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Share Savings: A regular share savings account is the first step every new member takes toward their lifetime relationship with Tidewater Dominion EFCU. The regular share savings account is the primary account required for all Tidewater Dominion EFCU members.  A $5.00 minimum balance is required in a regular share savings account and dividends are paid quarterly on balances of $25.00 or more.

Share Draft (Checking): A checking account from your credit union offers you the savings and convenience you want to manage your personal day-to-day finances. Tidewater Dominion EFCU offers share draft checking accounts with no minimum balance requirements, no monthly maintenance fees or service charges and unlimited check-writing privileges.

Christmas Club: Tidewater Dominion EFCU offers 52-week Christmas Club savings accounts to its members. Credit Union members may open a Christmas Club account prior to June 1st of the Club year. Withdrawals are not permitted although deposits can be made at any time.
Christmas Club funds are deposited to the credit union member's primary share or draft account the first of October annually.

Club I: Special Share Account (Club One) is available to make savings convenient and profitable for our members. Club One accounts pay quarterly dividends at the same rate as the primary share account.

Club II: Vacation Club (Club 2) savings help you save for that special "get-a-way" no matter what time of the year you open the account. There is no start or end time for the Club 2 accounts and dividends are paid quarterly at the same rate as our Christmas Club savings.

Share Certificates: Share Certificates from Tidewater Dominion EFCU are an excellent investment opportunity if you do not need immediate access to your funds and want to invest for longer periods to obtain high rates of return. We currently offer 6 month, and 1-5 year terms; why not consider "laddering" your investment to utilize our best rates.


  • Vehicle - We make your car buying experience a breeze! Finance your new or used car, truck or van at Tidewater Dominion EFCU. We offer flexible financing terms and competitive rates.
  • Personal - Whether an unexpected medical expense, you need a little extra money to take along on that trip you've been planning, or the hot water heater just went on the blink ... whatever your need, a personal loan may be right for you. Personal Loans are available from $500 - $5,000 for a maximum of 36 months.
  • Share Secured - This is a great loan product for the member who doesn't want to withdraw saved funds. Just borrow up to 100% of the funds you have on deposit with us and we'll offer you a rate equal to our most recent dividend plus 3.00% APR.
  • Visa Credit Card - Discover the convenience and worldwide acceptance of our credit cards. With our low rates and low or no annual fees, a credit card from your Credit Union is an ideal way to pay for purchases and travel expenses.
  • Mortgage Loans - Tidewater Dominion EFCU offers fixed rate, fixed term second mortgage loans to members secured by the equity in their home in the form of a second deed of trust. The minimum second mortgage is $10,000 and the maximum is $40,000. The lending area for second mortgage loans includes all cities in Tidewater, including the Peninsula and Suffolk.


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