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DCU Routing Number: 211391825

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Harness the power of
your home’s equity.

Fixed-Rate Home Equity Loans

Your home’s equity could provide a cost-effective way to fund everything from unexpected expenses to your dream kitchen.

HOW MUCH CAN I BORROW AGAINST MY HOME’S EQUITY?

Use this calculator to estimate your borrowing capacity using a Home Equity Loan.

HOME EQUITY LOAN

As Low As
7.740%  

Utilize your home’s equity to pay off high-interest debt or fund just about anything.

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APR AS LOW AS
7.991%
apr
TERM FOR RATE SHOWN
15 years
MAX. CLTV FOR RATE SHOWN
90% of your home's value
LIEN POSITION
Secondary only
View Disclosures

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.

Fixed-Rate Home Equity Loan Rates

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 90% of the home’s market value and for loans in 2nd lien position only.

Terms Rate APR¹ EMP² per $1,000
Up to 15 Years 7.740% 7.991% $9.41
Up to 20 Years 7.990% 8.195% $8.36

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 780 or higher, CLTV of 90% or less 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 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.