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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.
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.
SAVINGS SECURED LOAN
NO PAYMENTS FOR
60 DAYSTAKE ADVANTAGE OF NO PAYMENTS FOR 60 DAYS
MAXIMUM TERM
120 MONTHSMembership Required
- Eligibility by Family Relationship to a Current DCU Member
- Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
- Eligibility by Company You Work for or Retired From
- You currently work for or retired from a company in our list of participating employers.
- You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
- Eligibility by Organization You Belong To
- You currently belong to or join an organization whose members we serve.
- You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
- Eligibility by Community
- You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
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 is for principle and interest per $1,000.00 borrowed. Payment examples are based on the highest term available.
Certificate-Secured Loans
| Terms | APR¹ |
|---|---|
| Up to 60 Months Term | 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.
Plan for Your Savings-Secured Loan
Choose from our easy to use calculators to help you manage your savings-secured loan.
- How much can I afford to borrow?
- How long will it take to pay off my loan?
- How much will my loan payments be?
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853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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Federally insured by NCUA
