DCCU Routing # 251483311
DCCU Routing # 251483311
This fall, your next adventure starts with DCCU. For a limited time, finance or refinance your vehicle with DCCU and receive 90 days of interest paid to you (up to $250). With great rates and no payments for 90 days, now is the time to consider the auto loan that pays you.
Rates as low as:
3.99% APR
on new vehicles
4.99% APR
on used vehicles 2017 and newer
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. Rates accurate as of 10/1/2025 and subject to change. Terms, restrictions, and fees may apply. Credit and collateral subject to approval. Membership required.
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 2017 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%% | %%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
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:
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:
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:
Loan Information:
Employment:
Monthly Expense:
References (2):
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.