Save and earn with our limited-time promotion.
With auto refinance rates as low as 4.99% APR, you could save hundreds per year. All while earning some extra cash with our increased Member Referral Bonus.
Rates as low as 4.99% APR (for a limited time only)
Refinancing your auto loan could lower your monthly payments, shorten your loan term, or both. Discover the benefits of a DCU auto loan, and how you could earn a little extra cash below.
- No payments for 60 days1 - with all DCU loans.
- Additional 0.25% discount - eligible for fully electric vehicles.
- Finance with flexibility - get up to 130% LTV (loan-to-value), subject to DCU’s underwriting criteria.
Auto Refinancing Rates
Rates listed for new or used cars, trucks, and vans. Get up to 130% LTV (loan-to-value), subject to DCU's underwriting criteria.
| Terms | APR | EMP Per $1,000 |
|---|---|---|
| Up to 36 Months | 4.99% | $29.97 |
| Up to 48 Months | 4.99% | $23.02 |
| Up to 65 Months | 4.99% | $17.59 |
| Up to 72 Months | 5.49% | $16.33 |
| Up to 84 Months | 6.99% | $15.09 |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. For refinance of a DCU loan an administrative fee may apply. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment
Not Yet a DCU Member?
- Login to your Digital Banking account and access your unique referral link.
- Send your referral link (which does not change) to someone you know.
- Wait for them to open a qualifying account and complete the qualifying activities.2
- Get paid.
1 DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. No payments for 60 days Auto Loan feature is valid on new Auto Loans and Auto Refinance Loans. Interest will begin accrue 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 was funded through to the first payment date and then applied to the principal due.
2 Promotional rate and referral bonuses are only available for applications received starting May 1, 2025, through May 31, 2025.
Primary Savings
| Minimum Daily Balance to earn | Dividend Rate | APY |
|---|---|---|
| On remaining balance | 0.05% | 5.50% - 0.05% |
| Up to and including the first $1,000.00 | 5.37% | 5.50% |
¹APY = Annual Percentage Yield. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges , for important information and disclosures.
After opening a membership, within 90 days the new member will need to complete at least ONE of the following qualifying activities for bonuses to be paid:
- Open a DCU checking account and add qualifying direct deposit. Qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other recurring monthly income in the amount of at least $500.00 per calendar month. (Social Security is exempt from the $500 per calendar month minimum);
- Open a DCU checking account and complete at least 5 qualifying transactions. Qualifying transactions include debit/credit card transactions, ACH transfers, Point of Sale (POS) transactions, bill pay payments, balance transfers to your DCU Visa Credit Card, and Pay a Person transactions. The 5 qualifying transactions must post and clear your DCU account within the same calendar month; and/or
- Open a vehicle, RV, boat, or mobility loan (purchase or refinance)
DCU will deposit the bonuses into the respective members’ Primary Savings Accounts within 30 days after the referred candidate completes any of the qualifying activities. To receive the bonus Memberships must be in good standing, as described in DCU’s Account Agreement for Consumers.
Additional Terms and Conditions for DCU’s Member Referral Program:
DCU may offer the opportunity to earn a bonus by referring friends and family to apply to become a member and complete any ONE of the qualifying activities. DCU reserves the right to terminate this program at any time for any reason. DCU reserves the right to modify or amend, at any time, the terms and conditions of this program. We reserve the right to disqualify the referring member or any referred candidate at any time from participation in this program if they do not comply with any of the terms and conditions. Offer eligibility is at DCU’s sole discretion. Referring member has a unique referral URL with identifier code in their DCU Digital Banking account to refer friends and family to apply for DCU membership. Your unique referral link with identifier code is assigned to you and does not change. Referred candidate must be at least 18 years of age. Please visit our membership eligibility page for more details. Bonuses are considered income and may be reported to the IRS for income tax purposes.Referred candidate bonus offer is not available to existing or former DCU members.
Not yet a DCU member?
Join today to get these exclusive benefits.
853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
Federally insured by NCUA
Equal Housing Lender
Federally insured by NCUA
Equal Housing Lender