Overdraft Line of Credit: Overdraft Protection When You Need It
Life happens, and sometimes your checking account balance can't keep up. An Overdraft Line of Credit is there for you in a pinch. Rates start as low as 12.14% APR*, there are no transfer fees, and coverage is available when you need it.
Your Built‑In Safety Net
An overdraft line works invisibly in the background, stepping in the instant your checking account dips below zero. Transactions clear, bills get paid, and your reputation stays intact—all without you lifting a finger. You only pay interest on the amount you use, not on the entire line of credit.
Rates as low as 12.14% APR*
Help avoid declined cards or returned checks
Protection to reduce disruption to missed auto-payments
for bills or subscriptions
How It Works
Seamless, Stress‑Free Coverage
Once approved, your overdraft line is linked directly to your checking account. If a transaction would overdraw your balance, funds transfer instantly to cover the shortfall. You'll make small monthly payments—just 3% of the outstanding balance or $15—and can repay early anytime without penalty.
Set it up once, and your checking account is always protected.
Simple Requirements
Easy to Add, Easy to Use
If you already have a DFCU checking account, you’re halfway there. Approval is based on your credit profile and relationship with us—no annual fees, no complicated setup. Apply online in minutes or visit any branch, and your account will be covered from day one.
Stop the Small Mistakes From Becoming Big Fees
Financial slip-ups don’t have to cost you big. With an Overdraft Line of Credit, you’ll avoid costly NSF fees, keep your payments running smoothly, and gain the confidence of knowing your checking account always has your back.
Become a Member Today
Church members and immediate family members can join the credit union.
*APR = Annual Percentage Rate. Rates as low as 10.9% based on creditworthiness. Interest charged only on advances. Minimum payment 3% of balance or $15, whichever is greater. Membership, eligibility, and credit approval required. Must have DFCU checking account.