DCCU Routing # 251483311
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Do everything you can do online, plus deposit checks and use your fingerprint or Face ID for quicker access to your account.
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Register HereDCCU will be closed on Friday, July 4th, and Saturday, July 5th, in observance of Independence Day.
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.
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.
| 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:
- 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
Auto Payment Calculator
Use this calculator to estimate what your auto payment would be by entering the purchase price, down payment, and estimated interest rate.
Estimate Now
How to Prepare for Your Next Car Purchase
Buying a car is an exciting opportunity to find the right vehicle that fits your needs, and a little preparation can be key to unlocking a smooth experience. Here we explore some considerations to keep in mind as you prepare to purchase a vehicle.
Explore Considerations
Why Refinancing Your Auto Loan Could Be a Smart Move
Explore how refinancing your auto loan could help you lower your monthly payments, reduce interest paid, or even adjust loan terms to fit your financial goals.
Read Blog
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
- 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.
Contact Us
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365,
Waynesboro, VA 22980
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365, Waynesboro, VA 22980
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