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Signature Personal Loans

Pay off credit cards or invest in home improvements with our traditional personal loan.

At a Glance

Traditional personal loan – cash for any purpose.

Benefits

Terms up to 60 months - keeping your payments affordable on larger loan amounts.
Competitive fixed rates - your rate and payment remain the same for the life of your loan.
Save on your loan rate - with Plus or Relationship Checking benefits and make payments electronically.
AS LOW AS
11.99% APR

MAXIMUM TERM

60 months

INCLUDED DISCOUNT

0.50% for Plus and Relationship members

Traditional Signature Loans

Use for large purchases or to consolidate debt.

Terms APR¹ EMP² Per $1,000
Up to 60 Months 11.99% $22.24
Rates are effective May 11, 2025

¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ.  Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Credit and collateral are subject to approval.

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.

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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.