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As High As
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APY
On Balances Up to and including $1,000.
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Home Equity 90% LTV
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How much can I borrow against my home’s equity? Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Try Our Calculators
FIXED-RATE HOME EQUITY LOANS
APR AS LOW AS
7.431%apr
5 years
TERM FOR RATE SHOWN
60% of your home's value
MAX. CLTV FOR RATE SHOWN
Secondary only
View Disclosures
LIEN POSITION
Membership Required
1. Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
2. Eligibility by Company You Work for or Retired From
You currently work for or retired from a company in our list of participitating employers.
You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
3. Eligibility by Organization You Belong To
You currently belong to or join an organization whose members we serve.
You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
4. Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
Benefits
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Refinance ADJUSTABLE-RATE MORTGAGE
Membership Required
1. Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
2. Eligibility by Company You Work for or Retired From
You currently work for or retired from a company in our list of participitating employers.
You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
3. Eligibility by Organization You Belong To
You currently belong to or join an organization whose members we serve.
You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
4. Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
Refinance FIXED-RATE MORTGAGES
Membership Required
1. Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
2. Eligibility by Company You Work for or Retired From
You currently work for or retired from a company in our list of participitating employers.
You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
3. Eligibility by Organization You Belong To
You currently belong to or join an organization whose members we serve.
You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
4. Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
Mortgage Calculators
Choose from our easy to use calculators to plan for your mortgage refinance.
- Should I refinance my home?
- Which mortgage is better for me?
- How much home can I afford?
- Mortgage Payment Calculator
- How much will my adjustable-rate mortgage payments be?
Contact Us
Ready to apply or need assistance? Contact a Mortgage Loan Originator for help completing an application.
Fixed-Rate Home Equity Loan Rates – Second Lien Position
The advertised rates are the lowest available rates based on the loan assumptions noted below. They are for primary residences with a combined loan-to-value (CLTV) of up to 50% of the home’s market value and for loans in 2nd lien position only.
| Terms | Rate |
APR1 |
EMP2 per $1,000 |
|---|---|---|---|
| Up to 5 Years | 5.000% | 5.187% | $18.87 |
| Up to 10 Years | 5.750% | 5.850% | $10.98 |
| Up to 15 Years | 6.250% | 6.322% | $8.57 |
| Up to 20 Years | 6.500% | 6.558% | $7.46 |
Rates are effective
¹APR = Annual Percentage Rates and interest rates are based on our current pricing and are subject to change any time without notice. Rates are determined by creditworthiness, combined loan-to value (CLTV), loan term, occupancy status, property type, property location and lien position so your rate could be higher. Advertised rates are based on a set of loan assumptions (a credit score of 740 or higher, a financed amount between $50,001 and $100,000, CLTV between 50.01% and 70.00% of the home’s market value, a loan term as displayed above, an owner-occupied, single-family residence in second lien position located in Massachusetts). Property and flood insurance (where applicable) may be required for the life of the loan. Additional loan programs are available. All loans are subject to approval, other conditions may apply.
²EMP = Estimated Monthly Payment is for principal and interest per $1,000.00 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher. Payment examples are based on the highest term available.
Student Loans - Undergraduate and Graduate Rates - Variable
No application fees and no prepayment penalties. The Annual Percentage Rate (APR)¹ for our undergraduate and graduate private education line of credit is variable and is based on the Prime index² plus a margin.³
APR1 |
|---|
| between 6.25% and 12.50% |
Rates are effective
¹The Annual Percentage Rate is subject to increase after consummation. The interest rate will be adjusted quarterly, based on changes to the index. The APR will not exceed 18.00% or fall below the Floor rate regardless of the Index or any additional rate discount. Any increase in the Index may increase the APR and the amount of your monthly payment.
²The "Index" for the quarter beginning July 1st, 2026, is 6.75%, which was the Prime index published in the Wall Street Journal on the first business day of June 2026.
³Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). Margin will be disclosed at account opening. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.
Student Loans - Undergraduate and Graduate Rates - Fixed
No application fees and no prepayment penalties. The Annual Percentage Rate for our undergraduate and graduate private education line of credit will be fixed for the life of the loan.
APR1 |
|---|
| between 8.00% and 14.50% |
Rates are effective
¹APR = Annual Percentage Rate. Rate is fixed and your rate and/or credit approval depends upon the credit qualifications of the student borrower or co-borrower (if applicable). Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.
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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
