Loans

Vehicle Loans

New (2025 or newer)

FICO	36 months	48 months	60 months	72 months
≥720
680-719
640-679
600-639
599 or below

Used (2020 to 2024)

FICO	36 months	48 months	60 months	72 months
≥720
680-719
640-679
600-639
599 or below

Used (2019 or older)

FICO	24 months	36 months	48 months	60 months
≥720
680-719
640-679
600-639
599 or below

Boats and Recreational Vehicles (up to 5 years old)

FICO	48 months	60 months	72 months	120 months	180 months
≥720
680-719
640-679
600-639
599 or below

Motorcycles, Personal Watercraft, All-Terrain

FICO	48 months	60 months	72 months
≥720
680-719
640-679
600-639
599 or below

Personal Loan

FICO	12 months	24 months	36 months	48 months	60 months
≥720
680-719
640-679
600-639
599 or below

Credit Card

DFCU Credit Cards

FICO	Annual Percentage Rate	Card Type
720+	APR*	Platinum
680-719	APR*	Platinum
640-679	APR*	Classic
600-639	APR*	Classic
≤599	APR*	Classic

Rewards Credit Cards

FICO	Annual Percentage Rate
720+	APR*
680-719	APR*
640-679	APR*
600-639	APR*

Other Loan Products

Product	Terms	Rates (APR)4 as low as	Amount
Signature Line of Credit	Open-ended		up to $25,000
Shared-secured Loan	120 months	Dividend + 3.00%	100% of share
Certificate-secured Loan	n/a	Dividend + 3.00%	100% of certificate

Real Estate

Product	Rate Type	Rates (APR)5 as low as	Amount
Home Loan/1st Mortgage (owner-occupied)	Fixed	Quoted daily	up to 80% LTV
Home Equity Loan/2nd Mortgage (owner-occupied)	Fixed		up to 80% LTV ($400,000 maximum)
Home Equity LOC (HELOC) (owner-occupied)	Variable		up to 80% LTV ($400,000 maximum)
Rental Equity/2nd Trust Deed (non owner-occupied)	Fixed		up to 70% LTV ($50,000 maximum)
Rental Equity LOC (non owner-occupied)	Variable		up to 70% LTV ($50,000 maximum)