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Holiday Loan

Do you need a little extra cash for the holidays? Destinations Credit Union may be able to help!

  • In order to be considered for this loan, you must meet the following qualifications:
  • Members in good standing who have had their accounts open for at least 12 months may apply for a holiday loan of $1,000 to $2,500
  • You’ll need proof of earned income for the past 2 months (no sick pay, unemployment or  workman’s compensation will be accepted).
  • All of your DCU accounts must be in good standing (no negative balances, no loss caused to the Credit Union, no delinquency for 30 days or more on a DCU loan and no bankruptcy within the past 12 months).
    You must have a credit score of at least 550, be current on all mortgage and auto debts, and not have any outstanding tax liens.
  • If you have an existing Holiday Loan with a balance still outstanding, we will pay off that loan.
    The loan must be repaid using direct deposit or payroll deduction only – no transfer payments allowed.

Apply today!

November Skip-A-Payment

Here's a way to make this holiday season easier on your wallet. Choose to skip your payment(s) that's normally due in November. Then use that money to make your holidays a little bit jollier! You can skip one month’s payment (one monthly payment, 4 weekly payments, two bi-weekly payments, or two semi-monthly payments) on any of your Destinations Credit Union loans except for mortgages, home equities and open-end lines of credit. You must have been paying on the loan for a minimum of 3 months with no delinquency and be a member in good standing. You will be charged a $35 processing fee for the skipped payment. Funds must be available for the fee at the time you submit the Skip-A-Payment Request form. Interest will continue to accrue on your loan(s). Cosigners on any loan must also sign the Skip-A-Payment Request. Your loan term may be extended, and other restrictions may apply.*

Apply online or click here to get the paper application to print.

*This request must be made by October 31, 2020 to skip a payment in November.


The Annual Meeting of Destinations Credit Union will be held on Thursday, March 18, 2021 at 4:00 pm. Due to the continuing uncertainty of the current pandemic, this meeting will be held virtually. The link to the meeting will be added to below as the meeting date approaches.
To access the Annual Meeting you will need the following information to log in:
  • Member number
  • Last 4 digits of your Social Security Number

Call for Nominations

As a member of the Credit Union, you are also an owner. You have the right to elect the Board of Directors. The Nominating Committee is seeking interested and qualified members to serve on the Board. Three incumbent, three-year terms will be open for the 2021.
The Nominating Committee requires a Director to be a member in good standing for at least 2 years and be 18 years or older with qualified experience. If any applicant is not nominated by the Nominating Committee as a candidate for the Board of Directors, the applicant may seek nomination by a petition signed by the membership. If you are interested, please download the application from our web site, or you may contact Sonia at 410-663-2500 ext. 134 or e-mail her at [email protected] She will provide application materials.
The deadline for applications is Friday, December 18, 2020. If there are more than three candidates for the open seats, a mail ballot will be sent to all qualified members. The election results will be announced at the Annual Meeting on March 18.



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