Activate the Earn More Feature*
Save, spend, and earn in one account.ACTIVATE NOW
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Please note, membership is required to open a Checking account with DCU. Click here for more information about membership eligibility.
Compare the pros and cons of each to determine which is right for you.
Sometimes you need to borrow money to ride out a financial emergency. To get the flexible financing you need, you may look to credit cards and personal loans to help. But how do you know which one is right for you and your needs?
You likely already have experience using a credit card. It’s the most common line of credit, a type of financing that lets you borrow money as needed, up to an allowed amount. As you repay the balance, including interest, those funds become available for use again. Credit cards are a great choice when you plan to:
Personal loans function similarly to auto loans. You borrow a lump sum from a lender, and then you make fixed monthly payments that have been calculated to pay off the entire balance within a certain timeframe. A personal loan might be right for you if you plan to:
Both credit cards and personal loans let you borrow money for almost any of your needs. You can explore the rates and features of DCU credit cards and personal loans online.
Please note that membership is required to open a DCU Visa® Platinum Credit Card and to accept a DCU Personal Loan.
This article is for informational purposes only. It is not intended to serve as legal, financial, investment or tax advice or indicate that a specific DCU product or service is right for you. For specific advice about your unique circumstances, you may wish to consult a financial professional.
*Earn More is a sweep feature. Eligible balances are automatically swept out to FDIC and/or NCUA insured deposit accounts held at participating financial institutions throughout the country. You will still have access to your checking account funds. The feature becomes activated on the first of the month following the month enrollment took place. The feature can only be added to one checking account per membership, excluding HSA Checking accounts. Learn More about the Earn More Feature here.