Credit Union Loans

Boat, Leisure, Recreational Vehicle
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Auto Loans

Think of DMCU first when you want to purchase or refinance a new or used vehicle. Our Credit Union Loan Specialists have the experience and expertise to offer you an auto loan that fits your needs. From our competitive rates to our innovative loan programs, we’re sure to have the right option for you. Visit our rates page to find the loan that will save you money – every month.

We have the rates and terms to fit any budget! Call 313.568.5000, come in, or click to apply!

Auto Loan Special - As low as $268 per month on a $15,000 loan when you finance with DMCU.*

*Advertised payment is based on model year 2014 and newer vehicles and a loan term of 60 months at a rate of 2.69% Annual Percentage Rate. Rates and terms may vary depending on credit qualifications, direct deposit, and auto pay from a DMCU Checking or Savings account. Rates and terms are subject to change without notice. Monthly payment example per $1,000.00 borrowed for 60 monthly payments is $17.83.

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Flex Auto Loans

We’ve combined the benefits of owning your car and leasing one – it’s called the Flex Auto Loan. This unique loan provides you with low monthly payments, flexible terms and many options at the end of the term.

Advantages for You:

  • Lower monthly payments than traditional loans.
  • Most new and used vehicles up to five years old are eligible; choose the car you want from the dealer or seller you find.
  • At the end of your loan term you have options:  finance the remaining balance, sell the vehicle and keep any profits, trade the vehicle in for a new one or simply walk away!
  • Choose from a variety of mileage options per year with only a small charge per mile thereafter.

Calculate your FLEX AUTO LOAN Payment Now!

Call 313.568.5000, come in, or click to apply!

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Boat, Leisure, and Recreational Vehicles

Enjoy the exciting outdoors from the driver’s seat of a new or used boat, motorcycle, or motor home with a Recreational Vehicle Loan from DMCU. Do you have an existing Recreational Vehicle Loan that you would like to save money on? In addition to financing a recreational vehicle, we can also refinance your current loan. Our Credit Union Loan Specialists will be happy to assist you with financing or refinancing the recreational vehicle of your choice.

Call 313.568.5000, come in, or click to apply!

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Mortgage Information

DMCU and Member First Mortgage have teamed up to provide affordable mortgage rates and excellent service. Click here to learn more about the mortgage programs and rates available. Home Loans available to you include Adjustable Rate Mortgages, Construction Loans, Traditional Fixed Rate Mortgages, FHA loans, and many more.

For questions, please contact DMCU’s Mortgage Specialist at 313.568.5000.

Diversified Members Credit Union NMLS# 1162028

Ready to get started? Call Member First Mortgage at 866.898.1818, visit your nearest DMCU location, or Apply online now!

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Personal Loans

At DMCU, we know that life doesn’t always go according to plan. Furnaces need replacing, roofs leak and cars break down. Even when there is a plan, such as a wedding or the birth of a child, you still might find yourself in need of some extra cash.

When life happens, turn to DMCU.

Apply for a Personal Loan and get the money you need with no collateral required. This credit union loan offers a fixed monthly payment with a fixed term.

Using a credit card or in-store financing for large purchases can add hundreds of dollars to the final cost of a repair or an event. With a personal loan from DMCU, your interest rate can be as low as 8.99% APR* and there are no surprises or rate hikes.

Life happens, and when it does, DMCU will be there with the money you need at a rate you can afford.

*APR = Annual Percentage Rate. Advertised rate is the lowest rate available. Rates and terms may vary depending on credit qualifications, direct deposit and auto pay from a DMCU checking or savings account. Rates and terms are subject to change without notice. Monthly payment example per $1,000.00 borrowed at 8.99% APR for 12 monthly payments is $87.45.


Revolving Line of Credit

A Revolving Line of Credit (LOC) provides you with access to your loan funds when you need them most.  With an LOC, you are preapproved up to a credit limit that you can access easily without having to go through the process of reapplying for small loans. You can make advances at any of our branch locations, link your line with your checking account for overdraft protection and coming soon-advance funds to yourself online!

For a limited time, we are holding rates as low as 10.99% APR* so act now!

To get started, call 313.568.5000, apply online, or visit your nearest DMCU location today.

*APR = Annual Percentage Rate. Offer subject to per-established credit criteria. Rates and terms may vary depending on credit qualifications, direct deposit, and auto pay from a DMCU Checking or Savings account. Subject to change without notice. Limited time offer.

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Visa Credit Card

Choose DMCU as a partner for your credit card needs. Enjoy the trust and security of knowing your credit card is managed locally by your credit union. We offer two different Visa® Credit Card options to best meet your needs.

  • DMCU Visa Credit Card

Your best choice for a traditional, low interest rate credit card. As a DMCU Visa Credit card holder, you pay no annual fee, receive fraud monitoring, online account management, and more.

  • DMCU Share Secured Visa Credit Card

Our Share Secured Visa Credit Card is a full-feature credit card with the benefits and perks you expect. However, your credit limit is based on a security interest deposit* rather than your credit score. This makes the DMCU Share Secured Visa Credit Card the perfect card for those who desire to establish or improve their credit.

Click here for more details on the Share Secured Visa Credit Card.

Benefits of a DMCU Visa Credit Card:

  • No annual fee
  • Zero liability for unauthorized transactions
  • Fraud monitoring
  • Auto rental insurance
  • $500,000.00 Travel Accident Insurance
  • Online account management 24/7 at It’s Me 247 online banking!
  • Scorecard Reward Points for purchases – redeem points at scorecardrewards.com

Enroll today to begin enjoying these great benefits! Call us at 313.568.5000, come into our four locations, or fill out the application right now – Download the Full VISA Application with details, disclosures, balance transfer worksheet, and more!

*Security Interest: Prior to obtaining a Share Secured Visa® Credit Card Account, you must open and maintain a separate non-demand deposit account (the “Deposit”) with us. The amount of the required Deposit will be the requested credit limit, (minimum of $300, maximum of $3000), PLUS twice the amount of the minimum required payment that would be required if the full credit limit for the account had been utilized. For example: a credit limit of $500 requires a $540 Deposit ($500 plus $20 minimum monthly payment X 2=$40). Dividends will not be paid on the Deposit, but it is insured by the National Credit Union Administration, (NCUA), a U.S. Government Agency, to the extent permitted by law. You may add funds to the Deposit Account only with our approval.



Student Loans

The Smart Option Student Loan® for DMCU 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. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, 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

To learn more, please get started here.

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Apply for a Credit Union Loan

Online applications are subject to credit approval by a DMCU loan officer. All applicants will be notified within 24 to 48 hours. Please fax your proof of income to 313.262.0155.

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Contact Us

Detroit Main Office | 313.568.5000

CAYMC | 313.202.9388

Novi | 248.277.3628

Clawson | 248.435.0950

Official Credit Union of the Detroit Lions Detroit Lions

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