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Rates

Printable Rate Sheet
Rates effective 02/22/17

Vehicle Loans

New (2016 or newer)

Rates (APR)1 as low as

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FICO 36 months 48 months 60 months 72 months
≥720
680-719
660-679
640-659
639 or below


Used (2012-2015)

Rates (APR)1 as low as

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FICO 36 months 48 months 60 months 72 months
≥720
680-719
660-679
640-659
639 or below


Used (2011 or older)

Rates (APR)1 as low as

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FICO 24 months 36 months 48 months 60 months
≥720
680-719
660-679
640-659
639 or below


Recreational Vehicle (up to 5 years old)

Rates (APR)1 as low as

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FICO 48 months 72 months 120 months 180 months
≥720
680-719
660-679
640-659
639 or below
1All rates quoted are APR=Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors, and include rate discounts for automatic payment and direct deposit into a DFCU checking account. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. Rates are subject to change without notice.


Credit Card

  Rates (APR)2 as low as
Platinum Visa
Classic Visa
Share-secured Visa
2APR=Rates quoted are the best possible rate for each tier based on credit score and other factors. Rates are subject to change without notice.


Signature/Personal Loan (up to $25,000)

Rates (APR)3 as low as

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FICO 12 months 24 months 36 months 48 months 60 months
≥720
680-719
660-679
640-659
639 or below
3APR=Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors, and include rate discounts for automatic payment and direct deposit into a DFCU checking account. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. (Payment example: $25,000 loan for 60 months at 8.25%APR would require 60 payments of $509.91). Rates are subject to change without notice.


Other Loan Products

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  Terms Rates (APR)4 as low as Amount
Signature Line of Credit Open-ended up to $25,000
Overdraft Line of Credit Open-ended up to $2,000
Shared-secured Loan n/a Dividend + 3.00% 100% of share
Certificate-secured Loan n/a Dividend + 3.00% 100% of certificate
Higher Education Loan (PIH and DUSD employees) 12–60 months up to $25,000
4APR=Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. Rates are subject to change without notice.


Real Estate

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  Rate Type Terms Rates (APR)5 as low as Amount
Home Loan/1st Mortgage (owner-occupied) Fixed 10–30 years Quoted daily up to 80% LTV
Home Equity Loan/2nd Mortgage (owner-occupied) Fixed 60–240 months up to 80% LTV
($400,000 maximum)
Home Equity LOC (HELOC) (owner-occupied) Variable Open-ended (10 year draw / 10 year repayment) up to 80% LTV
($400,000 maximum)
Rental Equity/2nd Trust Deed (non owner-occupied) Fixed 84–144 months up to 70% LTV
($50,000 maximum)
Rental Equity LOC (non owner-occupied) Variable Open-ended (7 year draw / 12 year repayment) up to 70% LTV
($50,000 maximum)
5APR=Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. Rates are subject to change without notice but will not increase more than 6.00% above the initial rate or 18.00%, whichever is less. Estimated costs related to the process: Drive-by Appraisal ($225.00), Title Fees ($230.00-$450.00), Origination Fee ($60.00).DFCU does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act and deposits are Federally Insured by NCUA. Membership in good standing is required in order to be approved for a loan. Additional restrictions apply. Please contact a DFCU Loan Representative, give us a call or visit our branch for complete program details, qualifying criteria, and disclosures.

Savings Accounts

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  Dividend Period Minimum balance to earn dividends Annual Percentage Yield (APY)+
Regular Savings Quarterly $100
Money Market Monthly $2,500
Holiday Club Quarterly $100
You Name It Quarterly $100
Summer Survival Quarterly $100
Kirby Kangaroo Monthly $5
CU Succeed Quarterly $100
Coogan Trust Quarterly $100


Certificates

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Term Dividend Period Minimum balance Dividend Rate Annual Percentage Yield (APY)+
6 month Quarterly $1,000
12 months Quarterly $1,000
24 months Quarterly $1,000
36 months Quarterly $1,000
48 months Quarterly $1,000
Penalties may apply to early withdrawals from Certificate accounts. These are set forth in your Certificate Account agreement and disclosures.


Individual Retirement Accounts (Traditional, Roth, SEP, Coverdell ESA)

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Term Dividend Period Minimum balance Dividend Rate Annual Percentage Yield (APY)+
12 months Quarterly $500
18 months Quarterly $500
36 months Quarterly $500
48 months Quarterly $500
60 months Quarterly $500
IRS and state law penalties: certain federal and state penalties may apply to early withdrawals from IRA accounts. These are set forth in your Individual Retirement Account agreement and disclosures.