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Savings Secured Loans

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.

Benefits

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.
AS LOW AS
3.50% APR
RATINGS
4.5 4.5 / 5 stars

MAXIMUM TERM

120 months

Savings Secured Loans

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

Rates are effective {currentdate}.

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

²EMP = Estimated Monthly Payment

Certificate-Secured Loans

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Maximum 60 Months Term³ Certificate Rate + 3.00% N/A
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Maximum 60 Months Term³ Certificate Rate + 3.00% N/A

Rates are effective {currentdate}.

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

²EMP = Estimated Monthly Payment

Plan for Your Savings-Secured Loan

Choose from our easy to use calculators to help you manage your savings-secured loan.

What Our Members Are Saying

Helped preserve my savings

RATINGS 5 5 / 5 stars

Thank you so much for coming through for me! Credit repair is a confusing and frightening place. But with DCU, I get the answers and solutions I need to solve every problem. You have given me the tools to feel empowered.

Meg - Brandon, FL

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Great Product

RATINGS 5 5 / 5 stars

DCU has been just awesome in the short time that I've been a member. I’ve been very impressed with the service, and the excellent opportunities offered to the members. In my case, the opportunity to rebuild my credit with the Savings-Secured Loan.

Rackaracka - Bloomington, IL

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Helps with wealth preservation

RATINGS 5 5 / 5 stars

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.

Ewuradwoa - Worcester, MA

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