Member Financial Assistance

DCCU cares about the health and financial wellness of our members. We’ve compiled a list of financial assistance options for members who may be impacted by the COVID-19 pandemic. Each of these programs and services has its own forms and disclosures. Read all disclosures carefully before signing any forms. If you have any questions or need additional assistance please do not hesitate to contact us at 800.245.8085.

Interest Only Loan Payment

An Interest Only Loan Payment* is for members who wish to temporarily reduce their monthly payment by only paying the interest amount. Members may request an Interest Only Loan Payment for up to 90 days during a time of temporary financial hardship. Each Interest Payment advances the next regular due date one month by paying an amount equal to one month interest on the principal balance. To request an Interest Only Loan Payment for one of the loans listed below, click Financial Assistance in Online Banking or the Mobile App, or contact the Service Center at 800.245.8085

  • Auto Loans
  • Personal Loans
  • Mortgage Loans
  • Home Equity 

Loan Payment Deferral - Interest Continues to Accrue

A payment deferral is designed to provide relief to members who have the capacity to resume making their monthly payments. Members may request a Loan Payment Deferral for up to 90 days during a time of temporary financial hardship. To request a Loan Payment Deferral for one of the loans listed below, click Financial Assistance in Online Banking or the Mobile App, or contact the Service Center at 800.245.8085. Please note: Finance Charges will continue to accrue at the normal rate. 

  • Auto Loans
  • Personal Loans
  • Credit Cards
  • Mortgage Loans
  • Home Equity

Small Business Assistance

SBA LendorThe Federal Government passed the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) to help support businesses and families impacted by COVID-19. The CARES Act expanded the SBA Section 7(a) loan program, also referred to as the Paycheck Protection Program (PPP), which aims to support small businesses. We are encouraging our small business borrowers affected by COVID-19 to apply for a loan with DCCU under this new program.

Apply Now

Visit the U.S. Department of the Treasury website for details regarding assistance for small businesses that can benefit from the Paycheck Protection Program.

Topics Include:

  • Program overview
  • Borrower information
  • Borrower Application Form

Additional SBA Resources

In addition to traditional Small Business Administration (SBA) funding programs, the CARES Act established several new temporary programs to address the COVID-19 outbreak. To learn more about what the SBA has available visit their Coronavirus Relief Options webpage.

Contact Us 

Other Options & Resources

In addition to the options above, here are a few more alternatives to consider when managing your finances during this time.

  • Complete a credit card balance transfer or apply for a credit card limit increase
  • Consider a debt consolidation loan with our Personal Loan 
  • Consider refinancing your higher rate auto loans from other lenders to possibly lower your monthly payments and make no payments for up to 90 days.**
  • Our partners at GreenPath can share options to support your current financial situation, and help you make a personalized plan.

Other restrictions may apply. All loans subject to credit approval. Membership required. Offers are subject to change at any time.

* To be eligible for Interest Only Payment or Loan Payment Deferral, you must be a member in good standing, and all loans and accounts must not currently be past due. For Loan Payment Deferral, Finance Charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth in your loan agreement during the deferral period.

** Payments cannot be deferred more than 90 days from the day of loan closing. Offer valid on auto loans not currently financed with DCCU.

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