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DCU Routing Number: 211391825

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Credit Builder Loans

Build or rebuild your credit while building up your personal savings.

At a Glance

A Credit Builder Loan is specifically designed to help you build or rebuild your credit history as you build up to $3,000 in savings plus dividends.


Flexible terms - from 12 to 24 months.
Fixed loan rate - 5% Annual Percentage Rate (APR).
Earn dividends - funds in your DCU Savings account earn dividends at the published dividend rate.
Establish credit - as you repay on time, we report this information to the credit bureaus.
5.00% APR
3 3 / 5 stars


24 months

Credit Builder Loans

Build or rebuild your credit rating as you build savings. Borrow from $500 to $3,000 for 12 to 24 months.

Terms APR¹ EMP² Per $1,000
Up to 24 Months 5.00% $43.87 - (Maximum Loan Amount $3,000)

¹APR = Annual Percentage Rate. Rates listed are for this product only and are subject to change at any time.

²EMP = Estimated Monthly Payment

*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Credit Builder 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.

What Our Members Are Saying

Positive way to build credit

RATINGS 5 5 / 5 stars

Thank you for having this available. I took out two small, one year credit builder loans in the last two years. When I applied for the first credit builder loan, I had a "ZERO" score. Now in two short years, I have built a somewhat decent credit score.

PATRIOTS FAN # 21 - Antrim, NH


Best experience to date

RATINGS 5 5 / 5 stars

I have gotten the best financial experience ever. Am so grateful to DCU for making this experience a reality.

bas - Worcester, MA


Love DCU

RATINGS 5 5 / 5 stars

Super friendly agents answered every question I had! DCU is always eager to help me with all my financial needs. I always recommend them to people I meet.

Mayaboopy - Rochester, NH


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