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DCU Routing Number: 211391825

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Savings Secured Loans

Preserve hard-earned savings - borrow against your wealth instead of spending it.

At a Glance

It can take a long time to build up your savings and a short time to spend it. With Savings-Secured Loans, you can use your savings as collateral, borrow at economical rates, and keep your savings intact.


Preserve your hard-earned savings – use your savings as collateral, borrow at economical rates, and keep your savings intact.
Borrow against - your DCU Savings Account balance or your DCU Certificate Accounts.
Rebuild your credit - repaying a Savings-Secured Loan on time can help you rebuild your credit.
3.50% APR


120 months

Savings Secured Loans

Terms APR¹ EMP² Per $1,000
Up to 120 Months 3.50% $9.89

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 Savings Secured 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.

Certificate-Secured Loans

Terms APR
Up to 60 Months Term¹ Certificate Dividend Rate + 3.00%

¹The Annual Percentage Rate (APR) will be the dividend rate of the certificate securing the loan + 3%. For example, a certificate-secured loan secured by a 60-month certificate with a dividend rate of 0.90% will have an APR of 3.90%. The estimated monthly payment on a 48-month certificate-secured loan with an APR of 3.90% would be $22.53 per $1,000 borrowed. Loan must be paid in full prior to the certificate maturity date. Certificate rate used in this example is for illustrative purposes only and is subject to change at any time. See for current certificate rates.

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