DCU Routing Number: 211391825
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Credit Builder Loans
Build or rebuild your credit while building up your personal savings.
At a Glance
A Credit Builder Loan is specifically designed to help you build or rebuild your credit history as you build up to $3,000 in savings plus dividends.
Benefits
- Flexible loan terms - from 12 to 24 months.
- Fixed loan rate - 5% Annual Percentage Rate (APR).
- Establish credit - on-time repayments are reported to the credit bureaus so that you can grow your lending power.
- Earn dividends - funds in your DCU Savings account earn dividends at the published dividend rate.
CREDIT BUILDER LOAN
NO PAYMENTS FOR
60 DAYSTAKE ADVANTAGE OF NO PAYMENTS FOR 60 DAYS
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 participating 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.
Credit Builder Loans
Build or rebuild your credit rating as you build savings. Borrow from $500 to $3,000 for 12 to 24 months.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 24 Months | 5.00% | $43.87 - (Maximum Loan Amount $3,000) |
¹APR = Annual Percentage Rate. Rates listed are for this product only and are subject to change at any time.
²EMP = Estimated Monthly Payment
Additional Terms and Conditions
- Member cannot have more than one Credit Builder open at the same time.
- Funds will remain on hold throughout the life of the loan.
- Loan must be paid in full prior to funds being released for use.
Plan for Your Personal Loan
Choose from our easy to use calculators to help you manage your personal loan.
- How much can I afford to borrow?
- How long will it take to pay off my loan?
- How much will my loan payments be?
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*DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing 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 is funded to the first payment date and then applied to the principal due.
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
