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DCU Routing Number: 211391825

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    Savings Secured Loans

    Preserve hard-earned savings - borrow against your wealth instead of spending it.

    APPLY NOW

    At a Glance

    It can take a long time to build up your savings and a short time to spend it. With Savings-Secured Loans, you can use your savings as collateral, borrow at economical rates, and keep your savings intact.

    Benefits

    Preserve your hard-earned savings – use your savings as collateral, borrow at economical rates, and keep your savings intact.
    Borrow against - your DCU Savings Account balance or your DCU Certificate Accounts.
    Rebuild your credit - repaying a Savings-Secured Loan on time can help you rebuild your credit.
    AS LOW AS
    3.50% APR

    MAXIMUM TERM

    120 months

    Savings Secured Loans

    Terms APR¹ EMP² Per $1,000
    Up to 120 Months 3.50% $9.89
    Rates are effective

    ¹APR = Annual Percentage Rate. Rates listed are for this product only and are subject to change at any time.

    ²EMP = Estimated Monthly Payment

    *In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.

    Certificate-Secured Loans

    Terms APR
    Up to 60 Months Term¹ Certificate Dividend Rate + 3.00%
    Rates are effective

    ¹The Annual Percentage Rate (APR) will be the dividend rate of the certificate securing the loan + 3%. For example, a certificate-secured loan secured by a 60-month certificate with a dividend rate of 0.90% will have an APR of 3.90%. The estimated monthly payment on a 48-month certificate-secured loan with an APR of 3.90% would be $22.53 per $1,000 borrowed. Loan must be paid in full prior to the certificate maturity date. Certificate rate used in this example is for illustrative purposes only and is subject to change at any time. See dcu.org for current certificate rates.

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    *DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.

    853 Donald Lynch Boulevard
    PO Box 9130
    Marlborough, MA 01752-9130

    ABA Routing Number: 211391825
    NMLS# 466914

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    Federally insured by NCUA

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