Other Loans
We offer more than just vehicle loans! We have a wide variety of loan products. Whether it be needing to build your credit or an emergency situation, DCFCU has you covered. Contact us today for more information!
Apply for a Loan
Both loan applications down below require you to also turn in proof of income. Once you have completed the form, follow the steps below to submit.
- When completed, click the “EMAIL FORM” button at the top of the application.
- Choose your type of email application.
- If you have a desktop email application (i.e. Microsoft Outlook), select that and click “OK”. A new email to DCFCU will be created with the application attached. All you need to do is add any information you would like to provide to the loan officers and then send the email.
- If you have an Internet email application (i.e. Yahoo, Hotmail), select that and click “OK”. You will be directed to save the completed application to your PC (Desktop is recommended location because it is easy to find). Click the “Save” button to save to PC. Then, go into your email application, and attach the file you just saved to an email to dalecu@dalecu.com.
- Contact the credit union if you have any questions.
Loan Rates Effective as of 9/1/2023
Rates, terms, & conditions are subject to change without notice. Subject to credit approval based upon creditworthiness & our underwriting standards.
All rates below are our average rates. Your final rate will be based on your credit score.
*APR = Annual Percentage Rate
Other Loan Products
Quick Cash Loans
Need money fast? DCFCU is offering Quick Cash loans. They are a $500.00 loan plus $20.00 processing fee. The interest rate is 18.0% APR* and you have 90 days to pay off the loan. For more information, call either office.
Credit Builder Loan
Need to build or re-establish your credit rating? DCFCU wants to help! A Credit Builder Loan helps first-time borrowers, as well as those looking to re-establish their credit rating. Loan Amount: $1,200.00, Loan Term: 12 months, Loan Rate: 13.0% APR*. Contact either office for more information.
Share Guaranteed Loans
APR* is 2.0% higher than the highest dividend rate paid on regular shares.
Computer Loans
Funds are available for the purchase price of a computer. The maximum loan amount is $3,500.00 for a maximum term of 36 months. Current rate is 6.0% APR*. The estimated monthly payment for $1,000.00 borrowed is $30.65; however, a minimum payment schedule applies.
Personal Loans
$2,000.00 or 11.0% of Gross Income (excluding incentive, bonus, etc.), with a maximum of $5,000.00. Current rate is 10.0% APR* for 36 months, with a minimum payment schedule.
Share Certificate Secured Loans
APR* is 2.0% higher than the share certificate dividend rate using the same maturity date as the share certificate.