Access Loans

Access Loans is sponsored by Digital Federal Credit Union (DCU). DCU offers Access Loans specifically designed for assistive technology, covering 100% of the purchase cost from $1,000 to $25,000, with terms up to 72 months.

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Finance specialty equipment and home improvements that assist someone with a disability. An Access Loan from DCU can be used for any product, device, or building modification designed to assist someone with a disability. The borrower does not need to be the beneficiary of the purchase.

Powered non-vehicles – scooters, power wheelchairs, stair-climbing chairs, all-terrain wheelchairs. Manual transportation – standard wheelchairs, sport wheelchairs, and specialized hand cycles. Adaptive equipment – air tube systems, voice systems, educational and rehabilitation systems.

Durable medical equipment – slings for lifting patients, breathing systems, and/or specialized beds. Rehabilitative equipment – motorized equipment that exercises muscles and limbs. Accessible building modifications – modifications to allow accessibility for individuals with disabilities.

Finance specialty equipment and home improvements that assist someone with a disability. DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin to accrue on the date the loan is funded.

The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan was funded through to the first payment date and then applied to the principal due.

' aria-label="60 Day No Payments" aria-expanded="false" aria-haspopup="dialog"> TAKE ADVANTAGE OF NO PAYMENTS FOR 60 DAYS Plus Member Benefit Qualifications: Add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other recurring income) to your checking account, excluding HSA Checking Accounts.

Social Security is exempt from the $500 per calendar month minimum.

Relationship Member Benefit Qualifications: Meet PLUS qualifications AND make at least 5 transactions per month (qualifying transactions include debit and/or credit card transactions, ACH transfers, Point of Sale (POS) transactions, bill pay payments, balance transfers to your DCU Visa Credit Card, and Pay a Person transactions that post and clear your account within the same calendar month).

If at any time you fail to maintain these qualifications, your benefit level will be automatically adjusted without notice and you will no longer be eligible to receive the associated benefits.

' aria-label="Membership Benefit Levels" aria-expanded="false" aria-haspopup="dialog"> Included for Plus and Relationship members with electronic payments Eligibility by Family Relationship to a Current DCU Member Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).

Eligibility by Company You Work for or Retired From You currently work for or retired from a company in our list of participating employers. You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership. Eligibility by Organization You Belong To You currently belong to or join an organization whose members we serve.

You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations. You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list . Any business or other legal entity located in one of these areas is also automatically eligible to join.

Qualified members may obtain Access Loans, for 100% of the purchase amount, from $1,000 to $25,000 and with terms up to 72 months. ¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level , and payment method, your rate may differ.

Published rate includes a 0. 50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum.

Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Credit and collateral are subject to approval.

²EMP = Estimated Monthly Payment is for principle and interest per $1,000. 00 borrowed. Payment examples are based on the highest term available.

Choose from our easy to use calculators to help you manage your loan. <em>This calculator is the property of CalcXML and is licensed for use on dcu. org.

It is provided as a self-help tool for your independent use. The results shown are based on information and assumptions provided by you regarding your goals and financial situation. Applicability or accuracy regarding your circumstances is not guaranteed.

All sample ranges and default figures provided within calculator fields do not reflect actual loan terms available or apply to your situation. These are hypothetical for illustrative purposes and are not intended to purport actual user-defined parameters. Calculation results do not indicate whether you qualify or assume you could qualify for the loan, product, or service.

The calculations provided should not be construed as financial, legal, or tax advice. Consult a financial professional prior to relying on the results presented. </em></p> " data-fragmentPath="/content/experience-fragments/dcu/dcu-loan-calculators/how-much-can-i-afford-to-borrow" name="cal0" class="cal0 active "> How much can I afford to borrow?

<em>This calculator is the property of CalcXML and is licensed for use on dcu. org. It is provided as a self-help tool for your independent use.

The results shown are based on information and assumptions provided by you regarding your goals and financial situation. Applicability or accuracy regarding your circumstances is not guaranteed. All sample ranges and default figures provided within calculator fields do not reflect actual loan terms available or apply to your situation.

These are hypothetical for illustrative purposes and are not intended to purport actual user-defined parameters. Calculation results do not indicate whether you qualify or assume you could qualify for the loan, product, or service. The calculations provided should not be construed as financial, legal, or tax advice.

Consult a financial professional prior to relying on the results presented. </em></p> " data-fragmentPath="/content/experience-fragments/dcu/dcu-loan-calculators/how-long-until-my-loan-is-paid-off" name="cal1" class="cal1 "> How long will it take to pay off my loan? <em>This calculator is the property of CalcXML and is licensed for use on dcu.

org. It is provided as a self-help tool for your independent use. The results shown are based on information and assumptions provided by you regarding your goals and financial situation.

Applicability or accuracy regarding your circumstances is not guaranteed. All sample ranges and default figures provided within calculator fields do not reflect actual loan terms available or apply to your situation. These are hypothetical for illustrative purposes and are not intended to purport actual user-defined parameters.

Calculation results do not indicate whether you qualify or assume you could qualify for the loan, product, or service. The calculations provided should not be construed as financial, legal, or tax advice. Consult a financial professional prior to relying on the results presented.

</em></p> " data-fragmentPath="/content/experience-fragments/dcu/dcu-loan-calculators/how-much-will-my-loan-payments-be" name="cal2" class="cal2 "> How much will my loan payments be? You May Also Be Interested In On Balances Up to and including $1,000. Get the most out of your savings with a faster way to grow your money.

Rate is subject to change after consummation. Rate is subject to change after consummation. 853 Donald Lynch Boulevard Marlborough, MA 01752-9130 ABA Routing Number: 211391825 Federally insured by NCUA Digital Federal Credit Union and First Technology Federal Credit Union have merged to form a single credit union named First Technology Federal Credit Union.

As we work to combine operations, we are operating as two divisions named: Digital Federal Credit Union (DCU) and First Tech Federal Credit Union (First Tech). Learn more. You are about to leave the DCU website