What is the DCU Signature Personal Loan used for?

DCU states the Signature Personal Loan can be used to pay off debt or make a major purchase. Specific eligible use cases beyond that are not listed on DCU's website.

Does DCU offer a rate discount on personal loans?

Yes. DCU offers a 0.50% APR discount for Plus or Relationship Checking members who maintain qualifying direct deposits of at least $500 per calendar month and make loan payments electronically.

Do I have to be a DCU member to get a personal loan?

Yes. DCU membership is required before or after applying, though you can begin the membership and loan application process together online.

Does DCU offer any other personal loan types?

Yes. In addition to the Signature Personal Loan, DCU offers Credit Builder Loans (5.00% APR, up to $3,000 for 12–24 months), Savings Secured Loans (3.50% APR, up to 120 months), Energy Efficiency Loans (8.75% APR, up to 60 months), Fuel Assistance Loans (8.25% APR, up to $3,000), Access Loans for disability-related equipment (10.85%–12.60% APR, up to $25,000 for 72 months) and Quick Loans (17.99% APR, up to 12 months).

What is the DCU merger about?

DCU and First Technology Federal Credit Union have merged under the name First Technology Federal Credit Union. As of 2026 they continue to operate as two separate divisions — Digital Federal Credit Union (DCU) and First Tech Federal Credit Union (First Tech).