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, TOUCH-TONE teller (1-800-879-8404), 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
Refinance Your Vehicle With Diversified CU

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 612-321-4885. 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 612-321-4885. 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
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LENDING HELP CENTER

If you need to talk to a loan specialist, call 612-321-5300 or 800-333-7757 toll-free. After hours until 8 PM, please email Amber in Waseca or Angie in Minneapolis.

Insurance Solutions For Everything That Matters. Find Out More.

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.

Whether you’re buying your first home, or refinancing your current mortgage, Diversified CU has the right loan to fit your needs.

Buying the vacation property of your dreams? Need a lower monthly payment? Call us to learn more about your options.

  • Conventional Loans
  • Jumbo Loans
  • Residential Construction Loans
  • FHA & VA Loans
  • USDA
  • ARM

We’ll find a competitive interest rate and low closing costs without “junk” fees in the fine print. Please give us a call at 612-321-5300 or toll-free at 800-333-7757 for more information or use the link below.

Request More Information

Try Our Loan Calculators

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. 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**.

Members can choose from a fixed-rate installment loan or a variable-rate line of credit with check-writing privileges. There is no annual fee and a small origination flat fee of $195, plus the cost of any third-party closing costs including property valuation, if needed. See below for certain restrictions. We also offer interest-only payments.

Please give us a call at 612-321-5300 or toll-free at 800-333-7757 if you’re interested or use the link below.

Request More Information

Try Our Loan Calculators

*Consult a tax advisor regarding deductibility.

**Certain restrictions apply:
– All loans subject to normal credit approval. Rates may be higher depending on credit qualifiers.
– Variable rates based on Prime Rate as published in the Wall Street Journal.
– Eligible properties include primary residence and vacation home.
– Rates and terms subject to change without notice.
– Appraisal fee, if needed to qualify, paid by applicant. Average appraisal cost $250-$450.
– Escrow not available.
– Third party closing costs may include but are not limited to: mortgage registration tax, title policy fees, title insurance, flood search, recording fees, property valuation and are dependent on loan amount.

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**. 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. There is no annual fee and a small origination flat fee of $195, plus the cost of any third-party closing costs including property valuation, if needed. See below for certain restrictions.

Please give us a call at 612-321-5300 or toll-free at 800-333-7757 if you’re interested or use the link below.

Request More Information

Try Our Loan Calculators

*Consult a tax advisor regarding deductibility.

**Certain restrictions apply:
– All loans subject to normal credit approval. Rates may be higher depending on credit qualifiers.
– Variable rates based on Prime Rate as published in the Wall Street Journal.
– Eligible properties include primary residence and vacation home.
– Rates and terms subject to change without notice.
– Escrow not available.
– Third party closing costs may include but are not limited to: mortgage registration tax, title policy fees, title insurance, flood search, recording fees, property valuation and are dependent on loan amount.

Home Loans from Diversified Credit Union

LENDING HELP CENTER

If you need to talk to a loan specialist, call 612-321-5300 or 800-333-7757 toll-free. After hours until 8 PM, please email Andrea in Waseca or Emily in Minneapolis.

If you are interested in a home equity loan or a mortgage, call us at 612-321-5300 or request more information here.

TruStage Safeguard what matters most. You could save an average of $519.52* on car/home insurance. Find out more.

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, TOUCH-TONE teller (1-800-879-8404), 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 $500 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 612-321-5300 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.

Sallie Mae Student Loans

DCU Loan Services

LENDING HELP CENTER

If you need to talk to a loan specialist, call 612-321-5300 or 800-333-7757 toll-free. After hours until 8 PM, please email Andrea in Waseca or Emily in Minneapolis.

If you are interested in a home equity loan or a mortgage, call us at 612-321-5300 or request more information here.

Current Loan Rates

as of August 14, 2017

Please see disclosures below for Diversified Credit Union loans. 

Home Loans from Diversified Credit Union

VEHICLE LOANSUp to 100% financing

Rates*

2016-2017 models – up to 84 months
2014-2017 models – up to 72 months
2010-2013 models – up to 60 months
Vehicles 2009 and older are subject to a higher rate. Please
call for more information.

Up to 36 Months: 2.24% APR
Up to 48 Months: 2.49% APR
Up to 60 Months: 2.74% APR
Up to 72 Months: 3.49% APR
Up to 84 Months: 3.49% APR

RECREATIONAL LOANSUp to 100% financing

Rates*

ATVs/Snowmobiles

Up to 48 Months: 4.50% APR
Up to 60 Months: 5.00% APR

Boats/RVs

2013 and newer models – loan amount > $25,000
2013 and newer models – loan amount > $20,000
2013 and newer models – loan amount > $15,000
2013 and newer models – loan amount > $10,000
2007-2012 models – up to 60 months
2001-2006 models – up to 48 months

Up to 48 Months: 3.50% APR
Up to 60 Months: 3.75% APR
Up to 84 Months: 4.75% APR
Up to 120 Months: 5.25% APR
Up to 144 Months: 5.75% APR
Up to 180 Months: 6.00% APR

PERSONAL LOANS

Rates*

Signature Loans – $5,000 – $15,000

Up to 60 Months: 10.15% APR

Share Secured Loans

Up to 60 Months: 3.10% APR

Line of Credit (Overdraft Protection) $1,000 maximum

Up to 60 Months: 13.00% APR

HOME LOANS

Rates*

Mortgage Loans

Call 800-333-7757 for today’s rates

Home Equity Line of Credit
Minimum $5,000, Variable Rate

Up to 70% LTV: 4.00% APR
Up to 80% LTV: 4.25% APR
Up to 90% LTV: 4.50% APR
Payments Amortized over 180 months

Home Equity Installment
Minimum $5,000, Fixed Rate
Rates illustrated based on LTV of 90% or less

Up to 60 Months: 4.25% APR
Up to 120 Months: 5.25% APR
Up to 180 Months: 6.25% APR

DCU Mortgage Express
Rates illustrated based on LTV of 90% or less

5 Year Term: 3.50% APR
10 Year Term: 4.00% APR
15 Year Term: 4.25% APR

VISA CREDIT CARDS

Rates*

  • No annual fee
  • Revolving credit line
  • Variable rate
  • 25-day grace period
  • Cash advances accrue interest from the date of the advance
  • 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, RECREATIONAL AND 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 and the monthly loan payment automatically deducted from a DCU checking account. 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. Financing up to 100% of NADA retail value of vehicle is available. $35.00 loan fee if 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 6/15/17 the variable rate for lines of credit is Prime + 0%. This interest rate is subject to change without notice and will never be lower than 4.00% with a maximum cap of 18.00%. Closing costs are $195.00 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 NMLS ID #674056. 

Sallie Mae Student Loans

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LaSalle Plaza and Linden CenterPoint Branch 612-321-5300   |   Outside Metro 800-333-7757   |   Waseca Branch 507-833-4320