DCCU Routing # 251483311
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Do everything you can do online, plus deposit checks and use your fingerprint or Face ID for quicker access to your account.
Try Our Mobile App
Do everything you can do online, plus deposit checks and use your fingerprint or Face ID for quicker access to your account.
An Auto Loan from DCCU Gives You More
Why settle for just a low rate? With DCCU, you get more at every turn – starting with competitive rates, built-in savings, and a rebate that puts money back in your pocket.
Rates quoted assume excellent borrower credit history. The average interest savings is based on DCCU’s average originated auto principal balance, average effective interest rate of DCCU auto loan vs. the national average rate, and average loan life of 35 months. Actual savings may vary. Example auto loan payment: 3.99% APR for 36 monthly payments is approximately $29.52 per $1,000 borrowed. 90 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. *Rebate and rates accurate as of 5/1/2026 and subject to change. Terms, restrictions, and fees may apply. Credit and collateral subject to approval. Membership required.
Receive 20% back on interest paid
At DCCU, we care about the financial wellness of our members. That's why we're giving you 20% back on interest paid on select DCCU loans with our Rebate Program. Now for qualifying accounts, you’ll receive a monthly rebate equal to 20% 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 2017 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%% | %%used-auto-84.low%% | %%used-auto-84.high%% |
Example auto loan payment: 3.99% APR for 36 monthly payments is approximately $29.52 per $1,000 borrowed.
Protect Your Investment
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:
Resources
Auto Payment Calculator
Use this calculator to estimate what your auto payment would be based on variables like the purchase price, down payment, loan terms, and estimated interest rate.
Estimate Now
How to Prepare for Your Next Car Purchase
Buying a car is an exciting opportunity to find the right vehicle that fits your needs, and a little preparation can be key to unlocking a smooth experience. Here we explore some considerations to keep in mind as you prepare to purchase a vehicle.
Explore Considerations
Why Refinancing Your Auto Loan Could Be a Smart Move
Explore how refinancing your auto loan could help you lower your monthly payments, reduce interest paid, or even adjust loan terms to fit your financial goals.
Read Blog
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
© 2026 DuPont Community Credit Union