- Report: #1001613
Complaint Review: Digital Federal Credit Union
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| Digital Federal Credit Union
Internet United States of America |
|
Digital Federal Credit Union Charges High Annual Rate 5.99% vs 1.99% Internet
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I followed all the steps on line to apply for a car loan, the rate was 1.99%. But when I got the final document, the rate had jumped to 5.99%. I heard that DCU is a non-profit organization, so where is the 4% of car loan should go? The rate actually is high than my bank's 2.99%. That's crazy!
What they are saying:
Not-for-profit. Credit unions are not-for-profit financial cooperatives. We exist to serve our members, not to make a profit. Unlike most other financial institutions, credit unions do not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to our members in the form of lower loan rates, higher interest on deposits, and lower fees
What they are doing:
The rate is 2 times higher than my bank (2.99%) and 3 times higher than what they advertised (1.99%). Remember bank is seeking profit, but much lower than DCU!
This report was posted on Ripoff Report on 01/22/2013 10:14 PM and is a permanent record located here: http://www.ripoffreport.com/r/Digital-Federal-Credit-Union/internet/Digital-Federal-Credit-Union-Charges-High-Annual-Rate-599-vs-199-Internet-1001613. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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