The below rates are the anticipated rates and annual percentage yields for the current dividend period. The rates and terms are subject to change without notice. The below rates are the anticipated rates and annual percentage yields for the current dividend period. The rates and terms are subject to change without notice. You must maintain the minimum balance in your account to obtain the Annual Percentage Yield (APY) disclosed. The APY is calculated assuming dividends remain in the account. Premature withdrawal of funds could reduce the earnings on the account. If you close any share account before dividends are paid, you will not receive the accrued dividends. Refer to Account Disclosure for other terms and conditions which may apply. If you have any questions, please call us at (562) 862-8141. DFCU is proud to offer the following competitive rates to its members:
| Account Description | Dividend Period | Minimum Balance to earn dividends | Dividend Rate | Annual Percentage Yield APY* |
| Regular Share Account | Quarterly | $100 | 1.10% | 1.10% |
| Share Draft Checking Account | N/A | N/A | N/A | N/A |
| Money Market Account | Monthly | $2,500 | 1.15% | 1.16% |
| Holiday Club Account | Quarterly | N/A | 1.10% | 1.10% |
| "You Name It" Account | Quarterly | N/A | 1.10% | 1.10% |
| Minor Account (Under 18) | Monthly | $5 | 1.10% | 1.11% |
| CU Succeed Account | Quarterly | $100 | 1.10% | 1.10% |
| Coogan Trust Account | Quarterly | $100 | 1.10% | 1.10% |
| Savings Secured VISA | Quarterly | $500 | 1.10% | 1.10% |
| Summer Survival Account | Quarterly | N/A | 1.10% | 1.10% |
| Account Description | Dividend Period | Minimum Balance | Dividend Rate | APY* |
| 6 Month | Quarterly | $1,000 | 3.21% | 3.25% |
| 12 Month | Quarterly | $1,000 | 3.31% | 3.35% |
| 24 Month | Quarterly | $1,000 | 3.26% | 3.30% |
| 36 Month | Quarterly | $1,000 | 3.31% | 3.35% |
| 48 Month | Quarterly | $1,000 | 3.36% | 3.40% |
| Account Description | Dividend Period | Minimum Balance | Dividend Rate | APY* |
| Regular IRA | Quarterly | N/A | 1.80% | 1.81% |
| 12 Month Traditional IRA | Quarterly | $500 | 3.70% | 3.75% |
| 18 Month Traditional IRA | Quarterly | $500 | 3.94% | 4.00% |
| 30 Month Traditional IRA | Quarterly | $500 | 4.09% | 4.15% |
| 12 Month Roth IRA | Quarterly | $500 | 3.70% | 3.75% |
| 18 Month Roth IRA | Quarterly | $500 | 3.94% | 4.00% |
| 30 Month Roth IRA | Quarterly | $500 | 4.09% | 4.15% |
| 12 Month Education IRA | Quarterly | $500 | 3.70% | 3.75% |
| 18 Month Education IRA | Quarterly | $500 | 3.94% | 4.00% |
| 30 Month Education IRA | Quarterly | $500 | 4.09% | 4.15% |
| 12 Month SEP IRA | Quarterly | $500 | 3.70% | 3.75% |
| 18 Month SEP IRA | Quarterly | $500 | 3.94% | 4.00% |
| 30 Month SEP IRA | Quarterly | $500 | 4.09% | 4.15% |
| Account Description | Rate Type | Annual Percentage Rate (APR) | Maximum Repayment Period | Amount Financed |
| Line of Credit | Fixed Rate | 15.90% Daily Periodic Rate .043562% |
Open End | Up to $12,500 |
| Signature Loan | Fixed Rate | 9.00% | 12 Months | Up to $12,500 |
| Signature Loan | Fixed Rate | 10.90% | 24 Months | Up to $12,500 |
| Signature Loan | Fixed Rate | 12.90% | 36 Months | Up to $12,500 |
| Signature Loan | Fixed Rate | 13.90% | 48 Months | Up to $12,500 |
| Signature Loan | Fixed Rate | 15.90% | 60 Months | Up to $12,500 |
| VISA Classic (No Annual Fee) |
Fixed Rate | 13.20% | Open End | Up to $12,500 |
| NEW Motorcycle, Travel Trailer & ATV NEW Boats & Watercraft |
Fixed Rate | 10.00% 6.75% - 10.00% |
36 - 60 Months 48 - 120 Months |
Up to 80% of purchase price Up to 90% of purchase price |
| ** Promotional Rates may apply. Check with Credit Union ** 60 monthly payments of $24.28 per $1000 borrowed at 15.9% APR |
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| New Autos 2007 & 2008 Year Models |
Fixed Rate | 5.99% 6.25% |
24 - 60 Months 61 - 72 Months |
Up to 100% of purchase price, including tax, license, and extended warranty |
| New Autos Over $30,000 | Fixed Rate | 6.45% | 61 - 72 Months | Up to 100% of purchase price |
| Used Autos 2003 to 2008 Year Models 2000 to 2002 Year Models |
Fixed Rate | 5.50% - 6.25% 8.50% - 9.50% |
24 - 60 Months 24 - 36 Months |
Up to 100% of Retail Kelly Blue Book including tax, license and extended warranty 100% of Wholesale |
| Shared Secured Loan | Fixed Rate | Dividend Rate Plus 3.00% | 120 Months | 100% of Share Account |
| Certificate Secured Loan | Fixed Rate | Dividend Rate Plus 3.00% | Term of Certificate | 100% of Certificate |
| Important Disclosure Information | |
| Annual Percentage Rate For Purchases | 13.2% |
| Grace Period For Repayment Of The Balance For Purchases | 25 Days |
| Method Of Computing The Balance For Purchases | Average Daily Balance (including current transactions) |
| Annual Fees | None |
| Transaction Fee For Cash Advances | None |
| Late Charge | $10.00 After 10 Days |
| Over-The-Credit-Limit Fee | $10.00 |
| Account Description | Rate Type | Annual Percentage Rate (APR) | Maximum Repayment Period | Amount Financed |
| First Trust Deed (Owner Occupied) | Fixed Rate | Quoted Daily | 30 Years (7 Year Call Option) | 80% LTV $750,000 |
| Second Trust Deed (Owner Occupied) | Fixed Rate | 4.00% - 8.00% | 60 Months | 75% LTV $200,000 80% LTV $150,000 90% LTV $25,000-$75,000 |
| Second Trust Deed (Owner Occupied) | Fixed Rate | 5.50% - 7.50% | 120 Months | 75% LTV $200,000 80% LTV $175,000 90% LTV $75,000 |
| Second Trust Deed (Owner Occupied) | Fixed Rate | 6.00% - 7.00% | 180 Months | 75% LTV $200,000 90% LTV $75,000 |
| Rental Equity Second Trust Deed (Non-Owner Occupied) | Fixed Rate | 6.00%-7.00% | 84, 120 or 144 Months | 80% LTV $50,000 |
| HELOC - Home Equity Line of Credit (Owner Occupied) | Variable Rate | Quoted Monthly | Open End 10 Year Draw / 10 Year Repayment | 80% LTV $75,000 to $200,000 90% LTV $75,000 |
| RELOC - Rental Equity Line of Credit (Non-Owner Occupied) | Quoted Monthly | Open End 7 Year Draw / 12 Year Repayment | 80% LTV $50,000 |
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* APY - Annual Percentage Yield |
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 Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. |
 Your savings insured for an additional $250,000 by ASI, the nations largest private deposit insurer. |
 We do business in accordance with the Federal Fair Housing Law & the Equal Credit Opportunity Act. |