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Accounts, Fees & Savings
DATCU offers Free Checking with Interest, Youth Checking, Mean Green Checking (for UNT fans), Small Business Checking, a standard Savings (Share) Account, Certificates (CDs), Individual Retirement Accounts (IRAs), and Health Savings Accounts (HSAs).
Minimum opening deposit of $5
Dividends are DATCU's version of interest paid to member-owners on their savings accounts. They're calculated based on your daily balance and the current dividend rate, then credited monthly or quarterly depending on the account. Rates are posted here.
Current rates are always posted here. Rates change periodically, so check that page or call (940) 387-8585 for the most current information.
They let you lock in a fixed dividend rate for a set term. In exchange for keeping your funds on deposit for the term, you earn a higher rate than a standard savings account. DATCU's certificates require a minimum deposit and offer competitive rates.
Early withdrawal from a share certificate typically results in a penalty, which is a portion of the dividends earned. The exact penalty depends on the term length. Check the certificate disclosure at datcu.org or ask a branch representative before opening a certificate.
Yes. DATCU allows members to designate payable-on-death (POD) beneficiaries on their accounts. You can add or update beneficiaries through online banking or by visiting a branch with the required information for each beneficiary.
DATCU offers auto loans, RV/boat/ATV loans, home loans (mortgages), personal loans, home equity lines of credit (HELOCs), and credit cards with unlimited cash back. Business lending options are also available.
Yes, that's one of the core benefits of credit union membership. As a not-for-profit cooperative, DATCU can offer more competitive loan rates than many traditional banks. Current rates are posted here.
You can apply online at, visit any of our branch locations, or call us at (940) 387-8585. For home loans, apply at datcu.mymortgage-online.com.
Yes. Auto loans, personal loans, credit cards, and most other loan types can be applied for online. Home loans have a dedicated portal at datcu.mymortgage-online.com.
Credit score requirements vary by loan type. DATCU evaluates each application individually and considers your overall financial picture, not just your score. Contact us at (940) 387-8585 or visit a branch to discuss your situation with a lending team member.
Many loan decisions,especially for auto and personal loans, can be made quickly, sometimes the same day. More complex loans like mortgages take longer. Providing complete documentation upfront speeds the process.
Loans & Credit
Yes. DATCU regularly helps members refinance auto loans, personal loans, and mortgages from other lenders, often at a lower rate. Contact us or apply online to see if refinancing makes sense for your situation.
A Home Equity Line of Credit (HELOC) lets you borrow against the equity you've built in your home. It works like a revolving line of credit, you draw funds as needed during a draw period and repay with interest. HELOCs are often used for home improvements, debt consolidation, or major expenses. Ask a DATCU lending specialist for current rates and terms.
DATCU offers products designed to help members build or rebuild credit. Contact a branch or call (940) 387-8585 to learn about current options available to help you establish or strengthen your credit history.
This is a type of mortgage/home loan refinancing that enables a homeowner take some of the equity in their home as cash. Simply put, it replaces your current mortgage with a new loan. After you pay off your existing mortgage and the associated closing costs, you will get the balance in cash.

  • Increased debt: If your financial position changes, like a job loss or serious illness, this could be very risky for your financial wellbeing.

  • Risk of foreclosure: Because your home is the collateral for the loan, if you cannot make your payments, you could lose your home.

  • Reduce home equity: By taking cash out, you are using up all or much of the home’ s equity you have built up over time.

  • Longer repayment term: When you extend the term of the loan and take equity out of your home, you are extending the term (length) of the mortgage meaning you’ll pay more interest for the loan.

  • Closing costs: When you refinance the loan, you will be required to pay closing costs and this can be a great deal of money.

  • Reduced credit score: When you take your home’s equity and refinance, your overall debt / liability increases and this might lower your credit score.

  • Flexible use of cash/equity: The cash equity that you take out of your home can be used for anything you want. It can be used for a child’s college education, to pay off debt, or whatever you deem important.

  • Single monthly payment: Here you are consolidating your mortgage and the cash-out refinance into one single monthly payment.

  • Possible tax benefits: Consult your tax professional because interest paid may be tax deductible.

  • Access to a large sum of money: If you have good equity in your home, it can provide the borrower with a significant amount of cash.

  • Potentially lower interest rate: A mortgage refinance is typically a lower interest rate than that of credit cards, revolving debt, or personal loans. If you utilize you home’s equity to pay off higher debt (debt consolidation) it can save you money from a decrease in your overall financial interest rate.

  • If you need a home improvement or renovation that will increase the value of your property.

  • If you have higher-interest rate debt that can be consolidated into a lower interest rate overall thus saving you money

  • Your financial situation has significantly improved , helping your qualify for a better term and rate of interest.

  • If you can keep at least 20% of the equity in your home, after taking cash out, thus enabling you to avoid owing an PMI (personal mortgage insurance).

  • A credit score of at least 640. The higher your FICO® credit score, the better interest rate you will get.
  • Overall, a debt to income (DTI) ratio that does not exceed 40%.
  • A Loan-to-Value (LTV) Ratio that does not exceed 80% of the home’s value
  • Proof of good stable income that enables you to make the monthly payments.
  • At least two (2) years of consistent employment.
  • The property type may be a primary home, secondary home, or investment property.
  • No late payments in the last twelve (12) months.
  • A current appraisal on your home.
  • At least 12 months of home ownership.
There are other options to a cash-out refinance to access equity in one’s home. A Home Equity Line of Credit (HELOC) may be a good option as well. Check out our HELOC web page to earn more about this option, or call 940.387.8585 to speak with one of our local loan officers.

A cash-out refinance replaces your current mortgage, changes the terms of your first mortgage, gives you access to the cash equity in your home, and can potentially offer a lower rate of interest.

A HELOC is a second mortgage with a fixed interest rate and term. A HELOC offers revolving credit with variable rates (normally adjusted quarterly) and flexible payments during a draw period which you access funds. It is good for ongoing costs or if you need flexibility in borrowing the funds.

Cards, Security & Member Support
You can activate your DATCU debit or credit card by calling the number on the activation sticker on your card, logging into online banking, or using the DATCU mobile app. If you need help, call Member Support at (940) 387-8585.
Report it immediately. Call (940) 387-8585 as soon as possible so we can deactivate the card and issue a replacement. You can also report a lost or stolen card through online banking or the mobile app. Acting quickly limits your liability.
If you see an unauthorized or incorrect charge on your account, contact DATCU Member Support at (940) 387-8585 or visit a branch. We'll guide you through the dispute process. For Visa credit card disputes, the DATCU Visa® Cardholder Agreement outlines your rights and protections.
Call us immediately at  (940) 387-8585. You can also report fraud through online banking or the mobile app. DATCU monitors accounts for unusual activity and may contact you proactively if something looks suspicious. Never share your account credentials or PIN with anyone.
DATCU uses industry-standard security measures including data encryption, multi-factor authentication, and continuous fraud monitoring. We do not sell your personal data. Review our full Privacy Policy.
Log in to online banking and navigate to Security Settings. You can enable multi-factor authentication (MFA), which requires a one-time code sent via text or email in addition to your password. We strongly recommend enabling MFA on your account.
Educate U. DATCU is committed to financial literacy. Resources are available at our financial education resources and include tools like financial calculators, budgeting guidance, and community workshops. DATCU also supports financial education initiatives at local schools and universities.
Phone: (940) 387-8585. Online: Contact Us. In person: visit any of our 14 North Texas branches in Argyle, Aubrey, Corinth, Decatur, East Denton, North Denton, South Denton, West Denton, Flower Mound, Gainesville, Highland Village, Lewisville, Sanger, The Colony, and the UNT Union. Branch hours and locations are here.
Membership
You can open an account online at app.datcu.org, visit any of our North Texas branch locations, or call us at (940) 387-8585. The process is straightforward. You'll open a savings (share) account, which establishes your membership and makes you an owner of the credit union.
Membership is open to anyone who lives or works in Denton, Wise, Cooke, Clay, Montague, Collin, Dallas, Parker, Tarrant, Jack, or Grayson counties in North Texas. Students and alumni of the University of North Texas (UNT) and Texas Woman's University (TWU) are also eligible, regardless of county. And if a family member is already a DATCU member, including a parent, child, spouse, sibling, grandparent, grandchild, stepparent, stepchild, or stepsibling, you qualify too.
A share account is DATCU's savings account — and it's what makes you a member. When you deposit funds into a share account, you're literally buying a 'share' of ownership in the credit union. The minimum deposit to open a share account is small, and your shares earn dividends.
At DATCU, members are owners. Unlike a traditional bank where profits go to shareholders, DATCU is a not-for-profit cooperative. That means earnings are returned to members in the form of better rates, lower fees, and improved services. You also have a voice in how the credit union is governed.
No. As long as you maintain your share savings account in good standing, your membership is yours for life,  even if you move outside our service area.
Credit unions like DATCU are not-for-profit cooperatives. That doesn't mean we don't generate revenue ,  it means profits are reinvested back into the membership rather than distributed to outside shareholders. Our focus is people over profits.
Yes. DATCU is federally insured by the National Credit Union Administration (NCUA). Your deposits are insured up to $250,000 per individual depositor, the same federal protection offered by FDIC-insured banks.
DATCU members enjoy competitive loan rates, higher earnings on savings, lower or no fees, access to 55,000+ surcharge-free ATMs, shared branching access at credit unions nationwide, community investment, financial education resources, and personalized service. You're never just a number here.
Visit online.datcu.org or download the DATCU Mobile Banking app (available on the App Store and Google Play) and follow the enrollment prompts.
On the login screen, click 'Forgot Password' and follow the prompts. You'll be asked to verify your identity and can then create a new password. If you get stuck, call Member Support at (940) 387-8585 or stop by any branch.
Search for 'DATCU Mobile Banking' in the Apple App Store (App ID: 333349531) or Google Play Store (ID: com.mahalo.androidmobile.dat). Download and install the app, then log in with your online banking credentials. From there you can check balances, transfer funds, pay bills, and deposit checks remotely.
Yes. DATCU uses industry-standard encryption, multi-factor authentication, and continuous fraud monitoring to protect your account. We recommend enabling account alerts and MFA for maximum protection. Visit datcu.org for full details on our security practices.
Log in to online banking or the mobile app and navigate to your account summary. Select any account to view recent transactions, filter by date range, or search by amount or description.
Open the DATCU mobile app and select 'Deposit.' Endorse the back of your check (write 'For Mobile Deposit Only — DATCU'), then photograph the front and back using your phone camera. Submit and you'll receive a confirmation. 
Availability depends on the type of deposit and amount. Checks deposited via mobile or at a branch are generally available the next business day, though portions may be held. Cash deposits at a branch or ATM are typically available immediately. Holds may apply, see DATCU's Funds Availability Policy in the Fees and Disclosures section at datcu.org.
Log in to online banking, go to Settings or Alerts, and choose the notification types you want, low balance, large transactions, login activity, and more. You can receive alerts by email or text message.
Accounts are locked after multiple failed login attempts as a security precaution. To unlock your account, call Member Support at (940) 387-8585 or visit a branch with a valid photo ID. Do not share your credentials with anyone.
Yes. Through online banking you can link external bank accounts to transfer funds between institutions.