Any balances with promotional rates will be honored.
Once we close your current card, we will transfer any unpaid balance, including promotional balances, to your new Inspire Cash Back Signature Card. Please note that we’ll close your current card 30 days after you receive your new Inspire Cash Back Signature Card in the mail (or once you notify us, whichever comes first).
You can begin to use your new Inspire Cash Back Signature Card as soon as it is activated. You do not need to wait for your current card to be closed.
No, your statement history will not be available once your current card is closed. You will have 30 days after receiving your Inspire Cash Back Signature Card to download your credit card statement history; it will no longer be available once your card has been closed.
DuPage Imagine Rewards™
In order to earn the $100 bonus, you have to spend $3,000 or more within the first 90 days to earn 10,495 points redeemable for up to $100 in cash-back rewards.
You can use your points to redeem the following Credit Union products and services:
- 5,000 points to add .05% to the current stated rate on a Share Savings Certificate (maximum of 100,000 points to receive an additional 1%)
- 5,000 points to receive .10% off the current stated vehicle loan rate (maximum of 100,000 points or 1% off the current stated rate or the current floor rate)
- 10,000 points to subtract $100 off your total mortgage processing fee (minimum 10,000 points/maximum 80,000 points)
- 30,000 points to pay your mortgage application fee ($295 value)
- Gift your points to our Backpack Fundraiser and help local students get the supplies they need.
For more information or to redeem your points for any products and services, simply call us at 1-800-323-2611.
To view or redeem your points, simply log in to Digital Banking, navigate to Manage Cards > My Cards, and select your Imagine Rewards™ card. Click “Credit Card Rewards” and following the prompts provided.
DuPage Thrive™
If you’re taking advantage of the 0% intro APR for 12 months balance transfer offer during the first 90 days of card opening (then, a variable 15.75% to 23.75% APR), then you will have either a 3% or $5 balance transfer fee, whichever is greater. After that, none.
DuPage Canvas™
The minimum monthly payment for credit cards is $25 or 2% of balance, whichever is greater.
Typically, there is no fee for transferring your balance from one card to another. Some restriction may apply.
In order to apply for the Canvas card they have to be at least 18 years old. Some applicants may require a cosigner. Individuals 22 years and older can apply without a cosigner.
Digital Wallet
Digital Wallets are incredibly secure. Whenever you make a purchase, your digital wallet provider – Apple Pay®, Google Wallet™, and Samsung Pay – scramble your credit card number and block any personal information from being transcribed. This means, if a fraudster hacks a store or online provider, your information will never be shared.
Using a Digital Wallet is completely free. Simply download the app – Apple Pay®, Samsung Pay™, or Samsung Pay – add your credit card(s) and start spending.
Apple Pay is a digital wallet service that allows Apple users to make payments in person, in apps, and on the web. It’s supported on the iPhone, Apple Watch, iPad, and Mac.
Apple Pay retains all of your card information in one place to make it easier to make purchases. It then encrypts the credit card information and creates a unique account number that’s transmitted with the payment instead of the card. This keep yours personal information secure.
To set up Apple Pay, on your Apple compatible device go to your Wallet, tap “+”, scan your DuPage Credit Union credit or debit card, follow the banking instructions, and then you’re ready to start shopping.
To use, simple swipe your device over the payment terminal to pay for your purchase.
Google Wallet is a digital wallet that allows users to make in-app and tap-to-pay purchases on mobile devices, such as; Android phones, tablets, or watches.
Google Wallet retains all of your card information in one place to make it easier to make purchases. It then encrypts the credit card information using Tokenization and creates a unique account number (token) that’s transmitted with the payment instead of the card. That way none of your personal information is shared with the merchant.
To set up Google Wallet, on your Android phone download Google Wallet, take a picture of your DuPage Credt Union credit or debit card, and start shopping.
To use, simple swipe your device over the payment terminal to pay for your purchase.
Samsung Pay is digital wallet service that lets users make payments using compatible phones and other Samsung-produced devices.
Samsung Pay retains all of your card information in one place to make it easier to make purchases. It then encrypts the credit card information using Tokenization and creates a unique account number (token) that’s transmitted with the payment instead of the card. That way none of your personal information is shared with the merchant.
To set up Samsung Pay, on your Samsung device download Samsung Pay, take a picture of your DuPage Credt Union credit or debit card, and start shopping.
To use, simple swipe your device over the payment terminal to pay for your purchase.
Visa Click to Pay
Click to pay with is a faster, more secure way to shop online. Plus, rather than having to type in your card number or username and password whenever you go to make a purchase, just look for the icon and you can shop anywhere Visa debit or credit cards are accepted.
You can make changes to your personal information in click to pay?
- Directly through the Visa enrollment page at https://secure.checkout.visa.com/
- During online checkout at merchants that accept Visa and display the payment icon
You can use Visa Checkout wherever you find the payment icon. For a complete list visit: Visa.com
You can enable click to pay via any of the ways below:
- Directly through the Visa enrollment page at https://secure.checkout.visa.com/
- During online checkout at merchants that accept Visa [credit/debit] and display the payment icon
By turning on “Trust this Device”, Visa will remember you on that browser or device and you will automatically be signed in. Not only will you be able to see your information, you also won’t need to enter a one-time passcode to checkout. Note that you may be asked to enter a one-time passcode in certain circumstances for security reasons. This feature is not recommended for shared devices.
By turning on “Remember Me”, Visa will remember you on that browser or device. The next time you use click to pay, you’ll see your cards, email address, names, phone numbers and addresses. You’ll simply need to enter a one-time passcode to checkout. This feature is not recommended for shared devices.
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APR = Annual Percentage Rate. Rate based on creditworthiness and card type. Refer to Truth-In-Lending Terms and Conditions Disclosures (DuPage Inspire® Cash Back Signature, DuPage Imagine Rewards®, DuPage Thrive®, DuPage Canvas®) for details. No annual fee, balance transfer fees or foreign transaction fees. Cash advances have a fee of either $5 or 3% of the amount of each cash advance, whichever is greater ($50 maximum fee). Must have a credit union membership established and be in good standing.
Mortgages
Common Home Loan Questions
The minimum down payment for a DuPage Credit Union home loan depends on the mortgage type. Below are the minimum down payment requirements.
| Mortgage Type | Down Payment |
|---|---|
| VA Loan | 0% |
| Community Heroes Loan | 1% |
| Fixed-rate mortgage | 3% |
| Adjustable-rate mortgage | 3% |
| Single-Family Investment Properties | 15% |
If your down payment is less than 20% of your home’s purchase price, you will need to pay Private Mortgage Insurance (often called PMI), generally as part of your mortgage payment each month. Unlike the mortgage insurance premium paid monthly over the life of many government-insured loans, you may be eligible to cancel PMI after you reach 20% equity in your home — which could save you money over time.
There are three ways to make your mortgage payment:
- You can transfer your payment from your DuPage Credit Union Checking Account via Digital Banking or the mobile app
- You can set up an automatic payment from another financial institution. You’ll need to contact that financial institution to do so and provide them with your DuPage Credit Union account number and the routing number (2719-9019-8)
- You can visit any branch or shared branching
You do not have to be a Member of DuPage Credit Union to apply; however, in order to qualify for a loan you must be eligible to be a Member.
No! The great thing about a DuPage Credit Union is that you can pay off any of our loans early without worrying about having to pay prepayment penalties.
Mortgages
Your credit score, and your credit history, help to give a lender an idea of what your financial background looks like. The higher your score, the more likely you are to get a better rate.
A home appraisal is a document that details the value of the home. Before you can purchase a home, you’ll need copy of the appraisal. This helps determine the price of a loan and is good to have if at any point you sell your home.
There are multiple factors that help determine closing costs, as such, they will vary. To get more information, you can schedule a free consultation with one of our home loan experts or visit any of our branches.
A pre-approval is a letter that stipulates how much you can afford, the kind of home loan, and what interest rate you qualify for.
Getting pre-approved before buying a home helps you understand what you can afford and it gives you leverage when you’re negotiating with sellers.
Pre-approval letters from DuPage Credit Union are good for 90 days.
We offer mortgage loans for single family, multi-family, condos and investment properties.
Fixed-Rate Mortgage
We offer flexible terms ranging from 7 to 30 years for Fixed-Rate Mortgages. Schedule an appointment to learn which might be best for you.
If you’re looking to live in your home for the long haul, then a 30 year mortgage might be the best fit. Keep in mind; however, that even though your payment may be somewhat smaller, the interest rate will be higher and you’ll end up paying more in interest over time.
With a 15 year mortgage, your interest rate will be lower which means you’ll pay your principal off faster and pay less in interest.
To get more information, schedule an appointment with on of our home loan experts.
Community Experts & Heroes
Yes, if you have money that’s been gifted to you or you’ve been given a grant for housing, you can apply those funds toward a down payment.
Yes, you can qualify for the Community Heroes Loan even if you’ve owned a home before as long as you don’t own a home at the time of closing.
Yes. PMI is required until you’ve paid 20% of your loan. Once you’ve reached 20% equity, you can contact us to remove the PMI or it will automatically be removed once you’ve paid 22% of your LTV (loan-to-value).
Refinancing
Refinancing your mortgage is a good idea if you:
- Want a lower interest rate
- Want to shorten the term (length) of your mortgage
- Want to switch from one mortgage type to another (i.e. Federal Housing Administration (FHA) to a conventional fixed-rate mortgage)
You can. If you refinance with a cash-out refinance, you can take out some of your home’s equity as a cash payment at closing.
FHA Loans
In order to qualify for an FHA loan, you have to be a legal resident of the United States, have a source of income and be able to provide a 3.5% down payment.
Yes. The great thing about an FHA loan is that you may qualify even if you have a lower credit score or you’ve filed for bankruptcy in the past.
No. You can pay your loan off as early as you’d like without worry of a prepayment penalty.
Yes. MIP is required upfront and monthly for the life of the loan.
Yes, you can refinance with the FHA Streamline – a simplified, less complex refinance program that can get you a lower rate on your mortgage. To qualify, your current mortgage needs to be a FHA. Or, you can refinance with a Conventional Equity Loan to remove Private Mortgage Insurance (PMI) if you qualify.
VA Loans
Yes, if you refinance with a VA loan you can borrow up to 100% of your home’s value with a VA cash-out refinance.
In order to apply, you’ll need to get a Certificate of Eligibility (COE) from the Department of Veteran Affairs (VA). This document shows proof of one of four things: you served at least 181 days of active duty during peace time, 90 days of active duty during war, six years in the Reserves or National Guard, or you’re the surviving spouse of a service member killed during active duty.
Jumbo Mortgage
There are a few special requirements for a Jumbo Mortgages. Jumbo Mortgages can range range from $647,200 to $1,000,000. They require a minimum down payment of 20% (80% Loan-to-Value) and a minimum credit score of 740. This is a full-document loan.
Home Equity Loans
Common Home Equity Questions
You can make a payment several ways:
- Transfer funds using Digital Banking
- Set up automatic payments
- Use Bill Pay to make monthly payments
- Give us a call at 800-323-2611
Your home’s equity is the difference between the appraised value and your current mortgage balance. The more equity you have, the more financing options may be available to you.
HELOC
You are able to draw from your HELOC for the first ten years as many times as you would like on a revolving basis. The minimum advance (after your first advance) is $500.
To draw from your HELOC, you can:
- Log into Digital Banking or the mobile app, select Transfer & Pay > Transfer, and transfer money directly to a DuPage Credit Union checking or savings account
- Use our Automated Phone Banking service
- Write a HELOC check directly to the person or business of your choosing
To order more HELOC checks, simply email us with your name and phone number or call us at 800-323-2611. We will contact you the next business day to place your order.
You can use your Home Equity Line of Credit for a variety of purposes including home repairs, debt consolidation, or paying for major expenses.
Conventional Equity
Our Conventional Equity loans have three available repayment term options: 5, 7, and 10 year terms.
There are no annual fees for our Conventional Equity loans.
You can use a Conventional Equity to make home repairs, consolidate debt, or even to pay for a vacation.
Flex Equity
Our Flex Equity loan offers the comfort of lower payments over a longer period of time and the security of a fixed-rate payment for the first five years.
No, there are no annual fees with a Flex Equity loan.
After the fifth year, the rate may change annually and is based on the Constant Maturity Treasury index (CMT) as published in the Wall Street Journal CMT plus a 3.00% margin. The rate cannot increase more than 2.00% per year.
You have 20 years to pay off your Flex Equity loan.
Our Flex Equity loans can be used for a plethora of reasons including, home repairs, consolidating debt, and paying for education.
Future Value Home Equity
Unlike a construction loan which is used to finance building a home from the ground up, a Future Value Home Equity loan is used to make renovations to an existing property. To qualify for a Future Value Home Equity Loan, we appraise what the home’s future value will be after renovations. This way, members who have very little equity in their home can use this loan to make renovations.
Please note that DuPage Credit Union does not finance construction loans.
With a Future Value Home Equity Loan, we use an appraiser to determine what the value of your home will be after renovations, so that you’re able to borrow the money you need now to complete them—all the while having the security of a low fixed rate, guaranteed for the first 5 years.
Future Value Home Equity Loans have a repayment term of 20 years with no prepayment penalties. So, you can feel comfortable with paying your loan off early.
With a Future Value Home Equity Loan, you can use the future value equity of your home—after projected renovations—to pay for home repairs now.
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