DCU Routing Number: 211391825
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What will you do with your home’s equity? A DCU Fixed-Rate Equity Loan or Home Equity Line of Credit (HELOC) gives you the ability to borrow against your home’s equity to pay for major purchases, home improvements, and more.
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.
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 60% 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 | 6.740% | 7.379% | $19.68 |
Up to 10 Years | 6.990% | 7.334% | $11.61 |
Up to 15 Years | 7.240% | 7.487% | $9.12 |
Up to 20 Years | 7.490% | 7.691% | $8.05 |
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 60% 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.
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 5 Years | 7.240% | 7.882% | $19.91 |
Up to 10 Years | 7.490% | 7.837% | $11.86 |
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.
The power of your home's equity and the flexibility of a line of credit.
GET STARTED1. 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.
Rate Index and Margin | APR¹ |
---|---|
As Low As Prime -0.50% | 7.500% |
¹APR = Annual Percentage Rate is variable, tied to the Wall Street Journal Prime Rate, the index, (currently 8.00% as of September 19, 2024) plus or minus a margin, and can change monthly. There is a minimum rate of 3.00% APR and a maximum rate of 18% APR. HELOCs have a 40-year term (20-year draw period with interest only payments followed by 20-year repayment period with principal and interest payments). Advertised rate uses a margin of -0.50% and is based on a set of loan assumptions (a credit score of 780 or higher, CLTV of 30% or less, single-family owner-occupied residence, is second lien position). To open a line of credit you must pay the following fee to us prior to closing; a $300 Application Fee, you may also have to pay certain fees to third parties at closing, unless otherwise noted, these fees generally total between $0 and $3,500.00. If you ask, we will give you an itemization of the fees you may have to pay to third parties. Property and flood insurance (where applicable) may be required for the life of the loan. All loans are subject to approval, other conditions may apply.
Please refer to DCU's Early Federal Disclosure for more information on Home Equity rates, including historical rate examples. You may obtain this information by contacting DCU.
Thinking a fixed-rate home equity loan or HELOC from DCU is for you? Utilize our easy-to-use calculator to plan for your home.
On Balances Up to and including $1,000.
On Balances Up to and Including $1,000 with earn more activated.
Rate is subject to change after consummation.
Rate is subject to change after consummation.