Home  >  Rates Menu  >  Consumer Loan Rates

Consumer Loan Rates

Rates effective beginning September 9, 2008. APR = Annual Percentage Rate.
Boat and RV Loans – Fixed Rate | Boat and RV Loans – Variable Rate | Small Boats and RVs
Personal Aircraft | Access Loans | Stock Loans

Boat and Recreational Vehicle Loans – Fixed-Rate
For New or Used Motor Homes, Travel Trailers, Camping Trailers, and Boats
Qualified borrowers can finance up to 120% of the purchase price – enough to cover sales tax, filing fees, and more.
Term Our Best Rates¹
  APR Estimated Monthly
Payment per $1,000
Up to 36 Months 5.60% $30.24
Up to 48 Months 5.85% $23.42
Up to 60 Months 6.35% $19.50
Up to 72 Months 7.60% $17.34
Up to 84 Months 7.85% $15.51
Up to 120 Months 7.85% $12.05

Boat and Recreational Vehicle Loans – Variable Rate
For longer-term loans on New or Used Motor Homes, Travel Trailers, Camping Trailers, and Boats
Qualified borrowers can finance up to 120% of the purchase price – enough to cover sales tax, filing fees, and more.
Terms – Rates and payments are fixed for the first three years, then can change once a year thereafter until the end of the term.
Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan.
Margin/Index – When the rate begins to adjust, the margin is the amount the rate is above the index rate. The index rate is the 52-week T-Bill yield.
Term / Description Our Best Rates¹
APR Initial / Annual / Life Rate Change Caps Margin / Index Estimated Monthly Payment per $1,000
Variable-Rate Boat or RV Loan – up to 20-year term
Units with bathroom, kitchen, and sleeping area
 6.35% 2% / 2% / 6% 2.00% / 2.12 $7.37
Variable-Rate Boat or RV Loan – up to 15-year term
 6.35% 2% / 2% / 6% 2.00% / 2.12 $8.63
¹ Rates are determined by your personal credit history, account relationship, and payment method.
Back to beginning

Personal Aircraft Loans – Variable Rate
Qualified borrowers can finance up to 90% of the Blue Book or appraised value.
Terms – Rates and payments are fixed for the first three years, then can change once a year thereafter until the end of the term.
Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan.
Margin/Index – When the rate begins to adjust, the margin is the amount the rate is above the index rate. The index rate is the 52-week T-Bill yield.
Term / Description Our Best Rates¹
APR Initial / Annual / Life Rate Change Caps Margin / Index Estimated Monthly Payment per $1,000
Variable-Rate Personal Aircraft Loan – up to 15-year term
 6.35% 2% / 2% / 6% 2.00% / 2.12 $8.63
¹ Rates are determined by your personal credit history, account relationship, and payment method.
Back to beginning

Small Recreational Vehicle Loans
For new or used off-road motorcycles, snowmobiles, ATVs, Segway™ Human Transporters, and personal watercraft.
Qualified borrowers can finance up to 120% of the purchase price – enough to cover sales tax, filing fees, and more.
Term Our Best Rates¹
  APR Estimated Monthly
Payment per $1,000
Up to 36 months 8.60% $31.61
Up to 48 months 8.85% $24.81
Up to 60 months 9.10% $20.81
¹ Rates are determined by your personal credit history, account relationship, and payment method.
Back to beginning

Access Loans
Available for any product, device or building modification designed to assist individuals with a disability.
No down payment required.
Term Our Best Rates¹
  APR Estimated Monthly
Payment per $1,000
Up to 36 Months 8.60% $31.61
Up to 48 Months 8.85% $24.81
Up to 60 Months 9.10% $20.81
Up to 72 Months 10.35% $18.70
¹ Rates are determined by your personal credit history, account relationship, and payment method.
Back to beginning

Stock-Secured Loans
Borrow up to 85% of market value, loans up to $200,000. Terms up to 120 months.
Term Our Best Rates¹
  APR Estimated Monthly
Payment per $1,000
Up to 36 Months 5.60% $30.24
Up to 48 Months 5.85% $23.42
Up to 60 Months 6.35% $19.50
Up to 72 Months 7.60% $17.34
Up to 84 Months 7.85% $15.51
Up to 120 Months 7.85% $12.05
¹ Rates are determined by your personal credit history, account relationship, and payment method.
Back to beginning
Jump over navigation links to end of page
What's New at DCU | Join Us | New Member Guide | Links | Branches | ATMs | Feedback | Help
Digital Federal Credit Union
Digital Federal Credit Union
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
508.263.6700 • 800.328.8797
 DCU is an Equal Housing Lender    Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Select for more information.

© 2008. Digital Federal Credit Union