Personal Loans

We’re proud to offer you a wide range of fair, affordable loans.

Our loan options allow you to find the right fit for your life.

DC Credit Union offers several different personal loans. For our qualified members, one of our personal loans might be the easiest way to get the cash you need for a home improvement project, a big life event, or to get through an unexpected tough time. Whatever your need may be, we have a loan to fit you:
  • Low fixed rates
  • Low or no fees
  • A range of loan amounts, depending on the type of loan you choose
  • Personal loans secured by your savings account
  • Signature loans with terms up to 60 months
  • A range of loan amounts, depending on the type of loan you choose
  • Short-term loans for anticipated tax refunds
  • Low-cost alternatives to high-interest Payday lenders
  • Open-end personal lines of credit

Here for our members during uncertain times.


If you need some short-term relief, we offer the option to skip your consumer loan payment for up to two months. Consumer loans include all loans except mortgages and credit cards. Members can process a Skip-A-Pay request via ItsMe247 (online or mobile).

If you are unable to request Skip-a-Pay online, please complete this form and return it to [email protected]. A loan Officer will be in touch to assist you with the process.

Eligible loans must have been current for one year and you must be in good standing with the credit union.

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Personal Loans and Lines

Loan Type

Rates as low as


*APR = Annual Percentage Rate. Rates are based on creditworthiness and not all borrowers will qualify for the lowest rate.

Signature Loans

8.990% APR*

  No collateral – just your signed promise to repay!

Overdraft Protection Line of Credit

9.400% APR*

Got the too-many-bills blues? Let us try and help you get ahead!

Debt Consolidation Loan

8.990% APR*

Got the too-many-bills blues? Let us try and help you get ahead!

Credit Builder Loan

Low rates—dividend rate plus 3%

Terms to 60 months.

Signature Loan

Our Signature Loan is a great way to pay for that improvement project you’ve been planning for your house, or to afford your upcoming celebratory vacation. No collateral is required for this loan.

  • Approval is based on your ability to repay without requiring collateral
  • Terms up to 60 months
  • Maximum loan amount of $15,000
  • No collateral required
  • Repayment based on recurrence of expenses
  • Counts towards CU*Perks eligibility.

Apply online

Secured Personal Loan

For a lower rate on your personal loan, you may use your savings funds on account as security. You choose between your savings or a term certificate. Both will continue to earn dividends while you get a lower rate on your loan, so your money works harder for you.

  • Low rates—dividend rate plus 3%
  • Terms to 60 months for share secured
  • Terms available up to the maturity date of the certificate
  • Counts towards CU*Perks eligibility

Apply online

Personal Line of Credit

Our Personal Line of Credit is open-ended credit that can be accessed at your discretion. That means you have funds available the moment you need them.

  • Up to a $5,000 credit limit
  • Counts towards CU*Perks eligibility
  • May be eligible for Debt Protection

Apply online

Rapid Anticipation Loan

This is a low-cost, short-term loan based on your anticipated refund from annual federal taxes. We offer this as a better alternative to higher-cost loans offered by tax preparation companies.

  • Low $20 application fee
  • Low 12.95% APR (annual percentage rate) until the refund is deposited
  • Interest accrues only on the days the loan is outstanding
  • Loan is paid automatically from tax refund direct deposit

Apply online

PayDay Advance Loan

Our PayDay Advance loans are an alternative to the high-cost loans offered by Payday lenders. If you need an emergency loan to help when your funds fall shorter than anticipated, we offer this low-cost, short-term loan based on your anticipated payroll deposit.

  • Maximum loan of $1,000
  • Payable over 60 days via payroll allotment
  • Available once a quarter
  • Interest accrues only for the duration of the loan

Apply online

Calculators to help you navigate your loans and debts

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This post is also available in: Español (Spanish)

Yes, we have loans for all purposes!

This post is also available in: Español (Spanish)

The interest rate depends on your credit score. That is why reclaiming your credit is so important! Check out today’s personal loan rates

Struggling to manage your debt?

Check out our “Manage Your Debt and Finances” guide for helpful tips about how to manage, consolidate and pay off debt, create a budget, and more.

Visit the guide
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