skip to main content

DCU Routing Number: 211391825

DCU Assistant

Hi, anything I can help you with?

Posh Cross Close
Students outside

Student Loans

Low rates and flexible repayment options for undergraduate and graduate loans.

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 6.75% and 12.75%

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 January 1, 2023 is 7.00%, which was the Prime index published in the Wall Street Journal on the first business day of December 2022.

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 14.75%

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.

What Our Members Are Saying

Student Loan

RATINGS 5 5 / 5 stars

This is an excellent product, streamlined approval process, minimal paperwork and disbursement was handled flawlessly.

GolfGuy3231 - Webster, MA

READ MORE REVIEWS

Convenient

RATINGS 5 5 / 5 stars

DCU’s Student Loan has been very helpful in filling the gaps between federally funded student loans and paying full tuition. It gives my son the ability to create a credit footprint and the responsibility of paying back his own loans.

ksbstn77 - Tyngsborough, MA

READ MORE REVIEWS

Great Rate

RATINGS 5 5 / 5 stars

The fixed rate I got at DCU was the lowest I could find from private lenders banks and government loans.

Forever Student - Albany, NY

READ MORE REVIEWS

People Also Shopped For

Find out what other members have shopped for after viewing this product.
$0.00
Stop paying big bank fees. You could save with DCU.
5.24% APR
Lower your rate, payment, or both when you refinance.
12.75% APR
Great rates with no annual fees, cash advance fees, or balance transfer fees.
9.24% APR
Pay off credit cards or invest in home improvements with our traditional personal loan.
0.95% APY
Earn dividends that often rival uninsured money market mutual funds. (Minimum to earn shown rate: $1,000)
Contact Student Choice

Let's talk student loans.

Our partner, Student Choice, will help you explore your options and get answers to your questions.
Our partner, Student Choice, will help you explore your options and get answers to your questions.