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 Lending Rates
EFFECTIVE January 1, 2025
| Loan Type | Term | APR* | Loan Amount |
|---|---|---|---|
| Share Secured | 1-5 Years | 3.50% | Based on Collateral |
| Share Secured | > 5 Years | 3.75% | Based on Collateral |
| Certificate Secured | Varies | 2% above certificate rate | Based on Collateral |
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.
