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Duke University Federal Credit Union

Popular Accounts at this Credit Union

0.15%1-year CD13-24 Month Share Certificate
0.03%SavingsSecond Share Account
0.20%2-year CD25-36 Month Share Certificate

Overview / Commentary
2200 W Main St Ste L100
Durham, NC 27705-4600

Duke University Federal Credit Union is headquartered in Durham and is the 21st largest credit union in the state of North Carolina. It is also the 1,323rd largest credit union in the nation. It was established in 1968 and as of September of 2017, it had grown to 30 employees and 15,976 members at 1 location. Duke University Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an alumni, retiree or employee of Duke University or be an employee or retiree of Duke University Health System or an immediate family member or household member of those listed above.
See current membership details

Reviews (2)

Duke Credit Union

Posted by: Lyndata | Oct 7, 2017

I have been a member of the Duke Credit Union for nearly 20 years. When I began my job at Duke University Medical Center, I opened a checking and savings account. I use my checking account for direct deposit of my paycheck. The credit union main branch is located close to my work area. When I need to make a physical deposit or physical withdrawal, I go into the main branch. The parking is very easy, and they have someone sitting at front to greet you as you enter the branch. They are always very helpful and cheerful. When I go to the teller, the teller is always nice and helps me with all my banking needs. I would recommend anyone to bank at this institution.

Pro's And Con's But Mostly Cons...

I have been a member for quite some time.  Over time the Credit Union gets less and less desirable.  You can only use your debit card 10times per month before they start penalizing you.  If you use your over draft protection it counts as a transfer.  After 6 transfers of any kind among your own accounts it locks you out for the rest of the month.  With this lockout any overdraft gets refused and they start charging you 32.00 per transaction.

It just seems as if over the past few years tehy are trying their best to charge you for everything they possibly can.  I think we will be looking elsewhere to not have all our saving stolen with fees and charges.

Other downside is that there is basically one branch so you have no access to ATM's ever unless you are at the hospital.  You end up in WalMart buying gum to get cash.

Last con is the customer service.  Inside the branch everyone is very nice for the most part.  The greeter up front is usually this really nice lady that checks you in etc.  I have only had two dealings with the manager and she is strictly by the book.  By the book to the point of being rater demeaning and a bit rude.  She is very different from any other bank manager that Ihave ever dealt with.

Overall if you are only doing the basics and dont use and banking services this place is fine, but if you ever need your bank in your corner this may not be the place for you


Health Grade Components

NCUA #18616
Year Chartered1968
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD6.73%
Annual Interest Income$3.1MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$136.7MM$133.0MM
LoansQ3 2017vs Q3 2016$65.6MM$60.1MM
DepositsQ3 2017vs Q3 2016$125.5MM$122.3MM
Equity CapitalQ3 2017vs Q3 2016$10.3MM$9.9MM
Loan Loss AllowanceQ3 2017vs Q3 2016$483.00K$531.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$336.00K$472.00K
Real Estate OwnedQ3 2017vs Q3 2016$109.00K$39.00K
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Duke University Federal Credit Union Savings Account Rates

0.09%--Rainy Day Share Account
0.09%$25-IRA Savings Account
0.03%$25-Savings Account
0.03%--Club Accounts
0.03%--Second Share Account

Duke University Federal Credit Union Money Market Rates

0.07%$500-Money Market Account

Duke University Federal Credit Union CD Rates

0.20%$500-25-36 Month Share Certificate
0.15%$500-13-24 Month Share Certificate
0.10%$500-6-12 Month Share Certificate

Duke University Federal Credit Union IRA Rates

0.20%$500-25-36 Month IRA Certificate
0.15%$500-13-24 Month IRA Certificate
0.10%$500-6-12 Month IRA Certificate

Duke University Federal Credit Union Locations
Branch Office2200 W Main St Ste L100Durham, NC 27705-4600