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Member Services

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Account Services

Share Savings Account: The required members savings account must maintain a minimum balance of $50.00 at all times. The Share Savings Account makes you eligible for all the services the Credit Union has to offer.  At anytime your Share Savings Account falls below the minimum balance all privileges will be suspended.

Share Draft Checking Account:  No monthly service charge, no check limit, and no per item fee while maintaining a positive balance plus earn interest on your account.

Christmas/Vacation Club Accounts: Start a nest egg for Christmas or a grand Vacation. These accounts earn interest just like your Share Savings account. The funds are disbursed automatically the first week of November and May.  Early withdrawal allowed with fee.

Money Market Account: Opened this account with a $500.00 minimum balance.  The minimum $100.00 deposit is a secure way to start an emergency fund. This account earns a slightly higher interest rate than our Share Savings account. Money Market dividends are compounded monthly, with no penalty on withdrawals.

Share Certificate Account: A 6-month or 18-month investment account earns our highest rates. Open either account with a $2,000.00 minimum balance, which must be held until maturity. With a minimum $500.00 deposit watch your money grow. Share Certificate terms are for six (6) months or eighteen (18) months with dividends compounded monthly. An early withdrawal penalty may be imposed equal to 90 days dividends on the amount withdrawn.

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Loan Services

New Auto Loans: 100% financing upon qualification for up to 84 months.

Used Auto Loans: 100% financing of NADA Retail Value, months depend upon credit worthiness criteria.

Recreational Vehicles: Motorcycle, ATV's, Campers, Motor Homes, Boats, Jet Ski, make your spring, summer, fall and winter more enjoyable. 100% of new purchase price or NADA retail value.

Second Mortgage (Home Equity): By using your homes equity, qualified applicants can borrow up to $85,000.00 for use on improving your life long dreams and wishes.  Contact the credit union for more information.
 

Personal Loans: Home repair, family emergencies, kids camp, and more. With a Personal Loan most any type of situation can be covered.

Seasonal Loan: Six (6) month maximum $800.00 loan used for Christmas, Vacation, Back to School and more is paid back in six (6) months with payroll deduction or Direct Deposit.  Seasonal loan borrowers are required to pay three (3) consecutive months of payments or six (6) semi-monthly payments before being eligible to re-apply for a loan renewal.

MasterCard: Apply for a MasterCard with your Credit Union’s name on it. See Plastic Cards

MasterCard Secure Card: Enjoy the full benefits of a true credit card at the lowest credit card rate. Your card limit is determined by the funds you secure in your Share Savings Account.  Build your credit score and establish a positive credit history.  See Plastic Cards

Check your MasterCard account on-line at www.ezcardinfo.com
 

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Other Services

If you have questions or need further information, please do not hesitate to contact us or stop by for a visit.

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DHS Credit Union
400 Deaderick St., Street Level, Nashville, TN 37248-1982
(615) 313-5585, (800) 235-0403, Fax: (615) 741-5007