DCCU Routing # 251483311





Auto Loans

The Auto Loan that Pays You 90 Days of Interest

Finance your next vehicle or refinance your current one and receive 90 days of interest! Plus, make no payments for 90 days.


Receive 90 Days of Interest with a DCCU Auto Loan

Plus, no payments for 90 days

For a limited time, finance or refinance your vehicle with DCCU and receive 90 days of interest paid to you. With great rates and no payments for 90 days, consider DCCU for your next auto loan. Expect more and save with the auto loan that pays you!

Rates as low as:

3.99% APR
on new vehicles

4.49% APR
on used vehicles 2016 and newer

Don't wait - Offer ends July 31, 2025.

Questions? Visit one of our 14 convenient locations or call 540-946-3200 today.

DCCU will deposit the equivalent of 90 days of interest, up to $250, to your savings account between 91 and 95 days of the loan funding date; member is solely responsible for any personal tax liability arising out of this deposit. Existing DCCU loans are not eligible for this offer. Loan must be open for at least 90 days with the first scheduled payment made to be eligible for the 90 days of interest, up to $250. Rates quoted assume excellent borrower credit history. New vehicle payment example of 3.99% APR, max 80% LTV-36 monthly payments of approximately $29.42 per $1,000 borrowed. Used vehicle payment example at 4.49% APR, max 80% LTV-36 monthly payments of approximately $29.63 per $1,000 borrowed for 2016 and newer vehicles. Rates accurate as of 6/1/2025 and subject to change. Terms, restrictions, and fees may apply. Credit and collateral subject to approval. 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%%%%used-auto-84.low%%%%used-auto-84.high%%

Example auto loan payment: 6.19% APR for 36 monthly payments is approximately $30.51 per $1,000 borrowed.


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.


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: 

 


Resources

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.