60th Anniversary Celebration

A Message from Our CEO:

As we celebrate our 60 ^th Anniversary Year, I remain humbled to work for an award winning first state favorite credit union. As I reflect on Dover Federal's history and growth over the past 6 decades, it remains obvious to me, that the members’ best interest has always been at the core of our existence. Dover Federal Credit Union remains a financially sound institution with a deep commitment to safeguarding members’ assets, ensuring future growth and improving the member experience.

Throughout 2018, Dover Federal Credit Union will be celebrating our anniversary with specials and promotions designed to save you money or earn you more interest. Examples of these are evidenced in the current Credit Card Balance Transfer promo, No Appraisal Fee Home Equity loan offer as well as our June Anniversary specials and new tiered rate structure for term share certificates. We encourage all of our members to take advantage of these money saving offers.

As we look to remain a viable financial institution for the next 60-years, our vision revolves around the following pillars - Culture, Community, Financial Literacy and Legendary Service. These will undoubtedly drive us into the future. While 2017 again presented some unique challenges for Dover Federal Credit Union, we remain dedicated to improvement. We will continue to focus our efforts on improving the member experience, our product offering, our internal operations and making it easy for you to do business with us. I promise my steadfast commitment to improving the lives of our employees, members and communities.

Regards,

Chaz Rzewnicki, CEO

PROMOTIONS! PROMOTIONS! PROMOTIONS!

New and Used

Auto Loans as low as 2.60% APR*

for 60 mths

June 1 - 30, 2018

60 Purchases Paid

for 60 Members

in 60 Days~

Choose credit and not debit when using your DFCU Debit card and be automatically entered.

60 Month Certificate

2.60% APY`

($500 - $100,000 Deposit)

June 18 - 23, 2018

One term share certificate per member account number

NO APPRAISAL FEE ^

HOME EQUITY LOAN!

HURRY, this offer won't last long!

Consolidate Debt
Convenient Repayment Terms
NO Pre-Payment Penalties

ACT NOW

TRANSFER High Rate Credit Card Balances to DFCU Credit Card for a Lifetime Rate

as low as 5.99%APR**

APPLY before JUNE 7

to take advantage of this LIMITED TIME OFFER!

Online Banking | Disclosures and Security | Routing Number: 231176648 Dover Federal Credit Union's E-Bulletin is an email publication for members of

Dover Federal Credit Union • 1075 Silver Lake Blvd. • Dover, DE 19904. Contact Us: 302-678-8000 or toll-free 888-818-3328

All rights reserved. No part of this publication may be reproduced or transmitted in any form or by any means other than in original format without written permission. Request for permission to use or copy any part of this publication should be addressed to e-info@doverfcu.com

Federally Insured by NCUA. Equal Opportunity Lender.

*APR = Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of the loan. Offer valid for a limited time only and loan is subject to credit approval. Rate is subject to change. An additional .50% rate discount is available with a requirement of automatic loan payment transfers, direct deposit of net pay and a DFCU checking account.Financing up to the retail value of vehicle is available. Refinancing of existing Dover Federal Loans may be available. Applications must be submitted between 6/01/18 - 6/30/18 and loan must be funded by 7/15/18 for rate eligibility. `APY = Annual Percentage Yield; APY may change at any time as determined by the Board of Directors. Additional rates and terms available. Penalties may be imposed for early withdrawal of funds on Share Certificates. Fees may reduce earnings on accounts. Membership eligibility required. See credit union for details. Offer excludes brokerage services. Only one certificate per member account number. $500 minimum to $100,000 maximum deposit. Offer only valid from 6/18/18 - 6/23/18 ~Must have DFCU checking with direct deposit, and perform 5 monthly POS transactions. Debit card transactions, that use a Point of Sale purchase option between 6/1/18 - 7/31/18 and select credit and not debit when paying, will be entered for a chance to have a daily purchase reimbursed for up to $60. Randomly selected winner(s) will receive a one-time credit equal to their purchase, up to $60. The more your card is used, the more chances you earn. Offer may not be combined with any other offers or discounts, unless otherwise noted. ^No Appraisal Fees on Home Equity loans and HE Lines of Credit applications received and funded between 4/1/18-6/30/18. Fee waived at time of loan funding. Dover Federal Credit Union reserves the right to terminate the program at any time. Offer Subject to membership eligibility and credit approval. Refinancing of DFCU loans is available with a balance increase of $5,000 or more. Offer is valid for a limited time only. **APR is Annual Percentage Rate. The Annual Percentage Rate is the advertised rate, effective May 1, 2018. Rates and terms subject to change based on creditworthiness. Membership eligibility required. Terms and conditions apply. APR for Balance Transfers will be 5.99% - 13.90%, based on credit worthiness for transfers made 3/1/18 – 6/7/18. The stated balance transfer rate is applicable for the life of all balance transfer(s) made during the promotional period. The APR for balance transfers cannot be applied to purchases made within this time period. Balance transfers may not be used to pay any Dover Federal associated accounts. If your balance transfer request will exceed your available credit limit, we will process your transfer for less than the amount requested, in the order requested. It may take up to 14 business days to process payments to your other accounts after your balance transfer is processed. Should two or more late payments occur in the course of a calendar year, the balance transfer rate may revert to the standard APR. Additional terms and conditions may apply. See credit union for details.