Personal Loans

We like lending a helping hand. Whether you need extra money for something serious or something that produces smiles, we're here to help.

For almost anything life brings your way

Competitive rates
Lower interest payments leave you with more money for whatever it is you need.
Get a discount
Save .25% APR* by scheduling automatic payments from your paycheck or DECU checking account.
Budget flexibility
Take up to 3 years to repay - and even skip a payment or two along the way, if you like.

Get a .25% APR* discount for automatic payments. Time to get out and play.

Get emergency funds - or do something fun

Personal Loans

Personal loans can pay for repairs, cover medical bills or consolidate higher-interest debt. And then there are more exciting possibilities - like making a major purchase or doing something special for your family.

  • Borrow as little as $1,000
  • Terms available up to three years
  • No prepayment penalty
  • Earn a .25% APR* discount for payment by payroll deduction or automatic transfer from your DECU accounts
  • Use Skip-A-Payment for budget flexibility
  • Weathering a Financial Storm? Check out these tips as an umbrella to success
Savings Secured Loans

Enjoy a lower rate and build credit while your savings continues to earn dividends.

  • Borrow against the amount in your Dominion Energy Credit Union Savings Account
  • Continue earning dividends on your savings while you're borrowing
  • Ideal for rebuilding credit
  • No prepayment penalty
  • Use Skip-A-Payment for budget flexibility

Frequently Asked Questions

We currently offer a .25% APR discount for payment by payroll deduction or automatic transfer from your CU account. The .25% APR discount is not available for mortgages and credit cards.

You can apply for loans and credit cards at the same time you join! There is no waiting period before you can take advantage of all our member benefits. The moment you become a member, you can start applying for auto loans, mortgages, and every other service we have to offer.

You can check your loan application status two ways:

  1. Log into our online application portal and click  “Check Existing Application Status” (you will need to fill in: Last name, email and social security number).
  2. Log into Digital Banking, click “Loan Application”, then “Check Existing Application Status” – it will automatically display any application created in the last 90 days.

To check the status of a mortgage application, please log into our online mortgage portal.

 You can also call us at 800-268-6928.

Financial education and resources to support your success

Financial knowledge made simple.
Life Empowered Blog
Whether you're just starting out or ready for retirement, we can help you meet your financial goals.
Learn More

Cards to fit every lifestyle

From earning rewards to competitive rates, our credit cards are the perfect combination of perks, convenience and security.

*Annual percentage rate, if you apply online, discount will not appear until a loan counselor completes your loan setup.

Dominion Energy Credit Union, headquartered in Richmond, Virginia, is a full-service financial institution that serves Dominion Energy employees and offers competitive rates on personal loans, auto loans, and credit cards.