Personal Loans


A personal loan is a type of loan that is usually secured only by your creditworthiness. This is different than a car loan, for example, where the value of the car provides security for the loan. The vehicle loan’s rate is lower because the risk is lower.

However, there may be times when you need to borrow money and don’t have anything to provide as security. This may include:

  • Debt consolidation from higher-rate loans such as a “Payday Lender”
  • Unexpected expenses such as a vehicle repair

Other options to consider include Secured Loans or a low rate DCCU credit card.

Want to learn more? Visit any of our convenient locations or apply online.

Personal Loan Rates Min APR Max APR
0 - 24 mos 11.50% 17.75%
25 - 48 mos 12.50% 18.00%

View all loan rates

Applying is easy!

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Share/Certificate-Secured Loans

A Share/Certificate-Secured Loan my be a good idea if you’re looking to build your credit or you need to make a necessary purchase and don’t want to take from your savings. With a Share/Certificate-Secured Loan you choose which of your accounts you’d like to borrow against (Share Savings, Club Accounts, Money Market, or Certificate) and receive a low-rate loan, while still earning interest on your financial resources on deposit.

Your loan term on a Share/Certificate-Secured Loan depends on which account you specify to use:

  • Share Savings, Club Accounts, and Money Market – maximum 60-month term
  • Certificates – term cannot exceed the certificate maturity date
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