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Dfcu Financial

PO Box 6048, Dearborn, MI 48121
NCUA Insured3.7 (150 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 6048

Dearborn, MI 48121

Service Area

This credit union is located in Dearborn and serves members in the MI area. Currently serving 242,390 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.99%

Used Auto Loan

5.99%

Personal Loan

15.74%

Credit Card APR

12.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(38 total)

Member Reviews

3.7

150 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Katie Hearn

Katie Hearn

3 months ago

Good for retirees maybe? High fees, embarrassingly bad tech that contributes to application of high fees. Should you suffer a job loss or any other shift toward lesser financial stability, get your funds out of this institution ASAP or you will absolutely regret trying to "keep it local", my god.

FRAN GORODZ

FRAN GORODZ

7 months ago

This is the absolute worst one out of all of them. Dfcu "Main" . Tried to get help on a Saturday and the woman hands me the 1800 number. I absolutely hate coming here but it is the closest location to me. This location should be open later on Saturdays and they don't let you use a bathroom. I saw elderly and young kids pee themselves because of the barbaric treatment they have to endure. You have to drive to the mall to use the bathroom. I have to find a better bank than this because my card doesn't even recognize the pin. Have to go inside to pull the money. Also all their cards look the same so hard to tell apart if I have multiple accounts. Same blue and gray cards for years now.

Robert Dege

Robert Dege

4 months ago

The service was excellent at the Midtown branch (Wayne State U ). Only complaint is that this is the closest branch to Grosse Pointe, MI. It's about a 20 minute drive. There should be a branch in the Grosse Pointe/St Clair Shores/Roseville area.

Gwendolyn Smith

Gwendolyn Smith

8 months ago

5⭐️s plus…DFCU has a warm welcoming atmosphere. I’ve had wonderful experiences with all of the employees. I’m greeted with an enthusiastic smile and the service rendered is always pleasant.

Antonio Michaels

Antonio Michaels

6 months ago

This "credit union" continues to get worse and worse. Credit unions are supposed to be better than banks, and I have yet to use a bank that's worse than DFCU. Higher fees than most banks, less technology than any other bank I've come across, more problems, and terrible customer service. This is basically a bad bank masquerading as a good credit union.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).