Get Our Best Loan Rates

Continue to earn dividends on your savings during the term of your loan, and when your loan is paid off, your savings are still there. The rate for a certificate-secured loan will be 2% above your certificate’s rate.

Secured Loan Rates

Effective July 31, 2018
Loan TypeTermAPR*Loan Amount
Share Secured1-5 Years3.50%Based on Collateral
Share Secured > 5 Years3.75%Based on Collateral
Certificate SecuredVaries2% above certificate rateBased on Collateral

Apply Now

To apply for a Secured Loan, complete and return your application to the credit union in person, by fax or by mail with your two most recent pay stubs and a copy of a government issued identification i.e. driver’s license.

Transfer Savings to DCTFCU

Take advantage of our low-rate Secured Loans by transferring your savings to DCTFCU! Open a Money Market Account or a Share Certificate. Use your funds for collateral on your DCTFCU Secured Loan, while continuing to earn dividends on savings. It’s a win, win!

*APR= Annual Percentage Rate LTV=Loan to Value Ratio. All rates and terms are based on an evaluation of each member’s credit history‚ loan-to-value (LTV) payment type, loan amount‚ and loan purpose‚ so your rate and terms may differ. All loans are subject to credit approval. Direct Deposit and/or Payroll Deduction required for C and D Borrowers.