DCCU Routing # 251483311
Receive great rates and make no payments for 90 days with a DCCU auto loan, so you can get the car, truck, or SUV you need - and start your payments later.1 Before heading to the dealership, apply for a no-obligation pre-approval. Knowing what you can afford will give you greater bargaining power and help you stay within your budget.
DCCU offers vehicle loans for:
Or visit one of our 14 convenient locations, or call 540-946-3200 today.
190 day payment deferral is not valid for auto loans currently financed by DCCU and cannot be deferred for more than 90 days from the day of loan closing. Commercial loans are not eligible for payment deferral. Terms, restrictions, and fees may apply. Offers of credit subject to creditworthiness. Membership required.
Receive 10% back on interest paid
At DCCU, we care about the financial wellness of our members. That's why we're giving you 10% back on interest paid on select DCCU loans with our Rebate Program. Now for qualifying accounts, you’ll receive a monthly rebate equal to 10% of the interest paid that month deposited into your DCCU Savings account.
Rates
Rates accurate as of 02/01/2023. Rates are subject to change without notice.
Vehicles 2015 model year and newer. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate.
| Term | New Vehicle Min. APR | New Vehicle Max. APR | Used Vehicle Min. APR | Used Vehicle Max. APR |
|---|---|---|---|---|
| 0 - 36 Months | %%new-auto-36.low%% | %%new-auto-36.high%% | %%used-auto-36.low%% | %%used-auto-36.high%% |
| 37 - 48 Months | %%new-auto-48.low%% | %%new-auto-48.high%% | %%used-auto-48.low%% | %%used-auto-48.high%% |
| 49 - 60 Months | %%new-auto-60.low%% | %%new-auto-60.high%% | %%used-auto-60.low%% | %%used-auto-60.high%% |
| 61 - 72 Months | %%new-auto-72.low%% | %%new-auto-72.high%% | %%used-auto-72.low%% | %%used-auto-72.high%% |
| 73 - 84 Months | %%new-auto-84.low%% | %%new-auto-84.high%% | - | - |
Example auto loan payment: 6.19% APR for 36 monthly payments is approximately $30.51 per $1,000 borrowed.
Resources
Auto Payment Calculator
Use this calculator to estimate what your auto payment would be by entering the purchase price, down payment, and estimated interest rate.
Estimate Now
The Pros and Cons of Refinancing an Auto Loan
When refinancing your auto loan, it's important to consider other factors besides a reduced interest rate and payment. Before you decide, consider these pros and cons.
Read Blog
10 Ways to Take the Stress Out of Car Buying
Purchasing a vehicle may be a big financial decision, but it doesn't have to be stressful. DCCU is here to help alleviate some of your car buying anxieties with these 10 tips.
Read Blog
Determining Loan Value
DCCU uses the J.D. Power (NADA) guide to determine loan values. Please be aware that auto dealers may use the Kelley Blue Book for trade-in values, which will often be more than J.D. Power (NADA).
Types of vehicles and the amount financed will usually include applicable rebates, taxes, titling fees, and warranty:
- New cars, passenger trucks, and motorcycles - up to 120% NADA Retail Value or 100% of Manufacturer's Suggested Retail Price (MSRP) Value
- Used cars, passenger trucks, and motorcycles - up to 120% NADA Retail Value.
- RVs and Campers - up to 105% financing (new or used)
Note: When DCCU cannot obtain a Retail Value (purchases only), only up to 110% of the sales contracted purchase price will be financed. This applies to autos, RVs, and campers.
Loan interest rates are based on the evaluation of your credit performance and that of any co-applicant or co-maker. All loans are subject to credit approval.
Additional Resources:
Protect Your Investment
What You'll Need to Get Started
So you’re ready to start your adventure, but have no idea how to get started? We’re here to help! With this handy guide, you’ll have a better idea of what you’ll need to prepare for the next step: filling out the DCCU auto loan application.
Vehicle Information:
- Make
- Model
- Year
- Mileage
Loan Information:
- Car Value
- Down Payment
- Loan Amount
- Loan Terms (desired in months)
Employment:
- Employer
- Monthly Income
Monthly Expense:
- Rent/Mortgage
- Job Expense (if any)
- Alimony
- Child Support
- Tax
References (2):
- First and Last Name
- Phone
- Relationship
- Address
- City
- State
- Zip
Note: If you are not a DCCU member you will need valid Driver’s License information, including ID number, expiration date, and issue date in order to apply.
Contact Us
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365,
Waynesboro, VA 22980
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365, Waynesboro, VA 22980
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