Loan Rates

Consumer Loan Rates

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

New and Used Auto Loans

Effective: December 1, 2021
TermAPR* as low as
Up to 60 Months (2013 to 2022 Model Years)2.00%
61 - 72 Months (2014 to 2022 Model Years)3.00%
73 - 84 Months (2018 to 2022 Model Years)4.00%

APRs listed include a .25% discount for a loan to value of less than or equal to 80%. 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 car loan of $20,000 with a 5-year term at 2.00% APR results in 60 monthly payments of approximately $17.53 per $1,000 borrowed.

Used Auto Loans - 2012 Model Year and Older

Effective: December 1, 2021
TermAPR* as low as
Up to 48 Months5.25%

2002-2012 vehicle years, vehicle must be titled. APR listed includes a .25% discount for a loan to value of less than or equal to 80%. 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 5.25% APR results in 48 monthly payments of approximately $23.14 per $1,000 borrowed.

First Time Auto Buyer Loan

Effective: December 1, 2021
Term and Model YearFixed APR*
Up to 60 Months (2014 Model Year and Newer)4.50%
61 - 72 Months (2014 Model Year and Newer)5.50%

APR listed includes a .25% discount for a loan to value of less than or equal to 80%. 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 4.50% APR results in 60 monthly payments of approximately $18.65 per $1,000 borrowed.

Fast Track Home Equity Loan

Effective: December 1, 2021
TermAPR* as low as
Up to 96 Months2.50%
97 - 144 Months2.75%

$50,000 minimum loan amount. $548,250 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 2.50% APR results in 96 monthly payments of approximately $11.51 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 Loan - 80% Loan to Value

Effective: December 1, 2021
TermAPR* as low as
Up to 60 Months3.00%
61 - 120 Months3.50%
121 - 180 Months4.25%
181 - 240 Months4.75%

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 3.00% APR results in 60 monthly payments of approximately $17.98 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 Loan - 90% Loan to Value

Effective: December 1, 2021
TermAPR* as low as
Up to 60 Months4.75%
61 - 120 Months6.00%

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 4.75% APR results in 60 monthly payments of approximately $18.76 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) Loan - Variable Rate Based on Prime

Effective: December 1, 2021
Current Rate
3.25% 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.

First Lien Position Home Equity Line of Credit (HELOC) Loan - Variable Rate Based on Prime - 0.25%

Effective: December 1, 2021
Current Rate
3.25% 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.

Visa Signature Credit Card

Effective: December 1, 2021
TermsAPR*
Rate is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.14.25% - 15.25%

Visa Platinum Credit Card

Effective: December 1, 2021
TermsAPR*
Rate is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.8.25% - 15.74%

Visa Essential Credit Card

Effective: December 1, 2021
TermsAPR*
Rate is based on your creditworthiness. This APR will vary with the market based on the Prime Rate.7.25% - 16.25%

Personal Loans

Effective: December 1, 2021
TermAPR* as low as
Up to 60 Months9.50%
61 - 72 Months11.50%
73 - 84 Months12.50%

Minimum loan amount conditions apply for 61 to 84 month loan terms. A Personal Loan of $15,000 with a 5-year term at 9.50% APR results in 60 monthly payments of approximately $21.01 per $1,000 borrowed.

Home Improvement Loans

Effective: December 1, 2021
TermAPR* as low as
Up to 60 Months7.50%
61 - 72 Months9.50%
73 - 84 Months10.50%

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 7.50% APR results in 60 monthly payments of approximately $20.05 per $1,000 borrowed.

Freedom Line of Credit Loan

Effective: December 1, 2021
TermFixed APR*
Open Ended - Line of Credit12.99%

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

New and Used Motorcycle Loans - 2016 and Newer Model Years

Effective: December 1, 2021
TermAPR* as low as
Up to 60 Months8.49%

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 8.49% APR results in 60 monthly payments of approximately $20.52 per $1,000 borrowed.

Recreational Vehicle Loans

Effective: December 1, 2021
TermAPR* as low as
Up to 60 Months8.49%
61 - 84 Months9.49%
85 - 120 Months10.49%

Recreational Vehicle must be a 2011 or newer model year. Certain conditions and restrictions may apply. A Recreational Vehicle loan of $20,000 with a 5-year term at 8.49% APR results in 60 monthly payments of approximately $20.52 per $1,000 borrowed.

Overdraft Protection Loan

Effective: December 1, 2021
TermFixed APR*
Open Ended - Line of Credit18.00%

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

Share Secured Loan

Effective: December 1, 2021
TermFixed 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.

Certificate Secured Loan

Effective: December 1, 2021
TermFixed APR*
Up to 60 MonthsCertificate Rate + 3.00%

A Certificate Secured loan of $5,000 with a 2-year term at 3.45% APR results in 24 monthly payments of approximately $43.19 per $1,000 borrowed.

At Dutch Point, it's all about you. We empower you to make financial decisions that are right for you. We pledge to help you meet and exceed your financial goals through all the stages of your life.