Loan Rates

Consumer Loan Rates

* APR - ANNUAL PERCENTAGE RATE: "As low as" rates are based on credit history and term selected.

Auto Loans
Effective Date: April 1, 2024
Term APR* as low as
Up to 60 Months (2023 to 2025 Model Years)5.49%
61 - 76 Months (2023 to 2025 Model Years)5.99%
77 - 84 Months (2023 to 2025 Model Years)6.49%
APRs listed include a .26% discount for a loan to value of less than or equal to 80%, or an automatic payment from a Dutch Point Credit Union checking account. Vehicle mileage cannot exceed 10,000 miles and vehicle must be a 2023-2025 model year to qualify for the New Auto Loan rates. Certain conditions may apply. Rate may not be combined with any other credit union promotions or rate discounts. Existing DPCU loans do not qualify for refinance. Rate, terms and conditions are subject to change without notice. A new car loan of $20,000 with a 5-year term at  5.49%  APR results in 60 monthly payments of approximately $19.11 per $1,000 borrowed.
Effective Date: April 1, 2024
Term APR* as low as
Up to 60 Months (2016 to 2025 Model Years)6.24%
61 - 76 Months (2017 to 2025 Model Years)6.49%
77 - 84 Months (2021 to 2025 Model Years)6.99%
APRs listed include a .26% discount for a loan to value of less than or equal to 80%, or an automatic payment from a Dutch Point Credit Union checking account. Vehicle mileage cannot exceed 125,000 miles. Certain conditions may apply. Rate may not be combined with any other credit union promotions or rate discounts. Existing DPCU loans do not qualify for refinance. Rate, terms and conditions are subject to change without notice. A used car loan of $20,000 with a 5-year term at  6.24%  APR results in 60 monthly payments of approximately $19.45 per $1,000 borrowed.
Effective Date: April 1, 2024
Term APR* as low as
Up to 48 Months8.49%
2005-2015 vehicle years, vehicle must be titled. APR listed includes a .26% discount for a loan to value of less than or equal to 80%, or an automatic payment from a Dutch Point Credit Union checking account. Vehicles exceeding 125,000 miles will also fall into this loan category. Vehicle loan to value cannot exceed 100%. A Used Auto loan of $20,000 with a 4-year term at  8.49%  APR results in 48 monthly payments of approximately $24.65 per $1,000 borrowed.
Effective Date: April 1, 2024
Term & Model Year Fixed APR*
Up to 60 Months (2017 Model Year and Newer)6.74%
61 - 76 Months (2017 Model Year and Newer)8.24%
APR listed includes a .26% discount for a loan to value of less than or equal to 80%, or an automatic payment from a Dutch Point Credit Union checking account. Up to 95% loan to value financing is available. Loan type requires 5% cash down or equivalent trade-in. $25,000 maximum loan amount. A First Time Auto Buyer loan of $25,000 with a 5-year term at  6.74%  APR results in 60 monthly payments of approximately $19.68 per $1,000 borrowed.
Home Equity Loans
Effective Date: April 1, 2024
Term APR* as low as
Up to 96 Months6.000%
97 - 144 Months6.250%

$50,000 minimum loan amount. $766,550 maximum loan amount. 75% maximum loan to value ratio. No additional rate discounts apply. Dutch Point must be in first lien position. $300 application fee is non-refundable. Loans will be made against your primary residence, 1-4 family homes located in the states of CT, MA and RI. Loans can be made against a second home, however additional conditions will apply. Property insurance is required.

A Fast Track Home Equity loan of $85,000 with an 8-year term at 6.000% APR results in 96 monthly payments of approximately $13.15 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater.

Effective Date: April 1, 2024
Term APR* as low as
Up to 60 Months6.24%
61 - 120 Months6.49%
121 - 180 Months6.75%
181 - 240 Months7.25%

APRs listed include a .25% discount for Dutch Point Credit Union being in first lienholder position. $10,000 minimum loan amount and $150,000 maximum loan amount for terms up to 180 months with loan to value up to 80%. $50,000 minimum loan amount and $350,000 maximum loan amount for terms 181-240 months with loan to value up to 75%. Loans will be made against your primary residence, 1-4 family homes located in the states of CT, MA and RI. Loans can be made against a second home, however additional conditions will apply. Property insurance is required.

A Home Equity loan of $25,000 with a 5-year term at 6.24% APR results in 60 monthly payments of approximately $19.45 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater.

Effective Date: April 1, 2024
Term APR* as low as
Up to 60 Months7.50%
61 - 120 Months8.25%

APRs listed include a .25% discount for Dutch Point Credit Union being in first lienholder position. $10,000 minimum loan amount. $50,000 maximum loan amount. Loans will be made against your primary residence, 1-4 family homes located in the states of CT, MA and RI. Loans can be made against a second home, however additional conditions will apply. Property insurance is required.

A Home Equity loan of $25,000 with a 5-year term at 7.50% APR results in 60 monthly payments of approximately $20.04 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater.

Home Equity Line of Credit (HELOC)
Effective Date: April 1, 2024
Current Rate
8.50% APR*
Maximum loan amount conditions and loan to value conditions may apply. $10,000 minimum loan amount. $350,000 maximum loan amount. Loans will be made against your primary residence, 1-4 family homes located in the states of CT, MA and RI. Loans can be made against a second home, however additional conditions will apply. Property insurance is required. Home Equity Lines of Credit are variable rate loans. Your rate may vary and will be based on the Wall Street Journal Prime Rate, but it will not exceed 18.00% APR or be less than 3.25% APR. $50 inactivity fee will be assessed when there is no financial activity in a 12 month period.
Effective Date: April 1, 2024
Current Rate
8.25% APR*
$10,000 minimum loan amount. $350,000 maximum loan amount. 80% maximum loan to value ratio. Dutch Point must be in first lien position. Loans will be made against your primary residence, 1-4 family homes located in the states of CT, MA and RI. Loans can be made against a second home, however additional conditions will apply. Property insurance is required. Home Equity Lines of Credit are variable rate loans. Your rate may vary and will be based on the Wall Street Journal Prime Rate minus 0.25%, but it will not exceed 18.00% APR or be less than 3.25% APR. $50 inactivity fee will be assessed when there is no financial activity in a 12 month period.
Credit Cards
Effective Date: April 1, 2024
Terms APR*
Rate is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.17.99%
Effective Date: April 1, 2024
Terms APR*
Rate is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.13.50% - 17.99%
Effective Date: April 1, 2024
Terms APR*
Rate is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.12.50% - 17.99%
Personal & Home Improvement Loans
Effective Date: April 1, 2024
Term APR* as low as
**SPECIAL: Up to 36 Months9.99%
Up to 60 Months11.49%
61 - 72 Months13.49%
73 - 84 Months14.49%
Minimum loan amount conditions apply for 61 to 84 month loan terms. A Personal Loan of $15,000 with a 5-year term at  11.49%  APR results in 60 monthly payments of approximately $22.00 per $1,000 borrowed.

**APR – Annual Percentage Rate. Rate based on credit history and loan term. 36-month rate is available for a limited time only and subject to change without notice. $10,000 maximum loan amount. Certain conditions and restrictions may apply. Rate may not be combined with any other CU discounts or promotions. Existing credit union loans/debts do not qualify for promotion. A Personal Loan of $5,000 with a 3-year term at 9.99% APR results in 36 monthly payments of approximately $32.30 per $1,000 borrowed. This offer may be withdrawn at any time.

Effective Date: April 1, 2024
Term APR* as low as
Up to 60 Months10.00%
61 - 72 Months12.00%
73 - 84 Months13.00%
Minimum loan amount conditions apply for 61 to 84 month loan terms. $30,000 maximum loan amount. Certain conditions and restrictions may apply. A Home Improvement loan of $10,000 with a 5-year term at  10.00%  APR results in 60 monthly payments of approximately $21.25 per $1,000 borrowed.
Lines of Credit
Effective Date: April 1, 2024
Term Fixed APR*
Open Ended - Line of Credit6.99%
Flex Line of Credit is subject to credit approval. Maximum credit line of $3,000.00. Minimum monthly payment is based on outstanding principal balance. Interest begins to accrue on advances, other fees and any minimum interest charges from the date it is added to the daily balance. This offer is available for a limited time only and may be withdrawn at any time without notice. Dutch Point Credit Union membership is required with a $5.00 savings account.
Effective Date: April 1, 2024
Term Fixed APR*
Open Ended - Line of Credit12.99%

$15,000 maximum loan amount. $50 annual fee.

Effective Date: April 1, 2024
Term Fixed APR*
Open Ended - Line of Credit18.00%

$2,000 maximum loan amount. Checking account is required. $10 annual fee.

Motorcycle & Recreational Vehicle Loans
Effective Date: April 1, 2024
Term APR* as low as
Up to 60 Months8.99%
Up to 100% loan to value financing is available. Certain conditions and restrictions may apply. A Motorcycle loan of $10,000 with a 5-year term at  8.99%  APR results in 60 monthly payments of approximately $20.76 per $1,000 borrowed.
Effective Date: April 1, 2024
Term APR* as low as
Up to 60 Months8.99%
61 - 84 Months9.99%
85 - 120 Months10.99%
Recreational Vehicle must be a 2014 or newer model year. Certain conditions and restrictions may apply. A Recreational Vehicle loan of $20,000 with a 5-year term at  8.99%  APR results in 60 monthly payments of approximately $20.76 per $1,000 borrowed.
Secured Loans
Effective Date: April 1, 2024
Term Fixed APR*
Up to 60 Months3.02%
A Share Secured loan of $10,000 with a 5-year term at  3.02%  APR results in 60 monthly payments of approximately $17.98 per $1,000 borrowed.
Effective Date: April 1, 2024
Term Fixed APR*
Up to 60 MonthsCertificate Rate + 3.00%

A Certificate Secured loan of $5,000 with a 2-year term at 4.735% APR results in 24 monthly payments of approximately $43.76 per $1,000 borrowed.

Apply for a loan online, give us a call, text us at 860-563-2617,or schedule an appointment, or visit one of our Wethersfield, Newington, Berlin, Bloomfield, Niantic, or Middletown, CT locations to learn more.


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