DTCU Services
Serving members financial needs for over 80 years
Welcome to DTCU
Thank you for your interest in the Duluth Teachers Credit
Downtown
11West2ndStreet
Duluth,MN55802
218-722-9242
Union(DTCU).Welookforwardtobecomingyourexclusive
Kenwood
full-servicefinancialinstitution.DTCUwasfoundedin1933to
1358WestArrowheadRoad
Duluth,MN55811
218-724-8218
serve the financial needs of the educational community of Duluth.
Today DTCU has a community charter which allows anyone
wholivesinSouthSt.Louis,CarltonorDouglasCountyorthe
cityofTwoHarborstobeeligibleforcreditunionmembership.
We offer both personal and business accounts along with a full
array of lending products.
Ournameremainsthesame,asdoesourcommitmentto
personal, friendly member service. Look no further than DTCU
for all of your financial needs and discover all that DTCU can
Miller Hill
4433TrinityRoad
Duluth,MN55811
218-279-DTCU(3828)
Virtual Branch
www.dtcu.net
Audio Teller
218-722-9242
1-800-378-DTCU(3828)
Downtown & Kenwood
Office Hours
Rick Lappi
MONDAY-THURSDAY
9a.m.-5p.m.
FRIDAY
9a.m.-5:30p.m.
SATURDAY (Kenwood)
9a.m.-1p.m.
President
Miller Hill Office Hours
offer you!
MONDAY-FRIDAY
9a.m.-6p.m.
SATURDAY
9a.m.-1p.m.(Drive-up)
Serving everyone in the communities
Honor Roll
Savings / Checking
Account
EarnaspotonDTCU’sHonorRolland
receive valuable benefits from DTCU.
To qualify, have one of the following
bundles of DTCU services:
Share Savings
DTCU’s Share Account is a no-fee
savings account. When you open a
DTCUShareAccount(withaminimum
depositof $25),youautomaticallystart
earning dividends on your account as a
member/owner of DTCU. Once
you’re a member, you’re welcome to
use all of the services that DTCU offers.
Gold Star Savings
A plan specially designed for our
youngestmembers, DTCU’s GoldStar
Savings Account teaches children the
value of a dollar and makes saving
money fun! Children, from birth to 11
years old, receive a special Gold Star
Passbookwhentheyopenthisaccount.
Each time they make a deposit – small
orlarge–theyreceiveaGoldStarfor
their passbook. For every five Gold
Starstheyearn,theychooseaprize.All
thatisrequiredisa$5.00membership
deposit to open and maintain this
account. Plus kids receive a free piggy
bank at account opening.
Key Savings (Age 12 - 24 Years)
DTCUhelpsKeyAccountholdersreach
their savings goals. If you are between
theagesof16and24youareeligibleto
open a checking account that carries no
monthly fees. Also, apply for a Debit
MasterCard, a Share Secured DTCU
VISACreditCardoropenanIRA.
Merit Account (Money Market) Savings
Earn higher interest on large-balance
savings with DTCU’s Merit Account.
This money market account offers
tiered rates, meaning the higher your
balance is, the higher the dividend rate
you’ll earn. The minimum balance
requirement for a Merit Account is
$2,500. The minimum deposit to a
MeritAccountis$100,andtheminimum
withdrawal is $250. Dividends are
posted monthly.
IRA Share Savings
DTCU’sIRAShareAccountrequiresno
minimum deposit and no annual
administrative fee. Your funds are
insured separately from your other
savingsaccountsforupto$250,000by
the NCUA. Open a Ttraditional or
RothIRAtoday.
AnominimumbalanceChecking
Account
DebitMasterCard
VISACard
AnyLoanorLineof Credit
~or~
AnominimumbalanceChecking
Account
DebitMasterCard
MoneyMarketAccountwithminimum
$2,500balance
Dream Account Savings
DTCU’sDreamAccounthelpsyousave
for your dream – whether it’s a longoverdue vacation, a new car or anything
else – by keeping your money in an
account separate from your Share
Savings. You can have more than one
dream account. Each one can be personalized with a name you choose and
will show separately on your statement.
When meeting either of these two
criteria, “Honor Roll” status will show
on your monthly statement and you will
enjoy the following money saving
benefits:
•.50%off theinterestrateof collateral- Checking Account
type loans for new and used cars and
SignupforaDTCUCheckingAccount
trucks or recreational vehicles (does
and you’ll appreciate the savings. Our
not include mortgage, signature or
most popular checking plan has no
variableratehomeequityloans.)
minimum balance requirement and no
•.50%morepaidoncertificates
per-itemcharge.Therearenomonthly
•Freechecks(onefreeboxperyear)
maintenance fees. You also may apply
•FreeVISAGiftCardpurchases
for our other checking services,
including a DTCU Debit MasterCard,
Share Certificates
Line of Credit, overdraft protection,
DTCU offers many choices when
direct deposit and more.
investing in certificates. We offer terms
as little as 6 months up to 48 months. Virtual Checking
Rates are tiered based on how much
Virtual Checking is a checking account
money you use to open certificate.
without the paper.
Honor Roll members receive .50%
Howitworks:CarrytheDTCUDebit
above current rates.
MasterCard. Carry a $50 minimum
WealsoofferIRACertificateswiththe
monthly balance. Enroll in direct deposit
same rates and terms. Whether its
(ifyourcompanyoffersit),signupfor
short-term investing or investing for
eStatements and enroll in Free Online
retirement, DTCU has a certificate to
VirtualBranchandFreeOnlineBillPay.
fit you!
Shouldyouneedtowriteapapercheck
you are allowed four free paper check
Christmas Club Savings
clearings per month. A $1.00 check
DTCU’sChristmasClubisanexcellent
clearing charge will apply to any clearings
way to save for gifts and holiday fun.
over four in a month. With the DTCU
There is no minimum balance
debit card there is little need to write
requirement. Your Christmas Club
paper checks.
funds are transferred to your regular
savings account Oct. 31, for early Club Checking
holiday shopping.
This account is designed for nonprofit
organizations that are DTCU members
with a Share Savings Account. We
recognize the important work you do in
our community, so Club Account
Checking offers all the benefits of
RegularCheckingAccounts.
“As a member of DTCU, you are also an owner.”
s of Duluth, Hermantown and Proctor.
Loans
As a DTCU member, you can take
advantage of competitive rates on all
ourDTCUloans.Inaddition,wecharge
simple interest, meaning you pay
interest only on your unpaid balance,
andyoupaynopenaltyforpre-payment.
Quick and easy loan pre-approval is
available so you will know how much
you qualify for before making a
purchase. The loans we offer include:
MortgageLoans
(10,15,20&30yearterms)
LandLoans(100%financing)
ARMLoans
SecondMortgageLoans
NewConstructionLoans
HomeImprovementLoans
HomeEquityLoans/LineofCredit
New/UsedVehicleLoans*
RecreationalVehicle(e.g.boat,
ATV,RV)Loans
ReadyReserve(noannualfee,use
as overdraft protection on your
checkingaccount)
Additional Services
and Benefits
Virtual Branch
Accessallofyouraccounts24hoursa
day from your computer. DTCU’s
VirtualBranchissafe,convenientandfree!
Through our secure site, www.dtcu.net,
you can review your account balances
and history, transfer funds between
accounts, make loan payments, make
DTCUVISAcardpaymentsandmore!
Signuponlineatwww.dtcu.net.Demo
site is also available, go to Virtual
Branch,thentoDemo.
Mobiliti
Accessyouraccountsfromyoursmart
phonewithfreeMobilitiMobileBanking.
TosignuplogontoVirtualBranchfrom
our website then click on self service
tab.
Online Bill Pay Service
www. t
dtcu.ne
Transfers
You may transfer money between
your accounts at any time. However,
regulations make it necessary for DTCU
toplacealimitof sixpre-authorizedor
automatic transfers per month via
telephone or the Internet, from a
savings to a checking account.
Direct Deposit
eStatements
SaveyourselfatriptotheCreditUnion
with our safe and convenient Direct
Deposit service. Any check you
regularly receive, such as a paycheck or
Social Security, can be automatically
deposited into your DTCU savings or
checking account.
No more paper in your mailbox when
yousignupforfreeDTCUeStatements!
eStatementsareasecurefastwaytoreceive
your credit union statement normally on the
VISA Gift Cards
first or second day of each month!
Weofferanexcellentwaytogiveagift
SignupforeStatementsonlineorwhen
anyonecanenjoy!AVISAgiftcardcan
you open your new DTCU account!
beforanyamountrangingfrom$25to
$1,000 and is good anywhere VISA is
Audio Teller Service
accepted.
Access your account information by
MakeDTCUyouronestopshopforgift
phone. For your convenience, DTCU
cards!
offers a 24-hour audio teller service
that allows you to check balances, VISA Travel Cards
transfer funds between accounts, hear
CarrytheVISATravelCardwhenyou
which checks have cleared and more!
travel and travel free from country
Call (218) 722-9242 or 1-800-378restrictions!
DTCU(3828).
The travel card can be reloaded an
unlimited amount of times.
®
VISA Credit Card
DTCU offers instant issue or we can
Enjoy the purchasing power and
order you a personalized travel card at
convenience of the card that’s honored
no additional cost.
worldwide with the following DTCU
advantages: no annual fee, a low APR,
Maximum load at purchase is $5,000
and our ScoreCardSM Rewards proandmaximumreloadamountis$2,000.
gram. For every dollar spent on qualified purchases, you’ll receive points that Safe Deposit Boxes
Looking for a safe place to store
can be redeemed for airline travel,
important papers and valuables? Look
hotels and merchandise. Plus, DTCU
no further than a safe deposit box at
VISA card holders receive free of
DTCU. They’re available at our
charge the added security of Verified by
Downtown and Kenwood offices. Safe
VISA, which protects you from unaudeposit boxes are secure, convenient
thorized online purchases, as well as
and affordable, and come in a variety of
Travel AdvantageSM benefits, offering
sizes to accommodate everything from
protections and assistance when you’re
important personal or business
away from home.
documents to family heirlooms.
DTCU ATMs
DTCU has three ATMs which you can
access at any time to get cash. Use your
DTCU Debit MasterCard to get cash
and you will not pay any transaction fee.
AnATMislocatedateachoffice.
This simple system handles all of your
paymentsonline,automatically.Setitup Debit MasterCard
DTCU’sDebitMasterCardisreallytwo
and never worry again about stamps,
cardsinone!UsethiscardatanyATM Scholarships
envelopes or late fees. Go to www.
to
get cash from your account, or use it
DTCU awards scholarships each year
dtcu.netanddlickonVirtualBranchto
to
make
purchases
anywhere
to area high school seniors moving on
signupforBillPay.
to college.
MasterCardisacceptedworldwide.All
transactions will come directly out of
Applicationsandeligibilityrequirements
your DTCU checking account.
can be downloaded from our website.
DTCU Business Services
Business Savings /
Checking Accounts
Business Savings
Startyournewbusinessaccountwitha
Business Savings Account. $25.00 is all
that is needed to start your new account,
andtherearenomonthlyfees.Oncethis
account is opened you are eligible for all
business products DTCU offers.
Business Checking
Run your business financing with ease
with a Low Cost DTCU Business
CheckingAccount.Nominimumbalance
required and free online access to stay
connected with your business account.
Business Checks & Accessories
DTCU offers quality business checks,
accessories and deposit solutions with
superior service to help you simplify the
check selection process.
Credit and Debit
Business Revolving Line of Credit
A Business Line of Credit will protect
your business’ cash flow and
automatically advance into your
checking account should your balance
ever fall below zero, eliminating costly
overdraft fees and returned checks.
VISA® Credit Card
Putthepurchasingpowerinyourhands
withtheDTCUVISACard.Nomonthly
service charge and a 25-day grace
period, along with our low annual
percentage rate. As an added bonus,
you are automatically enrolled in the
VISA Scorecard program. For each
dollaryouspendyouearnaScorecard
point. Redeem points for airline travel
or valuable gifts.
Debit MasterCard
Loans
Business Loans
We know businesses come in all shapes
and sizes and so do business loans.
From equipment or a vehicle to run
your business to remolding projects,
DTCU will look at each loan individually
and work with you to find the loan that
best fits your business needs.
Additional Services
• OnlineBillpay
• NightDepository
• ATMon-site(allthreeDTCUoffices)
• Freemoneybagtotransportdeposit
money
• NotaryPublic
• Currencyandcoindeposits
• Currencyandcoinorders
• SafeDepositBoxes
DTCU’sDebitMasterCardisreallytwo
cardsinone!UsethiscardatanyATM
to get cash from your account, or use it
to make purchases anywhere
MasterCardisacceptedworldwide.All
transactions will come directly out of
your DTCU checking account.
ww
Business Processing Services
DTCU’s Business Account
Program is ideal for
Sole Proprietorships,
Limited Liability
Companies (LLC),
Corporations, Partnerships,
and Not For Profit
Organizations.
Additional Free Services
NightDepository
Direct Deposit
NotaryPublic
DTCU has teamed up with a local
vendor to supply you with the right
tools to process your business’ card
transactions. You can also set up
desktop deposit, smart phone merchant
processing and personalized gift cards.
They can even help you with payroll
processing for your business.
Acustomsolutionwillbedesignedtofit
your specific business needs. You will
receive local one-on-one service and
24/7assistance.
(A service offered through
Heartland Payment Systems)
Optional Services
You may obtain the following DTCU
services for a minimal fee:
PhotocopyofDraft
StopPaymentOrder
Wire Transfer
Draft Reconcilement
InternationalMoneyOrder
StatementCopy
Certified Check
VISA® Gift Card
Easily manage all
of your business bills
in one place with
DTCU’s bill pay service.
NCUA Insurance
Your accounts are federally insured up
to $250,000 by the National Credit
Union Administration (NCUA). It is
possible for you to obtain additional
insurance coverage on multiple accounts.