Loans from Diversified Credit Union

DCU offers a wide range of personal loans with competitive rates and convenient repayment terms. Members can make payments by direct deposit, payroll deduction, online banking, in person, or by mail.

Auto Loans

At DCU, we’ll help you with vehicle financing that fits your budget. Plus, we will work with your dealer or private-party seller to assure a smooth transfer of title. We recommend you get pre-approved for financing prior to approaching a dealer. That way, you can focus on the price of the vehicle rather than the monthly payment. Pre-approvals are good for 60 days. Contact us to discuss your specific needs.

Get Pre-Approved Now

Try Our Auto Loan Calculator

Find a Better Rate and We’ll Match It

We’re here to serve you and offer the best loan rates around. If you find a better rate than what you qualify for from Diversified Credit Union, let us know and you’ll reap the rewards.

Learn More about Our Rate Match Offer

A lot of financial institutions claim to offer the best rates on loans, but how many of them guarantee it? Diversified Credit Union will match or beat any auto, truck, motorcycle, or recreational vehicle loan rate offered to a member by a competitor.*

It’s simple – if a member qualifies for a better auto, truck, motorcycle, or recreational vehicle loan rate for a similar loan product, just show us the best rate and term you’ve been offered and we’ll match it or beat it.

Give us the opportunity to earn your business and see if we can lower your monthly payment. If you decide to refinance the loan with us, we’ll make the process quick and easy. We’ll even take care of paying off the loan and transferring the title.

* Rate guarantee applies to verifiable new or used auto, truck, motor cycle, or recreational vehicle loan rates only.  This offer is not applicable to all subsidized rate programs including but not limited to Auto Dealer Rates and Special Internet Advertised Rates.  This offer is also not applicable to any “special rate” program of manufacturers’ finance companies or any other rate offer that bundles the sale of the vehicle and financing together. The competitor’s rate offer must be for the similar loan product and term of the DCU offer.  DCU must be able to verify the competitor’s rate for which the member states will qualify for the rate and or term match.  Existing DCU loans do not qualify.  All loans are subject to credit approval. Rates, terms, and conditions are subject to change without notice. Rate offered is based on credit criteria.

Let Blake from Integrity Autosource help you locate your next vehicle. This service is highly personalized and free to DCU members. Just sit back, and let Blake do the work. Blake will locate your vehicle, take your trade, and even deliver your new vehicle to your home or office. It’s fast and easy. Call Blake today at 612-799-8944 or send him an email to discuss your needs, or visit IntegrityAutosource.com.

“I will never use a dealership again! Blake was able to quickly find exactly what we were looking for, then had it fully inspected, detailed and ready for us to come test drive. Of course it was the perfect car because it was found just for us! That process was simple, but there were so many things that he did after the sale that cemented him as my go to “car guy” for the future.”
~ Stephanie J., DCU Member since 2017

CarfaxShop smart for a pre-owned car with the peace of mind that comes from shopping with CARFAX vehicle history reports.

Diversified Credit Union is now an authorized source for these reports. You heard that right! Just contact us and we’ll pull the reports. That means you can check out where a car has been previously registered, when its ownership status changed, its title numbers, its history of oil changes, and its recorded mileage at different times.

You can also look for possible red flags such as odometer rollbacks, salvage titles, open recalls, or reports of damage. Find out the retail, trade-in and private party prices on the pre-owned car you’re interested in before you negotiate your deal.

Mechanical Breakdown Coverage, Extended WarrantyDid you know that one in three vehicles on the road experiences a mechanical failure each year? New car owners have peace of mind while their vehicle is under factory warranty, but what happens after the warranty expires? The answer is Mechanical Breakdown Protection (MBP) from Route 66. If your vehicle has more than 36,000 miles, MBP is something you may want to consider.

Mechanical Breakdown Protection, sometimes referred to as “extended warranty”, provides protection against high out-of-pocket costs, such as transmission repair, after the manufacturer’s warranty has expired. In addition, there is no deductible and limited restrictions on your choice of mechanic. Claims are paid direct from Route 66 to the repair shop with very little paperwork. Plus, our MBP coverage provides 24/7 roadside assistance and towing.

How much does coverage like this cost? Less than you might think, and you can finance it into your loan. Before you go to a dealer, click on the link below for a no-obligation quote for your vehicle. Then call us at 612-321-5300. You’ll be glad you did!

Go to Instant Quote

No one wants to think about the possibility of their car being stolen or totaled in an accident. In the event of a total loss, most insurance companies will pay the “actual cash value” of the vehicle, which can be thousands of dollars less than the amount owed on a loan, particularly if the car was financed over a long period of time with no money down, or if the car has accumulated a lot of miles.

Guaranteed Asset Protection, also referred to as GAP, covers the difference between the insurance company’s payment and the remaining balance due on a loan, which includes your deductible up to $1,000. On top of that, GAP coverage from DCU will provide $1,000 toward your next vehicle.*

GAP CoverageOur GAP coverage is priced below comparable coverage offered by dealers, plus the cost can be financed into your loan. So before you talk to a dealer, click on the link below for a no-obligation quote. Then call us at 612-321-5300. You’ll be glad you did!

Go to Instant Quote

*Must finance replacement vehicle with DCU within 90 days of total loss.

Auto Loans from Diversified Credit Union

LENDING HELP CENTER

If you need to talk to a loan specialist, call 800-333-7757 toll-free or email our Loan department.

GET MORE PURCHASING POWER

Wondering how much your trade-in is worth? What’s the retail value of the vehicle you’re looking to purchase? NADA Guides and Kelley Blue Book can provide you with insights to both. Do your research and SAVE!

Home Loans

Whether your goal is to purchase or refinance, DCU has the right mortgage loan for you. Along with competitive rates and closing costs, you will receive an experienced Loan Officer that will see your mortgage through from start to finish. In addition, you’ll receive clear and easy-to-understand up-front disclosures.

You can rest assured your Loan Officer will guide you through the loan process with professional advice.

With our home loan options, you’re certain to find the one that fits your specific needs and budget. Call us to learn more about your options.

  • Conventional Loans: Boost great rates, lower costs, and home buying flexibility and follow the guidelines of Fannie Mae and Freddie Mac.
  • Jumbo Loans: Borrow larger sums of money for higher-priced or luxury home with stricter underwriting guidelines.
  • Residential Construction Loans: Helps you build and then converts into a permanent mortgage after the process is over.
  • FHA Loans: Lower-income borrowers can get a mortgage with fewer restrictions
  • VA Loans: We’re proud to assist veterans and their families
  • USDA Loans: $0 down payment with eligibility determined by home location in a rural area, income level, and other requirements by the USDA.
  • Fixed-Rate Mortgages: Your payments for principal and interest will never change
  • Adjustable-Rate Mortgages (ARM): The interest rate can change periodically on the outstanding balance and varies throughout the life of the loan.

We’ll find a competitive interest rate and low closing costs without “junk” fees in the fine print. Please give us a call for more information and certain restrictions at 800-333-7757 or send us a message.

Try Our Loan Calculators

A Mortgage Express loan from Diversified Credit Union is a great way to refinance for a lower rate, obtain different loan terms, or cash out. Use your home’s equity to finance a home remodeling project, a dream vacation, new car, or a college education. Plus, the interest is often tax-deductible.*

Qualified applicants may borrow up to 90% of the market value of their home with repayment terms up to 15 years**. There is no annual fee and members can choose from three loan options: a fixed-rate installment loan; a variable-rate line of credit with check-writing privileges; or a loan with a 5-year balloon payment.

Please give us a call for more information and certain restrictions at 800-333-7757 or send us a message.

Try Our Loan Calculators

Servion Realty

Home Loans from Diversified Credit Union

LENDING HELP CENTER

If you need to talk to a loan specialist, call 800-333-7757 toll-free or email our Loan department.

More Loans

DCU offers a wide range of personal loans with competitive rates and convenient repayment terms. Members can make payments by direct deposit, payroll deduction, online banking, in person, or by mail.

A Signature Loan can be used for many purposes with repayment terms up to 60 months. Members can borrow as little as $5,000 or as much as $15,000. This is a versatile option to finance life’s unexpected expenses.*

With a Savings Secured Loan, you can borrow any amount up to the balance in your savings account with repayment terms up to 60 months.

Get Pre-Approved Now

A Home Equity Loan from Diversified Credit Union is a great way to finance a home remodeling project, a dream vacation, or a college education. If you’re interested in a home equity loan, call us at 800-333-7757 or request more information here.

Try Our Loan Calculators

Loan Payment Protection Insurance
Diversified Credit Union offers a number of programs to help you repay your loans in the event of adversity. Single and joint credit life insurance may be purchased to pay off your loan in the event of death. Disability credit insurance allows for monthly payments up to $600 and an overall payout of $30,000.*

Find out more.

* Certain restrictions apply. See Loan Officer for details.

Returned checks are not only expensive, they can affect your credit rating as well. Members can attach a line of credit to a DCU checking account that automatically transfers funds when there is insufficient money to cover a check. Members can pay off the advance all at once or make monthly payments.*

* Certain restrictions apply. See Loan Officer for details.

Money for School with Sallie Mae

DCU Loan Services

LENDING HELP CENTER

If you need to talk to a loan specialist, call 800-333-7757 toll-free or email our Loan department.

Current Loan Rates

Please see disclosures below for Diversified Credit Union loans.
Loan rates are subject to change without notice.

Home Loans from Diversified Credit Union

LOAN TYPE

RATES AS LOW AS*

VEHICLE LOANS

  • Financing up to 125% may be available
  • New and Used Models
  • Vehicles 2012 and older are subject to a higher loan APR rate

Up to 36 Months: 2.49% APR
Up to 48 Months: 2.74% APR
Up to 60 Months: 2.99% APR
Up to 72 Months: 3.39% APR
Up to 84 Months: 3.99% APR

ATVs/SNOWMOBILES

  • Up to 100% financing
  • New and Used Models

Up to 48 Months: 4.15% APR
Up to 60 Months: 4.40% APR

BOATS/CAMPER

  • Up to 100% financing
  • New and Used Models

Up to 48 Months: 3.39% APR
Up to 60 Months: 3.49% APR
Up to 84 Months: 4.25% APR
Up to 120 Months: 4.59% APR
Up to 144 Months: 4.94% APR
Up to 180 Months: 5.24% APR

MOTORCYCLES

  • Up to 100% financing
  • New and Used Models

Up to 48 Months: 2.74% APR
Up to 60 Months: 2.99% APR
Up to 72 Months: 3.39% APR
Up to 84 Months: 3.99% APR

PERSONAL SIGNATURE LOAN – $500 – $15,000

Up to 60 Months: 8.50% APR

SHARE SECURED LOAN

Up to 24 Months: 3.50% APR

PERSONAL LINE OF CREDIT (Overdraft Protection)

Up to 60 Months: 13.00% APR

HOME LOANS

  • Conventional, Jumbo, FHA, VA, USDA

Call us at 800-333-7757 or email loans@diversifiedcu.org for today’s rates

MORTGAGE EXPRESS

  • Rates illustrated based on LTV of 70% or less

  Up to 5 Year Term: 2.99% APR
Up to 10 Year Term: 3.10% APR
Up to 15 Year Term: 3.33% APR

MORTGAGE EXPRESS CREDIT LINE

  • Rates illustrated based on LTV of 85% or less

Prime Rate – .50% Variable

VISA CREDIT CARDS

  • No annual fee
  • 25-day grace period
  • Revolving credit line
  • Cash advances accrue interest from the date of the advance
  • Variable rate
  • Accrue spending points for CURewards

The Annual Percentage Rate is based and adjusted annually on your cumulative credit history.

as low as 9.15% APR

AUTO AND RECREATIONAL LOANS: *APR = Annual Percentage Rate. Loan rates disclosed are the lowest rates available and are based on borrower(s) being a member of DCU. Your actual rate may vary and can be higher based on credit worthiness. Terms shown are the best terms available and are based on age of vehicle and amount borrowed. Sample payment information: the cost of $10,000 borrowed for 36 months at 2.49% is $288.57 per month. Financing up to 125% of NADA retail value of vehicle is available. $35.00 loan documentation fee may be applicable. Rates are subject to change without notice. Other restrictions may apply.

PERSONAL LOANS: *APR = Annual Percentage Rate. Loan rates disclosed are the lowest rates available and are based on borrower(s) being a member of DCU. Your actual rate may vary and can be higher based on credit worthiness. Terms shown are the best terms available. Sample payment information: the cost of $10,000 borrowed for 60 months at 8.50% is $205.17 per month. $35.00 loan documentation fee may be applicable. Rates are subject to change without notice. Other restrictions may apply.

HOME LOANS: *APR=Annual Percentage Rate and is subject to change quarterly. Actual loan rate will be based upon the borrower(s) creditworthiness. Variable rate is based on Prime Rate as published in the Wall Street Journal. As of 07/17/20 the variable rate for lines of credit may be as low as Prime – 0.50%. This interest rate is subject to change without notice and will never be lower than 4.00% with a maximum cap of 18.00%. Sample payment information for a Mortgage Express loan: a loan with a principal balance of $10,000 borrowed for 15 years at 3.33% would require a payment of $70.66 with approximately $27.75 applied to interest and $42.91 applied to the principal each month. Closing costs depend on the home loan type and may include an origination fee plus any third-party fees including property valuation, if needed to determine loan to value. Hazard, flood and other applicable insurances may be required. All DCU real estate loans are subject to income verification and credit approval. DCU is a Equal Home Opportunity lender. NMLS ID #674056.

Sallie Mae Student Loans

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