DCU Routing Number: 211391825
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Student Loans
Low rates and flexible repayment options for undergraduate and graduate loans.
At a Glance
As a not-for-profit credit union, our focus is on people, not profits. That means lower rates and convenient repayment structures to help you responsibly manage paying for college.
VARIABLE RATE STUDENT LOANS
Maximum Amount Undergraduate
Maximum Amount Graduate
Repayment Terms
Membership Required
1. 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).
2. Eligibility by Company You Work for or Retired From
You currently work for or retired from a company in our list of participitating 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.
3. 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.
4. 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.
FIXED RATE STUDENT LOANS
Maximum Amount Undergraduate
Maximum Amount Graduate
Repayment Terms
Membership Required
1. 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).
2. Eligibility by Company You Work for or Retired From
You currently work for or retired from a company in our list of participitating 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.
3. 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.
4. 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.
Benefits
- Focus is on people - not profits.
- Lower loan rates - with flexible and convenient repayment plans.
- Fills the gap - that Federals student loans leave behind.
- Unique line of credit structure - so you can borrow once for your full undergraduate or graduate career.*
Student Loans - Undergraduate and Graduate Rates - Variable
No application fees and no prepayment penalties. The Annual Percentage Rate (APR)¹ for our undergraduate and graduate private education line of credit is variable and is based on the Prime index² plus a margin.³
| APR¹ |
|---|
| between 7.00% and 13.25% |
¹The Annual Percentage Rate is subject to increase after consummation. The interest rate will be adjusted quarterly, based on changes to the index. The APR will not exceed 18.00% or fall below the Floor rate regardless of the Index or any additional rate discount. Any increase in the Index may increase the APR and the amount of your monthly payment.
²The "Index" for the quarter beginning April 1, 2025 is 7.50%, which was the Prime index published in the Wall Street Journal on the first business day of March 2025.
³Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). Margin will be disclosed at account opening. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.
Student Loans - Undergraduate and Graduate Rates - Fixed
No application fees and no prepayment penalties. The Annual Percentage Rate for our undergraduate and graduate private education line of credit will be fixed for the life of the loan.
| APR¹ |
|---|
| between 8.75% and 15.25% |
¹APR = Annual Percentage Rate. Rate is fixed and your rate and/or credit approval depends upon the credit qualifications of the student borrower or co-borrower (if applicable). Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.
Plan for Your Student Loan
Choose from our easy to use calculators to plan for your student loan.
- How long will it take to pay off my student loan?
- What is my loan rate?
- How much will my student loan payments be?
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Contact
Let's talk student loans.
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
