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DCU Routing Number: 211391825

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    Financial Relief Programs

    If you are experiencing a financial setback, our team of wellness experts is here to help

    Overview

    DCU's team of wellness experts are here to help you by offering financial obligation relief and assistance plans, should they become necessary.

    What to Expect

    Custom Programs Whether you are facing a 3-6-month hardship, or your financial situation has changed permanently (such as a divorce, death, injury, etc.) DCU's team of wellness experts will work with you to create a custom program based on your current situation.
    Financial Health Check An extensive review of your DCU account, monthly income, and monthly expenses will take place to see which options are right for you to help put you back on the road to financial recovery.
    Contact Us To request a conversation with a wellness expert, please login to Digital Banking and navigate to the Membership tab to fill out a Financial Relief Form.
    Gather Documentation Please gather your documentation while waiting for DCU to contact you. A complete application package will help speed up the review and decision process. For consumer loans such as vehicle loans, personal loans and Visa® credit cards, we may only need proof of income.
    Documentation Review Once your application is received, you will be notified within 5-7 business days confirming completion or if additional information is needed for review. Allow up to 30 days for review on real estate loans and up to 14 days on consumer loans such as (Auto, Visa®, Solar, Personal, etc) The timeframe for review is based on completed application.
    Documentation

    Proof of Income

    Proof of income for all stated income sources (generally 2 most recent paystubs within the last 30 days or account statement showing that direct deposits were made) Also, your most recent 401(k) and/or retirement plan statement.

    Hardship Letter

    Hardship letter that explains the change in your financial situation.

    Property Value

    Most recent mortgage statement, if loan is held outside of DCU. A copy of homeowner’s insurance and property tax bill. If property is listed for sale, please provide full listing agreement.

    Supporting Documentation

    Any other documentation you would like to provide to support the financial hardship
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    Financial Relief Request Form

    Sign in to Digital Banking and navigate to the Membership tab to submit, and we'll respond within 5-7 business days.
    Sign in to Digital Banking and navigate to the Membership tab to submit, and we'll respond within 5-7 business days.
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    Financial Relief Programs

    Our approach is the same whether you have a mortgage, credit card, auto loan, or any other type of loan with us. Depending on your current situation, a wellness expert can help determine which options are best suited for your needs.

    Some possibilities for Auto, Personal, Visa® and Solar include:

    • Deferment — Defer one monthly payment and apply it to the end of your loan.  
    • Interest-only payments — This program is designed for members that are in a temporary hardship that will be resolved within 3-6 months or have already fallen behind on their DCU payments and need help to catch up. The number of months that are reduced to interest-only payments will be applied to the end of the loan. For example, if you are approved for 3 months of interest-only payments, the term of your loan will be extended by 3 months
    • Work Out Loan — This program is designed for members whose financial situation has changed permanently (such as a divorce, death, injury, etc.). A Work Out Loan may allow you to change the original terms of your loan agreement and put you into a payment that is affordable. An extensive review of your DCU account, monthly income, and monthly expenses will take place to see if this option is right for you.
    • Re-Age — This program is designed for members that are already delinquent on their loan more than 180 days. A Re-Age allows a member to bring the loan completely current by adding the delinquent payments to the end of the loan, extending the maturity date by the number of payments missed.
    • Other Options — DCU has other financial wellness and recovery programs available. Please fill out the Financial Relief Form found within the Membership tab in Digital Banking.

    Our approach is the same whether you have a mortgage, credit card, auto loan, or any type of loan with us. Depending on your current situation, a wellness expert can help determine which options are best suited for your needs.

    Some possibilities for mortgages and home equities include:

    • Temporary Loan Modification — This program may allow a member a temporary reduction of payments or a reduction in the interest rate. Based on the members' financial situation, DCU may allow a modification on the original terms of the mortgage note to reduce the monthly payment to a more affordable level. The reduction of the interest rate and payments could be from 6 months to 1 year depending on the members' situation. After the assistance period has ended, payments are reverted back to the original terms.
    • Rewrite (Amending Terms of the Loan) — This program allows a member the ability to restructure the mortgage note or home equity loan by lowering the interest rate and monthly payment. The loan would then be recalculated to establish a new monthly payment.
    • Refinance — This program allows a member experiencing a hardship the ability to be brought current by refinancing the loan. A refinance is paying off an existing mortgage or home equity loan to structure a new loan secured by the same property.
    • Re-Cast — This program allows a member who has recovered from a financial hardship the ability to be brought current by Re-Casting the loan. The past due amount along with any applicable fees are added to the current principal balance owed and the loan is then recalculated to compute a new monthly payment based on the remaining term of the loan.

    Financial Relief Request

    Need to talk to a financial wellness expert? Submit a relief request in online banking and we'll respond within 5-7 business days.

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    Member Assistance Program

    During uncertain times, we want you to know you can count on us. To help ease the financial stress you may be under, we have made modifications to our fee structure and have updated the terms of some of our products.

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    Urgent Business Finance Options

    Apply for emergency loans in Digital Banking.
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    Resources

    DCU has a number of resources available for all members no matter what stage you are in your financial situation. Whether you just want a hand in creating a monthly budget, or if you need some relief on loan payments, DCU has the means and resources to provide you with the assistance you need. Some services and programs we provide are: 

    BALANCE Financial Fitness Program  

    We've contracted with BALANCE – experts in debt and budget management. DCU Members can get free unbiased financial advice and assistance through them. They provide many valuable services and can help you with:

    • Reviewing your credit report
    • Negotiating with creditors and coming up with a debt management plan
    • Preventing bankruptcy
    • Money management including help balancing your check book, buying a home, goal setting, etc.
    • Bill payment schedules and advice on the quickest way to pay down debt

    Using the services of BALANCE is free to DCU Members. BALANCE can be reached at 888.456.2227. Counselors are available Monday through Thursday, 8am to 11pm (EST), Friday 8am to 8pm and Saturday from 11am to 8pm.

    Financial Education

    DCU's Financial Education Center empowers our members to become financially savvy by providing educational tools and resources.

    Topics include:

    • Banking Basics
    • Planning and Saving
    • Credit and Borrowing
    • Financial Health

    Related Links

    • Payment Protection – Ease your loan payments, protect your family, and safeguard your credit rating.
    • Guaranteed Asset Protection – If your car is totaled or stolen, this optional loan add-on covers the difference between the insurance settlement and the loan balance.
    • DCU Insurance –DCU Insurance offers insurance with the personal service you deserve. So whether you have Homeowners Insurance or need it, DCU Insurance could be the right choice for you.
    • How finance charge are computed –Discover how DCU calculates finances charges on your loan accounts.
    • StreetWise guide to Credit and Credit Management – This section of StreetWise will talk about credit – how it works, how to use it responsibly, how to know if you are having difficulty with credit, and what to do if you are.

    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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