Rates
Compare DFCU Rates
Account Rates
Savings Accounts
Savings Accounts
| Product Name | Rate | APY |
|---|---|---|
| Membership Savings | 0.05% | 0.05% |
| Special Savings | 0.05% | 0.05% |
| IRA Savings | 0.20% | 0.20% |
| Student Savings | 0.05% | 0.05% |
| Youth Cents Savings | 0.05% | 0.05% |
Mission Savings Fund
| Balance Range | Rate | APY | Loyalty Rate | Loyalty APY |
|---|---|---|---|---|
| $0–$15,000 | 3.45% | 3.50% | 3.93% | 4.00% |
| $15,000+ | 0.05% | 0.05% | 0.05% | 0.05% |
Rates quoted as annual percentage yield (APY). For Regular Membership Savings Accounts, APY is earned on balances over $30.00, but the interest is calculated for the entire balance of the account. For other types of Savings Accounts, APY is earned on balances beginning at $0.01. Fees could reduce earnings. Rates subject to change after account opening.
Checking Accounts
Checking Accounts
| Product Name | Balance Range | Rate | APY |
|---|---|---|---|
| Regular | — | 0.00% | 0.00% |
| First Choice Cash Back | — | 0.00% | 0.00% |
| Interest / Platinum / Platinum Rewards (Non-Qualifying) | — | 0.05% | 0.05% |
| First Choice Interest $0–$10,000 | $0–$10,000 | 0.50% | 0.50% |
| First Choice Interest $10,000+ | $10,000+ | 0.05% | 0.05% |
| First Choice Platinum $0–$10,000 | $0–$10,000 | 1.00% | 1.00% |
| First Choice Platinum $10,000+ | $10,000+ | 0.05% | 0.05% |
| First Choice Platinum Rewards $0–$10,000 | $0–$10,000 | 0.50% | 0.50% |
| First Choice Platinum Rewards $10,000+ | $10,000+ | 0.05% | 0.05% |
Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $.01. Fees could reduce earnings. Rates subject to change after account opening. In order to qualify for the advertised rates you must satisfy the following requirements each monthly qualification cycle: Have at least one payroll or retirement direct deposit transaction post and clear; Sign up to receive e-Statements rather than paper; Provide DFCU with a valid email address; Use your debit or credit card, as applicable, to make at least 10 separate purchases that post and clear.
Share Certificates
Share Certificates
| Term (Months) | Min Balance | Rate | APY | Loyalty Rate | Loyalty APY |
|---|---|---|---|---|---|
| 3 | $500.00 | 0.05% | 0.05% | 0.05% | 0.05% |
| 6 | $500.00 | 3.83% | 3.90% | 3.83% | 3.90% |
| 12 | $500.00 | 3.87% | 3.95% | 3.87% | 3.95% |
| 24 | $500.00 | 4.02% | 4.10% | 4.02% | 4.10% |
| 36 | $500.00 | 3.92% | 4.00% | 3.92% | 4.00% |
| 48 | $500.00 | 3.92% | 4.00% | 3.92% | 4.00% |
| 60 | $500.00 | 3.97% | 4.05% | 3.97% | 4.05% |
Jumbo Share Certificates
| Product Name | Term (Months) | Min Balance | Rate | APY | Loyalty Rate | Loyalty APY |
|---|---|---|---|---|---|---|
| 6 Months | 6 | $75,000.00 | 3.83% | 3.90% | 3.83% | 3.90% |
| 12 Months | 12 | $75,000.00 | 3.87% | 3.95% | 3.87% | 3.95% |
| 24 Months | 24 | $75,000.00 | 4.02% | 4.10% | 4.02% | 4.10% |
| 36 Months | 36 | $75,000.00 | 3.92% | 4.00% | 3.92% | 4.00% |
| 48 Months | 48 | $75,000.00 | 3.92% | 4.00% | 3.92% | 4.00% |
| 60 Months | 60 | $75,000.00 | 3.97% | 4.05% | 3.97% | 4.05% |
Rates quoted as annual percentage yield (APY). Minimum balance to open the account and earn the advertised APY for Regular Share Certificates is $500.00. Minimum balance for Jumbo is $75,000. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Rates subject to change.
IRA Share Certificates
IRA Share Certificates
| Product Name | Term (Months) | Min Balance | Rate | APY | Loyalty Rate | Loyalty APY |
|---|---|---|---|---|---|---|
| 3 Months | 3 | $500.00 | 0.05% | 0.05% | 0.05% | 0.05% |
| 6 Months | 6 | $500.00 | 3.83% | 3.90% | 3.83% | 3.90% |
| 12 Months | 12 | $500.00 | 3.87% | 3.95% | 3.87% | 3.95% |
| 24 Months | 24 | $500.00 | 4.02% | 4.10% | 4.02% | 4.10% |
| 36 Months | 36 | $500.00 | 3.92% | 4.00% | 3.92% | 4.00% |
| 48 Months | 48 | $500.00 | 3.92% | 4.00% | 3.92% | 4.00% |
| 60 Months | 60 | $500.00 | 3.97% | 4.05% | 3.97% | 4.05% |
IRA Jumbo Share Certificates
| Product Name | Term (Months) | Min Balance | Rate | APY | Loyalty Rate | Loyalty APY |
|---|---|---|---|---|---|---|
| 6 Months | 6 | $75,000.00 | 3.83% | 3.90% | 3.83% | 3.90% |
| 12 Months | 12 | $75,000.00 | 3.87% | 3.95% | 3.87% | 3.95% |
| 24 Months | 24 | $75,000.00 | 4.02% | 4.10% | 4.02% | 4.10% |
| 36 Months | 36 | $75,000.00 | 3.92% | 4.00% | 3.92% | 4.00% |
| 48 Months | 48 | $75,000.00 | 3.92% | 4.00% | 3.92% | 4.00% |
| 60 Months | 60 | $75,000.00 | 3.97% | 4.05% | 3.97% | 4.05% |
Rates quoted as annual percentage yield (APY). Minimum balance to open the account and earn the advertised APY for Regular Share Certificates is $500.00. Minimum balance for Jumbo is $75,000. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Rates subject to change.
Money Market Accounts
Money Market Accounts
| Product Name | Balance Range | Rate | APY | Loyalty Rate | Loyalty APY |
|---|---|---|---|---|---|
| $0–$2,499 | $0–$2,499 | 0.25% | 0.25% | 0.25% | 0.25% |
| $2,500–$19,999 | $2,500–$19,999 | 1.09% | 1.10% | 1.09% | 1.10% |
| $20,000–$99,999 | $20,000–$99,999 | 1.98% | 2.00% | 1.98% | 2.00% |
| $100,000–$249,999 | $100,000–$249,999 | 2.57% | 2.60% | 2.57% | 2.60% |
| $250,000–$499,999 | $250,000–$499,999 | 3.30% | 3.35% | 3.30% | 3.35% |
| $500,000–$999,999 | $500,000–$999,999 | 3.40% | 3.45% | 3.40% | 3.45% |
| $1,000,000+ | $1,000,000+ | 3.78% | 3.85% | 3.78% | 3.85% |
Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $0.01. Fees could reduce earnings. Rates subject to change after account opening.
Loan Rates
Auto & RV Loans
Auto Loans
| Term (Months) | APR |
|---|---|
| 48 | 5.24% |
| 60 | 5.24% |
| 72 | 5.49% |
| 84 | 6.24% |
RV & Recreation Loans
| Product Name | APR | Notes |
|---|---|---|
| Motorcycles | 7.99% | Up to 7 years |
| ATVs | 7.99% | Up to 7 years |
| Personal Watercraft | 7.99% | Up to 7 years |
| Snowmobiles | 7.99% | Up to 7 years |
| Side-by-sides | 8.49% | Up to 15 years |
| Fifth Wheels | 8.49% | Up to 15 years |
| Camper Trailers | 8.49% | Up to 15 years |
| Motorhomes | 8.49% | Up to 15 years |
| Boats | 8.49% | Up to 15 years |
The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness as well as the age, mileage and title status of the vehicle. Membership and eligibility required. Offer subject to change. OAC.
Home Equity Line of Credit
Home Equity Lines of Credit
| Product Name | Rate | APR |
|---|---|---|
| HELOC 20-Year Term (10-Year Draw) | 6.75% | 6.75% |
The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Terms and conditions may apply. OAC. Offer subject to change. HELOC is a variable rate loan with rates as low as Prime Rate plus margin, with a 3.50% floor. Maximum interest rate over the life of the loan is 18% APR. Rate stated as Annual Percentage Rate. Membership and eligibility required. Terms and conditions apply. O.A.C.
Additional Mortgage Rates
Second Mortgage
| Product Name | Rate | APR |
|---|---|---|
| 5-Year 2nd Mortgage | 7.00% | 7.00% |
| 10-Year 2nd Mortgage | 7.50% | 7.50% |
| 6-Year Balloon (15-year amortization) | 7.50% | 7.50% |
| 6-Year Balloon (30-year amortization) | 7.75% | 7.75% |
Home Building & Lot Loans
| Product Name | Rate | APR |
|---|---|---|
| Lot Loan — 3-year Balloon (30 year amortization) | 7.75% | 7.75% |
| Lot Loan — 5-year Balloon (30 year amortization) | 8.00% | 8.00% |
Short-Term Mortgages
| Product Name | Rate | APR |
|---|---|---|
| 10-Year Fixed Rate | 5.74% | 6.33% |
The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Terms and conditions may apply. OAC. Offer subject to change.
Personal Loans
Personal Loans
| Product Name | Term (Months) | Rate | APR | Notes |
|---|---|---|---|---|
| 24-Month Fixed-Rate | 24 | 12.14% | 12.14% | — |
| 36-Month Fixed-Rate | 36 | 12.24% | 12.24% | — |
| 48-Month Fixed-Rate | 48 | 12.49% | 12.49% | — |
| 60-Month Fixed-Rate | 60 | 12.99% | 12.99% | — |
| Overdraft Line of Credit | — | — | 10.90% | As low as |
The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Offer subject to change. OAC.
Credit Card Rates
Credit Cards
Credit Card Products
| Product Name | APR | Notes |
|---|---|---|
| Visa Platinum | 8.90% | As low as |
| Visa Platinum Rewards | 10.90% | As low as |
| Visa Signature | 17.90% | As low as |
The annual percentage rates (APRs) listed here represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Foreign transaction fees apply: 1% of purchase. Cash advance fees apply: 1.5% of advance. Membership and eligibility required. Offer subject to change. OAC.
Business Rates
Business Savings
Business Savings
| Product Name | Rate | APY |
|---|---|---|
| Membership Savings | 0.05% | 0.05% |
| Special Savings | 0.05% | 0.05% |
Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $.01. Fees could reduce earnings. Rates subject to change after account opening.
Business Share Certificates
Business Share Certificates
| Product Name | Term (Months) | Min Balance | Rate | APY |
|---|---|---|---|---|
| 3 Months | 3 | $500.00 | 0.05% | 0.05% |
| 6 Months | 6 | $500.00 | 3.83% | 3.90% |
| 12 Months | 12 | $500.00 | 3.87% | 3.95% |
| 24 Months | 24 | $500.00 | 4.02% | 4.10% |
| 36 Months | 36 | $500.00 | 3.92% | 4.00% |
| 48 Months | 48 | $500.00 | 3.92% | 4.00% |
| 60 Months | 60 | $500.00 | 3.97% | 4.05% |
Business Jumbo Certificates
| Product Name | Term (Months) | Min Balance | Rate | APY |
|---|---|---|---|---|
| 6 Months | 6 | $75,000.00 | 3.83% | 3.90% |
| 12 Months | 12 | $75,000.00 | 3.87% | 3.95% |
| 24 Months | 24 | $75,000.00 | 4.02% | 4.10% |
| 36 Months | 36 | $75,000.00 | 3.92% | 4.00% |
| 48 Months | 48 | $75,000.00 | 3.92% | 4.00% |
| 60 Months | 60 | $75,000.00 | 3.97% | 4.05% |
Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $.01. Minimum balance to open the account and earn the advertised APY is $500.00. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Rates subject to change after account opening.
Business Money Market
Business Money Market
| Product Name | Balance Range | Rate | APY |
|---|---|---|---|
| $0–$2,499 | $0–$2,499 | 0.25% | 0.25% |
| $2,500–$19,999 | $2,500–$19,999 | 1.09% | 1.10% |
| $20,000–$99,999 | $20,000–$99,999 | 1.98% | 2.00% |
| $100,000–$249,999 | $100,000–$249,999 | 2.57% | 2.60% |
| $250,000–$499,999 | $250,000–$499,999 | 3.30% | 3.35% |
| $500,000–$999,999 | $500,000–$999,999 | 3.40% | 3.45% |
| $1,000,000+ | $1,000,000+ | 3.78% | 3.85% |
Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $.01. Minimum balance to open the account and earn the advertised APY is $500.00. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Rates subject to change after account opening.
Your savings are insured up to $250,000 by the National Credit Union Administration, a U.S. Government Agency. Membership and eligibility required. Terms and conditions apply.
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