Information and Alerts

Compare DFCU Rates


We offer a variety of rates and terms

Account Rates

Savings Account Rates
Account TypeRateAPY
Membership Savings0.05%0.05%
Special Savings0.05%0.05%
IRA Savings0.20%0.20%
Mission Savings Fund Rates
Savings AmountRateAPYLoyalty RateLoyalty APY
$0–$14,9994.17%4.25%4.65%4.75%
$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.

Compare Savings Accounts

IRA Regular ($500 minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
3 Months0.05%0.05%0.05%0.05%
6 Months5.12%5.25%5.12%5.25%
12 Months5.12%5.25%5.12%5.25%
24 Months4.40%4.50%4.40%4.50%
36 Months3.92%4.00%3.92%4.00%
48 Months3.92%4.00%3.92%4.00%
60 Months3.92%4.00%3.92%4.00%
IRA Jumbo ($75,000 minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
6 Months5.12%5.25%5.12%5.25%
12 Months5.12%5.25%5.12%5.25%
24 Months4.40%4.50%4.40%4.50%
36 Months3.92%4.00%3.92%4.00%
48 Months3.92%4.00%3.92%4.00%
60 Months3.92%4.00%3.92%4.00%
BUMP Rates ($500 Minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
18 Months4.40%4.50%4.40%4.50%

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.

**Our IRA Bump Certificate is not currently offered. But for members who have an existing 18-month IRA Bump Certificate, here are the current rates. With our bump certificate, remember you may bump your rate once during the term. If you wish to bump your rate today, please contact us at a branch, via the message center in online banking, or by calling us at 801-456-7000 or 800-326-3328.

View IRA Details

Money Market Rates
Savings BalanceRateAPYLoyalty RateLoyalty APY
$0–$2,4990.25%0.25%0.25%0.25%
$2,500–$19,9991.49%1.50%1.49%1.50%
$20,000–$99,9992.47%2.50%2.47%2.50%
$100,000-$249,9993.20%3.25%3.20%3.25%
$250,000-$499,9994.17%4.25%4.17%4.25%
$500,000-$999,9994.17%4.25%4.17%4.25%
$1,000,000+4.17%4.25%4.17%4.25%

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.

Money Market Details

Regular Rates ($500 Minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
3 Months0.05%0.05%0.05%0.05%
6 Months5.12%5.25%5.12%5.25%
12 Months5.12%5.25%5.12%5.25%
24 Months4.40%4.50%4.40%4.50%
36 Months3.92%4.00%3.92%4.00%
48 Months3.92%4.00%3.92%4.00%
60 Months3.92%4.00%3.92%4.00%
Jumbo Rates ($75,000 Minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
6 Months5.12%5.25%5.12%5.25%
12 Months5.12%5.25%5.12%5.25%
24 Months4.40%4.50%4.40%4.50%
36 Months3.92%4.00%3.92%4.00%
48 Months3.92%4.00%3.92%4.00%
60 Months3.92%4.00%3.92%4.00%
BUMP Rates ($500 Minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
18 Months4.40%4.50%4.40%4.50%

*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.

**Our Bump Certificate is not currently offered. But for members who have an existing 18-month Bump Certificate, here are the current rates. With our bump certificate, remember you may bump your rate once during the term. If you wish to bump your rate today, please contact us at a branch, via the message center in online banking, or by calling us at 801-456-7000 or 800-326-3328.

Share Certificate Choices

Checking Account Rates
Account TypeTierRateAPY
Regular0.00%0.00%
First Choice Cash Back0.00%0.00%
Interest, Platinum & Platinum Rewards Non-Qualifying Rate0.05%0.05%
First Choice Interest$0 - $10,000
$10,000+
0.50%
0.05%
0.50%
0.05%
First Choice Platinum $0 - $10,000
$10,000+
1.00%
0.05%
1.00%
0.05%
First Choice Platinum Rewards$0 - $10,000
$10,000+
0.50%
0.05%
0.50%
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
Compare Checking Accounts

Loan Rates

Current Auto Loan Rates
Loan Term LengthAPR*
24 to 48 Months6.99%
60 Months6.99%
72 Months7.24%
84 Months7.99%
Current RV Loan Rates
Loan TypeTermAPR
MotorcyclesUp to 7 years9.24%
ATVsUp to 7 years9.24%
Personal WatercraftUp to 7 years9.24%
SnowmobilesUp to 7 years9.24%
Side-by-sidesUp to 15 years9.74%
Fifth WheelsUp to 15 years9.74%
Camper TrailersUp to 15 years9.74%
MotorhomesUp to 15 years9.74%
BoatsUp to 15 years9.74%

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.

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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.

Mortgage Overview

HELOC Rate
TermRateAPR
HELOC 20-Year Term (10-Year Draw)*9.50%9.50%
Second Mortgage Rates
TermRateAPR
5-Year 2nd Mortgage7.00%7.00%
10-Year 2nd Mortgage7.50%7.50%
6-Year Balloon (15-year amortization)8.00%8.00%
6-Year Balloon (30-year amortization)8.25%8.25%
Like these rates? Give us a call and let us lock you in!
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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.

Mortgage Overview

Home Building Rates
Loan Type & TermRateAPR
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 Mortgage Rates
TermRateAPR
5-Year Fixed Rate7.5%8.120%
10-Year Fixed Rate9%9.347%
Like these rates? Give us a call and let us lock you in!
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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.

Mortgage Overview

Signature Loan Rates
Loan TermRateAPR
24-Month Fixed-Rate10.89%10.89%
36-Month Fixed-Rate10.99%10.99%
48-Month Fixed-Rate11.49%11.49%
60-Month Fixed-Rate12.49%12.49%
Overdraft Interest Rate
ProductFixed APR
Overdraft Line of CreditAs low as 10.9%

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.

Personal Loan Details

Credit Card Rates

Credit Card Interest Rates
Card TypeFixed APR
Visa PlatinumAs low as 8.9%
Visa Platinum RewardsAs low as 10.9%
Visa SignatureAs low as 17.9%

Offering a variety of fixed-rate cards.

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.

Compare Credit Cards

Business Rates

Business Savings Rates
Account TypeRateAPY
Membership Savings0.05%0.05%
Special Savings0.05%0.05%
Business Checking Rates
Account TypeRateAPY
Business Advantage Checking0.00%0.00%

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 Accounts

Business Share Certificates
Term LengthRateAPY
3 Months0.05%0.05%
6 Months5.12%5.25%
12 Months5.12%5.25%
24 Months4.40%4.50%
36 Months3.92%4.00%
48 Months3.92%4.00%
60 Months3.92%4.00%
Jumbo Business Share Certificates
Term LengthRateAPY
6 Months5.12%5.25%
12 Months5.12%5.25%
24 Months4.40%4.50%
36 Months3.92%4.00%
48 Months3.92%4.00%
60 Months3.92%4.00%

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 Accounts

Business Money Market Rates
TierRateAPY
$0 – $2,4990.25%0.25%
$2,500 – $19,9991.49%1.50%
$20,000 – $99,9992.47%2.50%
$100,000 - $249,9993.20%3.25%
$250,000 - $499,9994.17%4.25%
$500,000 - $999,9994.17%4.25%
$1,000,000 +4.17%4.25%

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 Savings

Business Credit Card Rates
Card TypeAPR
Platinum BusinessAs low as 16.85%
Platinum Business RewardsAs low as 17.9%

The annual percentage rates (APRs) listed above 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 Cards

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