DCCU Routing # 251483311


Consolidate Debt or Cover Unexpected Expenses

Personal Loans

A personal loan is a type of loan that is usually secured only by your creditworthiness. This is different than a car loan, for example, where the value of the car provides security for the loan. The vehicle loan’s rate is lower because the risk is lower.

However, there may be times when you need to borrow money and don’t have anything to provide as security. This may include:

  • Debt consolidation from higher-rate loans
  • Unexpected expenses such as a vehicle repair
  • Alternative to a Payday Loan
  • Wedding Expenses

Personal Loan Rates

  • Line of Credit
  • Min. APR
  • 12.00%
  • Max. APR
  • 18.00%
  • 0 - 24 Months
  • Min. APR
  • 13.50%
  • Max. APR
  • 21.00%
  • 25 - 48 Months
  • Min. APR
  • 14.50%
  • Max. APR
  • 22.00%

Rates accurate as of 03/23/2023. Rates quoted assume excellent borrower credit history. Line of credit has a variable rate. Example personal loan: 12.75% APR for 24 monthly payments is approximately $47.42 per $1,000 borrowed. 

Share/Certificate-Secured Loans

A Share/Certificate Loan may be a good idea if you’re looking to build your credit or you need to make a necessary purchase and don’t want to take from your savings.  With a Share/Certificate-Secured Loan you choose which of your accounts you’d like to borrow against (Share Savings, Club Accounts, Money Market, or Certificate) and receive a low-rate loan, while still earning interest on your financial resources on deposit.

Your loan term on a Share/Certificate-Secured Loan depends on which account you specify to use:

  • Share Savings, Club Accounts, and Money Market – maximum 60-month term
  • Certificates – Term cannot exceed the certificate maturity date
  • Rates may vary. Contact us for more information about borrowing against a Share Account or Certificate.

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