Personal Loans

Signature Loans

We understand that from time to time, situations come up (like that unexpected auto repair) and you need some extra cash or just some spending money. The DFCU Signature Loan allows you to borrow without any collateral, just your signature. Borrow up to $12,500, depending on your current income and current unsecured debt.

Our Signature Loan is designed to fit your needs, whether you need to consolidate your debt into one lower monthly payment or repair your car.

We also offer specials on wedding loans, designed to make your special day and honey moon stress free, and vacation loans to help pay for that getaway you have been planning.

Share Secured Loans

We offer a share secured loan that is secured by using funds in your Regular Savings Account or a Share Certificate Account as collateral. A Share Secured Loan is a great option for those who need cash but do not wish to deplete their savings accounts as you are essentially borrowing the money from yourself at a low interest rate. As you make a payment, the funds are deposited back into your account and are available.

Share Secured Loans are also a good fit for those who wish to establish credit or repair existing credit.


Stay warm this winter without sweating over the cost of your home heating bill! Whether you depend on fuel, gas, pellets, or wood, we know that it can become costly to keep your home warm during the winter months.

To help you spread out the expense, we are offering rates as low as 5.00% APR** on Home Heating Loans (AKA Fuel Loans) to help you keep your house warm without sweating about the bill. Borrow up to $2,500 for 24 months!

Need help purchasing a wood or pellet stove? Ask about our low rate personal loans!


For more information on our loan products, please give us a call at (518) 563-5667 or stop by any of our branches to speak with a loan officer.

Apply Online  View Rates


Relationship Pricing

DFCU now offers relationship pricing to our members who obtain a consumer loan.*

The requirements and benefits include .25% off the posted rate with a maximum discount of 1.00% if the member maintains the following services:

  • Direct deposit/auto pay
  • Checking account
  • Debit card with a minimum of three transactions each month
  • Credit card with a minimum of one transaction each month
  • E-statements

*Excludes new and used autos, share and certificate secured loan, and real estate loans

*APR= Annual Percentage Rate. Loans are subject to credit approval and loan rates are subject to change.  Other restrictions may apply. Offer available for a limited time. Example payment for borrowing $1,500 over a 12 month period a would be $128.42 per month. See us for details. If you apply online, select “Personal Loan” and enter “Holiday Loan” under loan purpose.

**APR= Annual Percentage Rate. Loans are subject to approval and loan rates are subject to change. Certain restrictions may apply.
Invoices will be required and checks will be made payable to the providing company. See us for details.