DCU is a lender that offers mortgage loans to consumers. You can obtain a fixed mortgage or an adjustable mortgage. They will look at your information and attempt to provide you with the lowest DCU mortgage rates possible. This article will give you the latest DCU home mortgage rates information.

DCU Current Mortgage Rates

Buying a new home is one of the most important decisions of your life. Therefore, you want to do it right. You need to make sure you are getting a good rate because a low rate can save you a lot of money. You can find the latest DCU mortgage rates on their website, under the Loans category. On their website, you will also find a DCU mortgage rates calculator to estimate your rates and payments. Other useful calculators (home financing calculators, loan calculators, savings calculators, retirement calculators, auto loan calculators) are also available on dcu.org.

Type of Mortgage Rate

Interest Rate APR (Annual Percentage Rate) Estimated Monthly Payment per $1,000
30-year fixed 5.125% 5.22% $5.44
20-year fixed 4.625% 4.74% $5.22
15-year fixed 4.250% 4.40% $7.52
10-year fixed 4.000% 4.20% $10.12

***It is important to check the website for the latest DCU home mortgage rates. These DCU home loan rates are effective September 25, 2018, apply to loans up to $453,100, and can change at any time.

DCU Mortgage Rates Additional Information

DCU will work hard to find the right mortgage for you. A representative will help you look at the fixed rate mortgages and the adjustable rate mortgages to see which one is right for you. An adjustable-rate mortgage offers a lower rate initially; however, the rate can change periodically according to the market rate trend.

You can pay discount points upfront to get a lower interest rate. And you can get pre-qualified for a loan and lock in your interest rate. You can choose a 30-year, 20-year. 15-year, or 10-year mortgage. If you have a good income, most people choose a 15-year fixed rate mortgage. The 15-year mortgage rates are lower than the 30-year mortgage rates, and you will pay it off sooner.

You can also look at the jumbo mortgage rates and the refinance mortgage rates. A representative can help you decide what type of loan is best for your needs. But, before that, you can calculate your rates with the calculator available lower on their Loans page.

Bonus read – BECU Mortgage Rates

Monthly Mortgage Payment Example

Type of Mortgage Rate 30-year fixed rate 20-year fixed rate 15-year fixed rate
Mortgage Amount $250,000 $250,000 $250,000
Interest Rate 3.87% 3.62% 3.25%
APR (Annual Percentage Rate) 3.95% 3.73% 3.38%
Number of Payments 360 240 180
Average Monthly Payment $1174.88 $1465.36 $1756.67
Total Amount of Interest $174,956.02 $101,686.98 $66,200.95
Total Amount Paid $422,956.02 $351,686.98 $316,200.95

***The values in this table are approximate results of our calculations and can vary based on the type of credit you opt for. Please note that these are our examples and not offered by the financial institution.


Income, credit score, and debt to income ratio all determine DCU mortgage rates. You can get a mortgage with this lender, and you can enjoy a great mortgage experience. Submit any questions related to DCU home loan rates in the comment section below!