Loan Products


DN Community Federal Credit Union offers an entire package of loans with low rates and flexible terms. Our flexibility and accessibility sets us apart from other financial institutions. You will notice the difference throughout the loan process.

Auto Loans

Finance Your Vehicle with DNCFCU and Save!

Save time and expense by financing with DN Community Federal Credit Union. We can pre-approve a loan for you before you shop, or provide financing for the car you plan to purchase. Apply online for a Pre-Approved Vehicle Loan now. Most loans are approved in a few hours.

Apply Today


Extended Warranties Now Available For Your New or Used Vehicles
DN Community Federal Credit Union can now offer you Breakdown Protection for your vehicle. We offer several levels of protection with either a $0 or $50 deductible. Most policies even come with a 100% money back guarantee (some restrictions apply.) To get a quote on the policy which best meets your needs, contact us today.

Make Sure You're Covered
Exclusive insurance discounts for credit union members, see how much you could save today. Trustage

Protect Your Vehicle

  • Search for a new or used vehicle through our Preferred Dealer Network. Ask a loan officer how, today.
  • Or click on the Enterprise Logo to shop for used cars:
    • Enterprise offers used cars in many makes, models, and colors.
    • Search nationwide dealer inventory with Enterprise's Online Used Car Finder.
    • Contact an Account Executive at: 1-888-227-7253 for access to multiple used car dealerships.
    • Enterprise offers certified used cars.
    • Enterprise Car Sales offers Haggle-free Buying and Worry-free ownershipSM.
    • Enterprises Car Sales Prices are Below NADA or Kelley Blue Book Retail Value.

Home Loans

Home Equity Loans

Use the equity in your home to borrow money. This is a fixed rate for a fixed term for a specified amount of money. You receive the money in one lump sum and your payment is determined by the balance of the loan.

Home Equity Lines of Credit

This is a variable rate open line of credit that utilized the equity in your home as collateral. At DN Community Federal Credit Union, we will finance up to 95% of your home's value for a Home Equity Line of Credit. You then "draw" on the funds as you need them, and your payment is based on the balance of the outstanding funds you've drawn from the loan.

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Unsecured Loans

Looking for some cash? Do you have an unexpected expense that you can't finance? Are you trying to consolidate some of your bills? We can help with an Unsecured Loan. Our friendly Loan Department will be happy to help you.

Share Secured Loans

If you're trying to improve your credit rating, a Share Secured Loan could be the answer. Borrow funds using the money in your Savings Account as collateral for this low rate loan. This will allow you to demonstrate financial responsibility as well as improve your credit score.

Overdraft Protection Line of Credit

This line of credit will protect you if you overdraft your DN Community Federal Credit Union Checking Account. Simply apply once and the line of credit can be used for up to two (2) years. You don't have to think about it, but it's there if you need it!

College Student Loans

The Smart Option Student Loan® for DN Community Federal Credit Union by Sallie Mae®

For borrowers attending degree-granting institutions
Now you can pay for college the smart way with three great repayment options and competitive interest rates!
This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

The Smart Option Student Loan features and benefits:
  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rate, providing even more flexibility
  • No origination fee and no prepayment penalty.
  • Benefits and an interest rate reduction available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify
  • 100% US-based Student Loan Specialists

Get Started at Sallie Mae

No Credit Check Loan

Got an unexpected expense? Or maybe you have unplanned car repairs? DN Community Federal Credit Union now offers a No Credit Check Loan, which makes it quick and easy to get the money you need. Even if your credit is less than perfect, you can borrow up to $1,000 for 12 months at 15.00% APR*. The monthly payment on that amount would be $90.28. No credit score is required; all you need is a history of direct deposit for at least 6 months to a DN Community Federal Credit Union account. Call or stop in to find out more.

*Annual Percentage Rate. A sample monthly payment for a loan of $1,000 for 12 months at 15.00% APR would be $90.28. A $50.00 processing fee will be assessed. Direct deposit of payroll for a minimum of six (6) months is required to qualify for this offer. All rates and promotions are subject to change without notice.

Quick Loan Facts:

  • All loans are simple interest.
  • All loans are subject to approval and credit evaluation.
  • Annual Percentage Rates are based on individual credit scores and credit history.
  • The maximum unsecured total can be any combination of unsecured loan products.
  • With the exception of our Home Equity Line of Credit Loan, most loan decisions are usually made within 24-business hours.
  • A New Vehicle is any vehicle with a mileage total of 10,000 or less confirmed on the Vehicle Odometer Disclosure.
  • We assess a $50 pre-payment fee for all loans paid off within the first (30) thirty-days of disbursement.

Members Can Apply for a Loan:

  • With a Member Service Representative or a Loan Officer at the credit union
  • By phone during credit union office hours
  • By filling out the online Secure Loan Application, below.

Online Loan Application

Don't Get Caught Up with Payday Lenders

Warning Symbol

DN Community Federal Credit Union offers alternatives to the payday lenders. Payday lenders are known for high interest rates and locking you into a cycle of lending that is difficult to escape. We are here to help you avoid those excessive fees and break the cycle

life saver

Call us and ask about our Overdraft Privilege Program or to set up an Overdraft Line Of Credit.

Need more info?