|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.
|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 dcu.org for current certificate rates.
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Acquiring wealth is difficult and paying yourself back for what you’ve spent is equally difficult. So, I find that there is discipline in using my savings as collateral and paying back the loan in return. It gives me the flexibility to afford any project.READ MORE REVIEWS