help desk software

DCCU Routing # 251483311

Auto Loans

Average Savings of $850*

when you refinance your auto loan with DCCU.

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

On average, our members save $850* when they refinance their non-DCCU auto loan. With great low rates and no payments for 90 days1, 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. 

Rates as low as 0.99% APR for New v

DCCU offers vehicle loans for:

Cars, Trucks, and Passenger Vans


RVs and Campers

Or visit one of our 13 convenient locations, or call 540-946-3200 today.


*Estimated savings is based on the average interest savings based on DCCU’s historical refinanced auto principal balance, average interest rate of previous non-DCCU auto loan, and average loan life of 29 months. Actual savings may vary. Rates quoted assume excellent borrower credit history. New vehicle payment example of 1.49% APR, max 80% LTV-36 monthly payments of approximately $28.42 per $1,000 borrowed. Used vehicle payment example at 1.99% APR, max 80% LTV-36 monthly payments of approximately $28.64 per $1,000 borrowed for 2013 and newer vehicles. 2012 and older vehicle payment example at 3.00% APR, max 80% LTV-36 monthly payments of approximately $29.08 per $1,000 borrowed. 190 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. Rates accurate as of 5/1/2022 and subject to change. Terms, restrictions, and fees may apply. Credit and collateral subject to approval. Membership required. 


Vehicles 2013 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%% - -

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.