Choose a DCECU mortgage for great rates, fast approval & a $500 purchase rebate

To score your dream home in this competitive market, you need maximum borrowing power from an attentive, affordable mortgage lender who’ll work quickly on your behalf.

Quick, easy & affordable mortgages

Our fixed-rate Mortgage Loans offer:

Limited-time offer: $500 purchase rebate on new mortgages

While our mortgages already are a great value, we’re sweetening the deal for a limited time!

Apply for a DCECU Mortgage Loan between May 1 and July 31 to get a $500 purchase rebate after closing.5

Whether you’re already a DCECU member or are searching for a new financial institution to call home, this offer is for you.6

DCECU delivers more for our members!

In addition to great rates on loans and high returns on savings, we’re known for our Member Giveback7 that provides rebates and rewards to our members for borrowing from and banking with us. We’re one of only a handful of credit unions nationwide to routinely give money back to members! In fact, we provided the nation’s largest giveback to members as a percentage of total assets for 2020, and we were among the top in the nation for 2021.8

As a DCECU member, you’ll also have access to our Online Banking, our Mobile App9 with Mobile Check Deposit, and a nationwide network of 30,000 surcharge-free CO-OP ATMs.

Take advantage of this special offer today

To receive the $500 purchase rebate5, apply for your DCECU Mortgage Loan between May 1 and July 31. The rebate will be paid via deposit to your DCECU Prime Savings Account up to 7 business days following loan closing.

This offer is valid on new purchase mortgages only; refinances do not qualify.

If you’re not already a DCECU member, you can be! Joining is easy, and our Mortgage Loan team is ready to help you become a member.6


  1. Typically 1 to 3 business days, pending volume. ↩︎

  2. Conditional upon completed application and required documentation being provided by the applicant. ↩︎

  3. Purchase of Private Mortgage Insurance (PMI) required for financing above 80%. Some limitations may apply. ↩︎

  4. Average of 15 days as of 03/17/2022. ↩︎

  5. Offer is good only on New Purchase Money Mortgages with applications received between 05/01/2022 and 07/31/2022. All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Limited to developed, non-agricultural, non-income-producing homes located within Michigan. Other loan limitations may apply. $500 Purchase Rebate paid via deposit to DCECU Prime Savings Account up to 7 business days following loan closing. The value of the Purchase Rebate may be taxable income for promotion recipients. Recipients are responsible for any federal, state, or other taxes resulting from this offer. Promotion recipients should consult a tax advisor with any questions about the tax treatment of the $500 deposit. ↩︎ ↩︎2

  6. Membership eligibility required. To become a member of the credit union, you must complete an appropriate application and open a Prime Share Savings Account with a $5 minimum balance. ↩︎ ↩︎2

  7. While Member Giveback rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Not all loan and deposit products are eligible for Member Giveback consideration. Some limitations apply. ↩︎

  8. As determined by the Midland Daily News Readers’ Choice Awards: No. 1 Mortgage Lender 2019-21; No. 1 Credit Union 2015-21. ↩︎

  9. The DCECU Mobile App requires a supported mobile device with internet access, a valid email address and a valid phone number on file with DCECU. See dcecu.org/mobile for complete details. ↩︎