There’s a unique need behind every loan, that’s why we tailor our financing to you — our valued members. You can even use savings as collateral.
Key Features
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Competitive Rates
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Local Processing
Details
- Take out a loan to cover just about any need:
- Pay medical bills
- Pay off debt
- Fund an upcoming wedding
- Home improvements
- Dream vacation
- And more
- Accommodating repayment, customized according to your unique needs
- Secured options available
- Use savings or CD as collateral
- Continue to earn dividends from full balance of account
- Quick, local decision-making and processing
- Detailed, attentive service from start to finish
Personal Line of Credit
- Competitive rates for repetitive or multiple financial needs
- No annual fees
- Accommodating repayment, customized according to your unique needs
- Anytime, direct access to funds:
- Reuse at any time without reapplying for another installation
- Funds available via in-branch, by phone, online, by mail, or at DCU ATMs
- Revolving credit; as balance is paid down, more funds become available
- Only pay interest on the part that's used
- Quick, local decision-making and processing
- Detailed, attentive service from start to finish
Secured vs. Unsecured Loans
If you’re looking for a higher loan limit, a secured loan may be for you. Because this loan is backed by your share certificate account or by other means, Doches Credit Union can offer higher limits at potentially more favorable rates. Unsecured loans are not backed by collateral, so while they may be easier to obtain, they will not offer as high of a credit limit. Also, the rate may not be as favorable as a secured loan.
Secured Loans:
- Use most anything as collateral
- Competitive interest rates
- Finance of new and used items
- Affordable payment terms suited to your needs
Unsecured Loans:
- Can require little more than a signature
- Competitive interest rates
- Finance a wide array of items
- Affordable payment terms suited to your needs