Personal Loans

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Fair and Affordable

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
  • Short-term loans for anticipated tax refunds
  • Low-cost alternatives to high-interest Payday lenders
  • Open-end personal lines of credit

Personal Loan Options

Whether you're looking to cover a large or unexpected expense, consolidate debt, or make a major purchase, our range of personal loan and line options might be just the ticket.

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.


This is a great option if you’re looking for rates lower than most credit cards but don’t want to put up collateral.

Secure 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.


This is a great option if you want to save on interest and have a savings fund you can use as collateral.

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.


This is a great option if you’re looking for more flexibility, not sure how much you need, or don’t need all your funds at one time.

PayDay Advance Loans

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.


This is a great option if you need to cover an unexpected bill or expense and want to avoid predatory lenders.

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

11.000% APR*

Protect your checking account from getting insufficient funds!

Debt Consolidation Loan

8.990% APR*

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

Share Secured Loan

Low rates—dividend rate plus 3%

12 month term.

Debt and Spending Calculators

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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.

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