DCCU Routing # 251483311





Auto Loans

Drive Now. Pay Later. Win!

With a DCCU Auto Loan, you can purchase or refinance your vehicle now, make no payments until 2025, and be automatically entered to win $250!


DCCU has the Auto Loan that Fits Your Needs

With a DCCU Auto Loan, you can purchase or refinance your vehicle now, start your payments in 2025, and be automatically entered to win $250!

With great rates and 300 chances to win, now is a great time to consider an auto loan from DCCU. 

DCCU offers vehicle loans for:

Cars, Trucks, and Passenger Vans

Motorcycles

RVs and Campers

(not eligible for sweepstakes or 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. Rates accurate as of 10/1/2024 and subject to change. Rates quoted assume excellent borrower credit history. Terms, restrictions, and fees may apply. Credit and collateral subject to approval. Sweepstakes is limited to those who finance or refinance a new or used vehicle not currently financed by DCCU. A total of 300 winners will be randomly selected from loans funded during the promotion period of 10/1/2024 – 1/7/2025. The $250 prize will be deposited into winners’ main share savings account after the drawing. No purchase necessary. 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

Rates accurate as of 02/01/2023. Rates are subject to change without notice.
Vehicles 2016 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.


Resources


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)

Employment: 

  • 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.