Spence Brothers employees: Join DCECU by Feb. 19 to get this special offer!

Refinance your Auto Loan with us and get a 2% cash refund

Do you have an Auto Loan you’d like to refinance? If so, now is the time to join DCECU and take advantage of a special offer for Spence Brothers employees! Click the “Apply Now” button at the bottom of the page to start the application process.1

If you don’t have a loan to refinance but would like to become a DCECU member, you’re still invited to apply online for membership today.

Save TWO ways when you refinance!

When you join DCECU and refinance your Auto Loan from another lender, you could lower your monthly payment AND get a 2% cash refund on the amount of the refinanced loan!1

Our Auto Loans offer great rates; up to 90-day deferment of your first payment; and a quick, easy application process. Some even qualify for our potential year-end Loan Interest Rebate2, which could return a portion of the interest you pay each year.

Why DCECU?

We deliver more for our members!

In addition to great rates on loans and high returns on savings, we’re known for our Member Giveback2 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.

As a DCECU member, you’ll also have access to our Online Banking, our Mobile App with Mobile Check Deposit3, and a nationwide network of 30,000 surcharge-free CO-OP ATMs.

And now that Spence Brothers is a DCECU Select Employer Group, it’s never been easier for you – and your family members – to join!

Take advantage of this special offer today

To take advantage of this offer, your membership application and Auto Loan application must be initiated at the same time. Simply compete and submit your loan application and supporting information within 60 days of initiating the applications, and your 2% cash refund will be paid via deposit to your DCECU checking account up to 3 business days following loan closing.1

It’s that easy!

Don’t delay! Applications for this offer must be initiated by February 19.

Apply Today


  1. Membership eligibility required. Offer is good only for new members who are: 1) Spence Brothers employees; and 2) bringing an Auto Loan refinance from another lender. All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Limit one cash refund per new member account. ↩︎ ↩︎2 ↩︎3

  2. 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. ↩︎ ↩︎2

  3. The DCECU Mobile App requires a supported mobile device with internet access, DCECU Online Banking login credentials, and a valid email address on file with DCECU. See dcecu.org/mobile for complete details. ↩︎