Business Details
50+ Years
experience
Your Trusted Credit Union for Personalized Financial Solutions
Diablo Valley Federal Credit Union has served central Contra Costa County since 1961 as a member-owned cooperative financial institution. Founded by eight charter members with a combined deposit of $40, we operate under the credit union philosophy of 'people helping people' by prioritizing member benefits over profit. Our services include competitive auto loans with terms up to 84 months, personal loans with flexible terms, home equity lines of credit with no closing costs, and Visa credit cards featuring low APR options. As a federally insured institution through NCUA, we guarantee savings protection up to $250,000 while offering surcharge-free access to 30,000 ATMs nationwide.Our 24/7 digital banking platform enables seamless account management, bill payment, and loan applications. With a community charter since 2007, we serve residents, workers, and worshippers across 14 cities through personalized financial solutions. Our board of directors and management team, including CEO John Pamer, maintain a commitment to reinvesting profits into member benefits through favorable loan rates and enhanced digital banking technology.
Services
Auto Loans
Personal Loans
Home Equity Lines
Credit Cards
Checking Accounts
Certificates
IRAs
Mortgages
Mobile Banking
Bill Pay
Details
- Year established: 1961
Highlights and features
- We offer NCUA-insured accounts with savings protection up to $250,000
- Our 24/7 digital banking platform enables seamless account management
- We provide auto loans with terms up to 84 months for qualified borrowers
- Our community charter serves residents across 14 Contra Costa County cities
- We reinvest profits into member benefits through competitive loan rates
Associations and certifications
- NCUA
Services
Auto Loans
Diablo Valley Federal Credit Union offers competitive auto loans for new and used vehicles with terms up to 84 months. Qualified borrowers receive APRs ranging from 5.74% for 2024+ models to 11.98% for 2015-2019 models. Our financing options include 100% loan-to-value ratios for qualified applicants, enabling members to purchase vehicles without upfront down payments while maintaining favorable interest rates.
Home Equity Line of Credit
Our Home Equity Line of Credit program provides variable-rate financing with no closing costs for eligible homeowners. Members can borrow up to 80% of their home's equity at competitive APRs starting at 7.00%, with interest potentially tax-deductible. This flexible credit solution supports home improvements, education expenses, or debt consolidation while maintaining the security of fixed-rate terms and predictable monthly payments.
Visa Platinum Credit Card
The Visa Platinum Credit Card features low APR options starting at 9.90% with no annual fees or balance transfer charges. Cardholders earn uChoose Rewards points redeemable for travel, merchandise, and statement credits. This secure payment solution includes 24/7 fraud monitoring and global acceptance, complemented by online account management tools for budget tracking and payment scheduling.
Personal Loans
Flexible personal loan options range from 12 to 60 months with competitive rates for debt consolidation or major purchases. Unsecured signature loans require no collateral, while secured options using share certificates offer reduced APRs. Funds can be used for home appliances, furniture, or other personal needs with fixed monthly payments and transparent fee structures.
Checking Accounts
Our free checking accounts provide unlimited check writing privileges, direct deposit capabilities, and MasterCard debit card access. Members enjoy surcharge-free ATM transactions at 30,000 nationwide locations and 24/7 digital banking features including bill payment and mobile check deposit. Youth accounts for ages 16-18 include free checks when opened with parental co-signature.
People
John Pamer
Chief Executive Officer
John Pamer leads Diablo Valley Federal Credit Union's strategic operations with over 25 years of credit union leadership experience. He oversees member services, financial planning, and technological innovation while maintaining the institution's cooperative principles.
Randall King
Chairman
Randall King chairs the 2025 Board of Directors, providing governance oversight and strategic direction. As a volunteer board member, he represents member interests in policy decisions and long-term planning for the credit union's growth.
Greg Erickson
Vice Chairman
Greg Erickson serves as Vice Chairman of the 2025 Board, supporting governance initiatives and operational oversight. His volunteer leadership focuses on maintaining the credit union's community-focused financial services and member-centric philosophy.
Questions
Who is eligible to join Diablo Valley Federal Credit Union?
Residents, workers, students, or worshippers in central Contra Costa County cities qualify for membership through our community charter.
Are my savings insured at Diablo Valley Federal Credit Union?
Yes, all savings accounts receive NCUA insurance up to $250,000, backed by the full faith of the U.S. government.
What loan types does DVFCU offer?
We provide auto loans, personal loans, home equity lines, mortgages, and credit cards with competitive rates and flexible terms.
How can I access my accounts outside business hours?
Our 24/7 digital banking platform enables online account management, bill payment, and mobile check deposit from any device.
Does DVFCU offer business banking services?
While our primary focus is personal banking, we recommend contacting our Walnut Creek office to discuss specialized business account options.
