Business Details
50+ Years
experience
Your Trusted Michigan Credit Union for Personal & Business Banking
DFCU Financial has served Michigan communities for over 75 years, offering comprehensive financial solutions for individuals and businesses. Our member-centric approach combines personalized service with innovative digital tools like CashBack+ rewards, mobile banking, and secure payment options. With NCUA federal insurance and a commitment to community development, we empower financial success through tailored checking accounts, savings programs, mortgage lending, and business banking services.Our experienced team delivers expert guidance on loans, investment opportunities, and financial education, maintaining strict security standards while fostering local economic growth through initiatives like small business lending and community engagement programs.
Services
Checking Accounts
Savings Accounts
Mortgage Loans
Personal Loans
Credit Cards
Business Banking
Investment Services
Online Banking
CashBack+ Rewards
Insurance Services
Details
- Year established: 1950
Highlights and features
- 75 years of serving Michigan communities with financial expertise
- NCUA-insured accounts up to $250,000
- Exclusive CashBack+ rewards program for members
- 24/7 digital banking with mobile deposit capabilities
- Locally-focused lending programs for Michigan businesses
Associations and certifications
- NCUA
Services
Checking Accounts
DFCU Financial offers multiple checking account options including personal, business, and nonprofit checking. Features include free mobile banking, overdraft protection, and direct deposit setup. Members benefit from no monthly maintenance fees on qualifying accounts and access to 30,000+ surcharge-free ATMs nationwide while maintaining NCUA-insured funds.
Mortgage Loans
We provide conventional, FHA, and specialty mortgage programs including construction loans and home equity lines. Our lending experts offer competitive rates with personalized guidance through the entire mortgage process from pre-approval to closing, including digital document submission and local underwriting decisions.
Business Banking
Comprehensive business financial solutions include checking accounts, commercial loans, treasury management, and cash flow tools. Our dedicated business bankers serve Michigan companies with customized lending packages, merchant services, and 24/7 online access to manage payroll, invoicing, and business credit needs.
Digital Banking
24/7 digital access through mobile apps and online banking enables account management, bill payment, and instant transfers. Features include mobile check deposit, Zelle payments, CardCMD security controls, and biometric authentication while maintaining industry-leading encryption standards for secure financial transactions.
CashBack+ Rewards
Exclusive rewards program provides instant cash back on digital gift card purchases and banking actions. Members earn real-time rewards through checking account transactions, with no fees or earning caps, redeemable for statement credits or additional gift card options through the integrated digital platform.
People
John M. Jack Barrett
Florida Market President and Chief Commercial Services Officer
With 30+ years banking experience, Jack specializes in SBA lending and strategic financial solutions. Recognized as Tampa's Small Business of the Year, he provides executive guidance for commercial clients navigating complex financing needs.
David Mastrorio
Chief Lending Officer
David has originated $1.5B in business loans and reinvested $180M through PPP programs. His 30-year financial services career focuses on small business growth and community development initiatives across Michigan markets.
Marc Baumann
Senior Commercial Banker
Marc offers 20+ years commercial lending expertise, specializing in customized finance solutions for business owners. He develops strategic partnerships to support company growth through tailored credit facilities and cash management tools.
Janet Plummer
SBA Program Director
With four decades industry experience, Janet specializes in SBA loan programs. She helps small and mid-sized businesses access capital through government-backed lending programs, providing expert guidance on application processes and compliance requirements.
Angel Gibson
Treasury Management Sales
Angel has 12+ years Treasury Management experience, delivering cash management solutions across multiple industries. She specializes in fraud mitigation strategies and payment processing systems to optimize business financial operations.
Questions
What is DFCU Financial's CashBack+ program?
CashBack+ provides instant rewards when purchasing digital gift cards or completing banking actions. Earn up to 20% cash back at major retailers through the mobile app or online banking interface.
How do I access mobile banking services?
Download the DFCU Mobile app for iOS or Android devices. Features include mobile check deposit, bill payment, Zelle transfers, and CardCMD security controls for managing your accounts 24/7.
What loan payment protection options exist?
We offer LifePlus benefits covering accidental dismemberment, terminal illness, hospitalization, and family medical leave. Protection packages include loan balance cancellation up to $100,000 under specific qualifying conditions.
Can I use Zelle for international transfers?
Zelle transfers require both parties to have US-based bank accounts. For international payments, consider our wire transfer services through the business banking department.
What mortgage programs do you offer?
We provide conventional mortgages, FHA loans, construction financing, and home equity lines. Our local underwriters specialize in Michigan property financing with competitive rates and personalized service.
How do I report a lost debit card?
Call 888.336.2700 during business hours or 833.448.0024 after hours to report lost cards. CardCMD app users can temporarily freeze accounts or request replacements instantly through the mobile interface.
