Dowagiac Area Federal Credit Union offers many types of loans to fit your financial needs.

  • VISA
  • Home Equity - Fixed Rate 
  • Auto - New and Used
  • Recreational Vehicles
  • One Payment Notes
  • Overdraft Line of Credit
  • Boat
  • Signature
  • Money Saver Loan
  • Miscellaneous Security Loans 

 You must meet our lending requirements to borrow from us as you would with any financial institution. Check with us for the specials that we run on a regular basis.

MasterCard Debit Cards

We offer a checkless way to make purchases and NO Transaction fee Debit Cards. They are accepted anywhere MasterCard is accepted. Use it just like a credit card or just like an ATM card with your PIN. Either way the money comes out of your checking account. Your first card is issued with no charge, replacement cards will carry a $10 fee.  Check with the credit union about the daily limitations set on the Debit Cards.

ATM Cards

ATM cards are available.  No surcharge applies if you use the card at the ATM's owned by the credit union which are located at: 473 E. Division Street in Dowagiac and KB Village Express (Phillips 66) on M-60 in Cassopolis. If you use the card at any other ATM outside of the Co-op Network you may have a surcharge from that institution.  If you use other ATM machines (foreign, not owned by DAFCU) you will be given four (4) transactions at no additional cost per month, but  after that 4th transaction your account will be charged an additional $1. Check with the credit union about the daily limitations set on the ATM Cards.  Your first ATM card is issued with no charge, replacement cards will carry a $10 fee.

Prepaid VISA Travel Cards and VISA Gift Cards

With the VISA Travel Card you have the security of not having to carry alot of cash on your trips. The Travel Card can be used just like a credit card to make purchases and if you need cash you are able to use it at an ATM with the PIN number assigned to the card. The Travel Card has no reload restrictions and is accepted worldwide at any merchant who accepts VISA. 

It is safe, secure and cancelable if lost or stolen, reduces the chance of Identity Theft as the card is not imprinted with your personal information and you can transfer the use of the card to your spouse or children. The card can be loaded for as little as $100 or as much as $5000 and you purchase the card for only $7.95.

Gift cards are also available for purchase at DAFCU for as little as $3.00 per card and can be purchased in amounts ranging from $10 up to $500. No more worrying about what to buy for someone, safer than giving cash and can be used at any merchant who accepts VISA.

Onilne Application


Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act