One of DCTFCU's founding principles was to provide its members fair access to loans, and we've been doing just that for over 40 years!

Mortgage Loans

Fixed Rate 1st Mortgage Refinance

  • 20 year (240 month) term
  • Minimum Loan: $7,500
  • Maximum Loan: $175,000
  • Call for Current Rate and Availability
Equity Loans

Equity Line of Credit

  • Adjustable Rate
  • 15 year (180 months) term with a 10 year draw
  • Rate Adjusts Quarterly on the first day of January, April, July and October
  • No caps on adjustments / Maximum Annual Percentage Rate 18%
  • Minimum Loan: $7,500
  • Maximum Loan: $100,000
  • Minimum First Draw: $1000
  • Minimum Subsequent Draw: $500
  • Call for Current Rate

Fixed Rate Equity

  • Minimum Loan: $7,500
  • Maximum Loan: $100,000
  • Call for current Rate

Equity Calculation

  • 90% of appraised value, 80% of property valuation assessment

    DCTFCU NMLS# 449421
      KAREN VOLK NMLS# 649106



CU Channels Mortgage Loans 

DCTFCU partners with CU Channels for the following mortgage programs currently not available through our office:

  • 15, 20, 25 and 30 year fixed
  • Manufactured Homes
  • Construction Loans
  • Investment Property Loans
  • 100% & 125% Equity Loans
  • PayOff Land Contracts
  • 100% Purchases - No Money Down
  • FHA & VA Loans
  • Land & Lot Loans
  • Farm Loans
  • Commercial Loans
  • Home Improvement Loans
  • Contact DCTFCU for more information and a referral


Cars, Trucks, Vans, & Motor Homes

After shopping around for the best deal on a vehicle, don't be held up waiting for financing. Get approved--or pre-approved--quickly at Daviess County Teachers FCU.

With a DCTFCU Auto Loan, we offer you:

  • Competitive Rates
  • Up to 100%
  • Insist On It Indirect Lending
Personal Loans

When you need a loan--large or small--for any reason, come to Daviess County Teachers FCU.

Why? Here are just a few reasons:

  • Low rates
  • Variety of loan products
  • Caring professionals

Personal Line of Credit Loans
Perfect for those unexpected needs

  • Low interest rates
  • Overdraft protection
  • No fees

Motorcycle, Boat, and Miscellaneous Secured Loans

  • Variety of rates and terms available

Consolidation Loans

A DCTFCU Consolidation Loan offers you:

  • Savings
  • Convenience
  • Choice


MasterCard® Credit Card

Consider the benefits of DCTFCU's MasterCard® Credit Card. You get:

  • FIXED rate: Classic- 9.9% APR; Platinum- 7.9% APR 
  • No Annual Fee
  • Twenty-five day grace period for purchases
  • No balance transfer fees
  • Just a phone call to have your payment taken from your DCTFCU account
  • Manage your account online

Privacy Policy

1900 Southeastern Parkway, Owensboro, KY 42303
270/684-8954 or 800/215-5574

NMLS# 449421

Copyright 2009 Daviess County Teachers Federal Credit Union