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Rates

Printable Rate Sheet
Rates effective 03/28/24

Vehicle Loans

New (2024 or newer)

Rates (APR)1 as low as

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FICO 36 months 48 months 60 months 72 months
≥720 5.24% 5.74% 5.99% 6.24%
680-719 7.25% 7.50% 7.75% 8.25%
640-679 10.50% 10.75% 11.00% 11.50%
600-639 13.25% 13.50% 13.75% 14.25%
599 or below 16.75% 17.00% 17.25% 17.50%
1APR = 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 Shield Elite Checking account holders 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 72 months at 6.24% APR would require 72 payments of $417.16). Rates are subject to change without notice.


Used (2019 to 2023)

Rates (APR)1 as low as

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FICO 36 months 48 months 60 months 72 months
≥720 5.24% 5.74% 5.99% 6.24%
680-719 7.25% 7.50% 7.75% 8.25%
640-679 10.50% 10.75% 11.00% 11.50%
600-639 13.25% 13.50% 13.75% 14.25%
599 or below 16.75% 17.00% 17.25% 17.50%
1APR = 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 Shield Elite Checking account holders 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: $20,000 loan for 60 months at 5.99% APR would require 60 payments of $386.56). Rates are subject to change without notice.


Used (2018 or older)

Rates (APR)1 as low as

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FICO 24 months 36 months 48 months 60 months
≥720 6.25% 6.50% 6.75% 7.25%
680-719 7.75% 8.00% 8.25% 8.75%
640-679 11.25% 11.50% 11.75% 12.25%
600-639 14.25% 14.50% 14.75% 15.25%
599 or below 16.75% 17.00% 17.25% 17.50%
1APR = 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 Shield Elite Checking account holders 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: $15,000 loan for 48 months at 6.75% APR would require 48 payments of $357.46). Rates are subject to change without notice.


Boats and Recreational Vehicles (up to 5 years old)

Rates (APR)1 as low as

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FICO 48 months 60 months 72 months 120 months 180 months
≥720 8.74% 9.00% 9.25% 9.75% 10.50%
680-719 10.25% 10.50% 10.75% 11.25% 12.00%
640-679 12.25% 12.50% 13.25% 13.25% 14.00%
600-639 14.25% 14.50% 14.75% 15.25% 16.00%
599 or below 16.75% 17.00% 17.25% 17.50% 17.50%

The terms of repayment, which reflect the repayment obligations over the full term of the loan, including any balloon payment (i.e. 60 monthly payments of $17.52 per $1,000 borrowed.)

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 Shield Elite Checking account holders 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: $80,000 loan for 180 months at 10.5% APR would require 180 payments of $884.32). Rates are subject to change without notice.


Motorcycles, Personal Watercraft, All-Terrain

Rates (APR)1 as low as

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FICO 48 months 60 months 72 months
≥720 8.99% 9.25% 9.50%
680-719 10.50% 10.75% 11.00%
640-679 12.50% 12.75% 13.00%
600-639 14.50% 14.75% 15.00%
599 or below 17.50% 17.50% 17.50%
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 Shield Elite Checking account holders 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: $15,000 loan for 48 months at 8.99% APR would require 48 payments of $373.20). Rates are subject to change without notice.


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 9.00% 9.25% 9.75% 10.00% 10.25%
680-719 10.50% 10.75% 11.25% 11.50% 11.75%
640-679 12.75% 13.00% 13.50% 13.75% 14.00%
600-639 15.25% 15.50% 16.00% 16.25% 16.50%
599 or below 17.25% 17.50% 17.50% 17.50% 17.50%
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 Shield Elite Checking account holders 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: $15,000 loan for 60 months at 10.25% APR would require 60 payments of $320.55). Rates are subject to change without notice.


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

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Product Terms Rates (APR)4 as low as Amount
Signature Line of Credit Open-ended 8.90% 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
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.

Line of Credit Agreement



Real Estate

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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 8.00% up to 80% LTV
($400,000 maximum)
Home Equity LOC (HELOC) (owner-occupied) Variable 8.75% up to 80% LTV
($400,000 maximum)
Rental Equity/2nd Trust Deed (non owner-occupied) Fixed 10.50% up to 70% LTV
($50,000 maximum)
Rental Equity LOC (non owner-occupied) Variable 8.50% 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.

Home and Rental Line of Credit Agreement

Savings Accounts

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Product Dividend Period Minimum balance to earn dividends Minimum deposit to open account Annual Percentage Yield (APY)+
Regular Savings Quarterly $100 $5 0.03%
Holiday Club Quarterly $100 $25 0.15%
You Name It Quarterly $100 $25 0.03%
Summer Survival Quarterly $100 $25 2.00%
Berenstain Bears Cub Account Monthly $5 $5 0.15%
Money Smart Monthly $5 $5 0.15%
Coogan Trust Quarterly $100 $5 0.05%
IRA Share Quarterly $100 $25 0.25%
Fees could reduce earnings.


Elevate Savings Account

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Balance Dividend Period Annual Percentage Yield (APY)+
$0 - $2,000 Monthly 5.00%
$2,001 - $5,000 Monthly 1.50%
$5,001 and above Monthly 0.30%


Shield Elite Checking Account

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Balance Dividend Period Annual Percentage Yield (APY)+
Up to $2,499.99 Monthly 0.10%
$2,500.00 and over Monthly 0.20%


Tiered Money Market Accounts

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Balance Dividend Period Annual Percentage Yield (APY)+
$2,500 - $9,999.99 Monthly 0.10%
$10,000 - $24,999.99 Monthly 0.25%
$25,000 - $49,999.99 Monthly 0.40%
$50,000 - $99,999.99 Monthly 0.75%
$100,000+ Monthly 1.25%
Money Market shares opened prior to 04/01/18 with balances of $2,500 or more will continue to earn a monthly dividend rate of 0.05% and APY+ of 0.05%.


Flex CD & IRA Accounts

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Product Details Term Dividend Period Minimum balance to open
account and earn dividends
Dividend Rate Annual Percentage Yield (APY)+
With a Shield Elite Checking Account 10 months Quarterly $2,000 5.15% 5.25%
Without a Shield Elite Checking Account 10 months Quarterly $2,000 4.66% 4.75%
After seven calendar days of opening, the Flex CD and Flex IRA allows for a one-time withdrawal of up to 50% of the current certificate balance or IRA balance with no DFCU penalties. Early IRA withdrawal penalties are subject to any IRS penalties as disclosed in the appropriate Credit Union IRA Custodial Agreement. All IRA deposit and withdrawal IRS limitations apply. Consult with a tax specialist for any IRA withdrawals IRS penalties. Any additional withdrawals (partial/full) or closing of the Flex certificate or Flex IRA before the 10-month end date will result in penalties.


Certificates

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Term Dividend Period Minimum balance to open account and earn dividends Dividend Rate Annual Percentage Yield (APY)+
6 month Quarterly $1,000 1.24% 1.25%
12 months Quarterly $1,000 1.49% 1.50%
24 months Quarterly $1,000 1.73% 1.75%
36 months Quarterly $1,000 1.98% 2.00%
48 months Quarterly $1,000 2.23% 2.25%
60 months Quarterly $1,000 2.47% 2.50%
Penalties may apply to early withdrawals from Certificate accounts. These are set forth in your Certificate Account agreement and disclosures. Fees could reduce earnings.


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

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Term Dividend Period Minimum balance to open account and earn dividends Dividend Rate Annual Percentage Yield (APY)+
12 months Quarterly $500 1.98% 2.00%
18 months Quarterly $500 2.23% 2.25%
24 months Quarterly $500 2.47% 2.50%
36 months Quarterly $500 2.72% 2.75%
48 months Quarterly $500 2.96% 3.00%
60 months Quarterly $500 3.21% 3.25%
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. Fees could reduce earnings.