DCCU Routing # 251483311

Auto Loans

No Payments for 90 Days

Get the car, truck, or SUV you need and start your payments later.

Get in the Driver's Seat with an Auto Loan from DCCU

Now is the time to finance or refinance a vehicle with DCCU. 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. Plus, when you finance a vehicle with DCCU, you make no payments for 90 days1!

DCCU offers vehicle loans for:

Cars, Trucks, and Passenger Vans


RVs and Campers

(not eligible for 90 day payment deferral)

Or visit one of our 14 convenient locations, or call 540-946-3200 today.


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. Terms, restrictions, and fees may apply. Offers of credit subject to creditworthiness. Membership required.

Loan Interest Rebate Eligible

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 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.

TermNew Vehicle Min. APRNew Vehicle Max. APRUsed Vehicle Min. APRUsed 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.


gray sedan driving down the road

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

Debt Protection

Provides relief from the financial burden of delinquency or default should a protected life event unexpectedly happen to you.

Guaranteed Asset Protection

Protects your investment if your vehicle is declared a total loss by insurance or is stolen.

Mechanical Repair Coverage

Helps you pay for unexpected repairs to your vehicle. Protect yourself and your investment from costly repairs.

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)


  • Employer 
  • Monthly Income

Monthly Expense: 

  • Rent/Mortgage
  • Job Expense (if any)
  • Alimony
  • Child Support 
  • Tax

References (2): 

  • First and Last Name
  • Phone
  • Email
  • 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.