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Loans
Loans in 60 seconds! Apply for a consumer loan on-line 24 hours a day, and you'll get an answer within a minute! Click on the "Loans" icon at the Personal Computer Banking section of our site. Denali Alaskan is dedicated to your financial success, and our round-the-clock loan applications/review is a part of our MemberPlus Service commitment.
You may also call us any time of day (257-RATE or 1-800-764-1123, option 4) if you'd prefer to talk to a Denali Alaskan lending professional. For Real Estate Loans try our Real Estate Loan Application or our Mortgage Application.
Denali Alaskan gives personal attention to the borrowing needs of our members by making a variety of loan programs available. Interest on loans is calculated using the simple method, and only on the unpaid balance, so you pay only for the period you use the money. There is never a penalty for early repayment.
Competitive rates and terms are offered in each loan category and we offer a flexibility in payment plans and options.
Click any of the following links for rate information:
Consumer Loan Rates
Real Estate Loan Rates
Credit Card Rates
Insurance Service Center
Denali Alaskan's Insurance Service Center reviews all consumer loans to insure you have the minimum required physical damage insurance for the full term of your loan. This covers all loans for cars, trucks, SUVs, boats, ATVs and other types of consumer loans. If you receive a letter from our Insurance Service Center asking for updated information on your loan, please call Center at 1-800-747-4490, fax them at 1-800-747-4496, or log on to www.myinsuranceinfo.com.
LOANS
Easy. No hassle. At Denali Alaskan, we have loans for almost anything you need -- at very competitive rates. Many offer a choice of rates based on the term you select and qualifications. Approvals are fast, too -- usually under two hours for consumer loans, and within two - three days for real estate loans. To save even more time, call us and we'll mail or fax you an application.
How to Borrow: Applying for a consumer loan has never been more convenient. Simply fill out the On-Line Loan Application and e-mail it to Denali Alaskan. Consumer loan applications are also accepted in person, by mail or fax, or by utilizing Loans By Phone. Mortgage loan applications ARE NOT available on-line or by Loans By Phone at this time. Please contact our Real Estate Loan Department for an application and more information.
Loan by Phone: Loan by phone specialists are on call 24 hours a day, 7 days a week. Dial (907) 257-RATE (257-7283) or toll free 1-800-764-1123, option 4, and we'll walk you through the loan application process.
Mortgage Lending: Denali Alaskan Mortgage offers competitive rates, low closing fees and a MemberPlus Service commitment to your needs. Call Denali Alaskan Mortgage at 522-3570, in Anchorage, or 866/450-DAFS from anywhere else in Alaska or the United States. You can also fill out a mortgage application on-line at www.damortgage.com.
Real Estate Lending: Denali Alaskan's Real Estate Lending Department offer loans for construction, FHA Title I Home Improvement Loans, Equity Lines of Credit and raw land. The Real Estate Lending Department, located at 400 W. Benson Blvd., is on call to help you with these lending services; please call (907) 257-9416 to speak to someone in Real Estate or apply online with our Real Estate Loan Application.
VISA Credit Card: Even if you already have a major credit card, you will find that a Denali Alaskan Federal Credit Union VISA card adds exceptional value to the convenience and flexibility in managing your personal finances. Denali Alaskan offers four types of variable rate VISA credit cards: VISA Platinum, Gold, Classic and Share Secured. All of our cards offer competitive rates and fees and many other great benefits. Denali's VISA credit cards are also"uniquely Alaskan" as they feature beautiful photos of Alaska from moose to gold miners to Northern Lights.
Payroll Deduction/Automatic Payments: Payroll deductions or automatic transfers from your savings account are available to make budgeting easier and eliminate the chance of missing a payment.
Loan Insurance: Life and disability insurance are available for credit coverage. Premium amounts are very reasonable and are quoted at the time of application and your loan closing.
CREDIT CARDS/VISA CARDS
Because we know our members use their Visa cards differently, we offer four types of variable rate Visa cards for whatever you and your family need. Select the option that best fits your lifestyle and credit card use. Our VISA cards are hard to beat.
VISA Platinum
The ultimate Denali Alaskan VISA Card ...express your purchasing power with a Platinum card! The large credit limit insures you have the necessary credit to support your lifestyle.
Unique Product Features and Benefits
Credit Limit: $5,000 to $20,000.
Annual Percentage Rate:
Prime Interest Rate + 4.25% (variable).
minimum 6.00% with maximum 18.00%
No annual fee
Free travel insurance $500,000.
Additional benefits include: Auto Rental Insurance, Emergency Card/Cash Disbursement, Lost/Stolen Card Reporting, Mass Merchant Acceptance, VISA Assistance Center, Zero Liability, Warranty Manager Service, Travel & Emergency Assistance Services and Purchase Security.
Visa gold:
The "gold standard" of credit cards provides higher spending limits than the Share Secured or Classic card.
Unique Product Features and Benefits
Credit Limit: $5,000 to $10,000.
Annual Percentage Rate:
Prime Interest Rate + 4.75% (variable).
minimum 7.50% with maximum 18.00%
No annual fee.
Free travel insurance $250,000.
Additional benefits include: Auto Rental Insurance, Emergency Card/Cash Disbursement, Lost/Stolen Card Reporting, Mass Merchant Acceptance, VISA Assistance Center, Zero Liability, Warranty Manager Service and Travel & Emergency Assistance Services.
Visa Classic:
A great introductory card, the Classic VISA offers worldwide purchasing power, low interest rates and more than 50 years of Denali Alaskan commitment to member service.
Unique Product Features and Benefits
Credit Limit: $500 to $5,000.
Annual Percentage Rate:
Prime Interest Rate + 6.50% (variable).
minimum 8.50% with maximum 18.00%
No annual fee.
Free travel insurance $150,000.
Additional benefits include: Auto Rental Insurance, Emergency Card/Cash Disbursement, Lost/Stolen Card Reporting, Mass Merchant Acceptance, VISA Assistance Center and Zero Liability
Share Secured VISA:
The Share Secured VISA is perfect for members wishing to establish, rebuild, or repair credit.
Unique Product Features and Benefits
Credit Limit: $500 to $5,000.
Annual Percentage Rate:
Prime Interest Rate + 7.50% (variable).
minimum 9.00% with maximum 18.00%
Share secured deposit required of 120%
Nominal Annual fee of $15.
Free travel insurance $150,000.
Additional benefits include: Auto Rental Insurance, Emergency Card/Cash Disbursement, Lost/Stolen Card Reporting, Mass Merchant Acceptance, VISA Assistance Center and Zero Liability.
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