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DCU Routing Number: 211391825

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Access Loans

Financing for specialty equipment and home improvements to assist someone with a disability.

At a Glance

Access Loans are for any product, device, or building modification designed to assist someone with a disability. The borrower need not be the beneficiary of the purchase.


Powered non-vehicles - scooters, power wheelchairs, stair-climbing chairs, all-terrain wheelchairs.
Manual transportation – standard wheelchairs, sport wheelchairs, and specialized hand cycles.
Adaptive equipment – air tube systems, voice systems, educational and rehabilitation systems.
Durable medical equipment – slings for lifting patients, breathing systems, and/or specialized beds.
Rehabilitative equipment – motorized equipment that exercises muscles and limbs.
Accessible building modifications – modifications to allow accessibility for individuals with disabilities.
10.85% APR


0.50% for Plus and Relationship members

Access Loan Rates

Qualified members may obtain Access Loans, for 100% of the purchase amount, from $1,000 to $25,000 and with terms up to 72 months.

Terms APR¹ EMP² Per $1,000
Up to 36 Months 10.85% $32.67
Up to 48 Months 11.10% $25.89
Up to 60 Months 11.35% $21.92
Up to 72 Months 12.60% $19.86

¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ.  Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Credit and collateral are subject to approval.

²EMP = Estimated Monthly Payment

*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.

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