Today's Rates
See the range of rates and terms for savings and checking accounts. We also have several different rates for loans and mortgages.
Account Rates
Savings Accounts
General Savings Accounts
| Account Type | Rate | APY |
|---|---|---|
| Membership Savings | 0.05% | 0.05% |
| Special Savings | 0.05% | 0.05% |
| IRA Savings | 0.20% | 0.20% |
| Student Savings | 0.05% | 0.05% |
| Youth Cents Savings | 0.05% | 0.05% |
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.
Mission Savings Fund
| Savings Amount | Rate | APY | Loyalty Rate | Loyalty APY |
|---|---|---|---|---|
| $0–$15,000 | 3.54% | 3.60% | 4.02% | 4.10% |
| $15,000+ | 0.05% | 0.05% | 0.05% | 0.05% |
Money Market Accounts
| Balance Range | Rate | APY | Loyalty Rate | Loyalty APY |
|---|---|---|---|---|
| $0–$2,499 | 0.25% | 0.25% | 0.25% | 0.25% |
| $2,500–$19,999 | 1.09% | 1.10% | 1.09% | 1.10% |
| $20,000–$99,999 | 1.98% | 2.00% | 1.98% | 2.00% |
| $100,000–$249,999 | 2.57% | 2.60% | 2.57% | 2.60% |
| $250,000–$499,999 | 3.30% | 3.35% | 3.30% | 3.35% |
| $500,000–$999,999 | 3.40% | 3.45% | 3.40% | 3.45% |
| $1,000,000+ | 3.78% | 3.85% | 3.78% | 3.85% |
Platinum Savings
| Balance Range | Rate | APY |
|---|---|---|
| $0-$9,999 | 0.05% | 0.05% |
| $10,000-$99,999 | 1.98% | 2.00% |
| $100,000-$1,000,000 | 2.81% | 2.85% |
Fees could reduce earnings. Rates subject to change after account opening.
Checking Accounts
Standard Checking Accounts
| Account Type | Rate | APY |
|---|---|---|
| Regular | 0.00% | 0.00% |
| First Choice Cash Back | 0.00% | 0.00% |
| Interest / Platinum / Platinum Rewards (Non-Qualifying) | 0.05% | 0.05% |
First Choice Checking
| Account Type | Balance Range | Rate | APY |
|---|---|---|---|
| First Choice Interest | $0 - $10,000 | 0.50% | 0.50% |
| First Choice Interest | $10,000+ | 0.05% | 0.05% |
| First Choice Platinum | $0 - $10,000 | 1.00% | 1.00% |
| First Choice Platinum | $10,000+ | 0.05% | 0.05% |
| First Choice Platinum Rewards | $0 - $10,000 | 0.50% | 0.50% |
| First Choice Platinum Rewards | $10,000+ | 0.05% | 0.05% |
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.
Loan Rates
Personal Loans
Standard Personal Loans
| Loan Term | Rate | APR |
|---|---|---|
| 24-Month Fixed-Rate | 12.14% | 12.14% |
| 36-Month Fixed-Rate | 12.24% | 12.24% |
| 48-Month Fixed-Rate | 12.49% | 12.49% |
| 60-Month Fixed-Rate | 12.99% | 12.99% |
Overdraft Loans
| Product Name | APR |
|---|---|
| Overdraft Line of Credit | 10.90% |
Your individual rate may be higher depending upon your creditworthiness.
Auto & RV Loans
Auto Loans
| Term (Months) | APR |
|---|---|
| 24 - 48 | 4.74% |
| 60 | 4.74% |
| 72 | 5.49% |
| 84 | 6.24% |
RV & Recreation Loans
| Vehicle Type | Term | APR |
|---|---|---|
| Motorcycles | Up to 5 years | 7.74% |
| ATVs | Up to 5 years | 7.74% |
| Personal Watercraft | Up to 5 years | 7.74% |
| Snowmobiles | Up to 5 years | 7.74% |
| Side-by-sides | Up to 15 years | 7.74% |
| Fifth Wheels | Up to 15 years | 7.74% |
| Camper Trailers | Up to 15 years | 7.74% |
| Motorhomes | Up to 15 years | 7.74% |
| Boats | Up to 15 years | 7.74% |
Your individual rate may be higher depending upon your creditworthiness as well as the age, mileage and title status of the vehicle.
Credit Cards
Visa Credit Cards
| Card Type | APR |
|---|---|
| Visa Platinum | 8.90% |
| Visa Platinum Rewards | 10.90% |
| Visa Signature | 17.90% |
Foreign transaction fees apply: 1% of purchase. Cash advance fees apply: 1.5% of advance.
Conventional Mortgages
Mortgage Rates
| Home Loan Product | Rate | APR |
|---|---|---|
| 30-Year Fixed | 7.125% | 7.259% |
| 20-Year Fixed | 7.125% | 7.299% |
| 15-Year Fixed | 6.490% | 6.703% |
| 10-Year Fixed | 6.625% | 6.925% |
| 5/6 ARM | 7.500% | 7.267% |
| 7/6 ARM | 7.625% | 7.878% |
| First-Time Home Buyer | 7.250% | 7.378% |
| 30-Year FHA | 6.625% | 7.342% |
| 30-Year Jumbo | 7.490% | 7.604% |
| 30-Year VA | 6.750% | 7.081% |
Rates include 1% origination fee. Please note that rates and fees are subject to change without notice. Your individual rate may be higher depending upon your creditworthiness. Terms and conditions may apply.
Home Equity Loans
Home Equity Lines of Credit
| Loan Type | Rate | APR |
|---|---|---|
| HELOC 20-Year Term (10-Year Draw) | 7.00% | 7.00% |
Second Mortgage
| Loan Type | Rate | APR |
|---|---|---|
| 5-Year 2nd Mortgage | 7.000% | 7.000% |
| 10-Year 2nd Mortgage | 7.500% | 7.500% |
| 6-Year Balloon (15-year amortization) | 7.500% | 7.500% |
| 6-Year Balloon (30-year amortization) | 7.750% | 7.750% |
Your individual rate may be higher depending upon your creditworthiness. 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. Terms and conditions apply.
Additional Mortgage Offerings
Second Mortgage
| Loan Type | Rate | APR |
|---|---|---|
| 5-Year 2nd Mortgage | 7.000% | 7.000% |
| 10-Year 2nd Mortgage | 7.500% | 7.500% |
| 6-Year Balloon (15-year amortization) | 7.500% | 7.500% |
| 6-Year Balloon (30-year amortization) | 7.750% | 7.750% |
Home Building & Lot Loans
| Product Name | Rate | APR |
|---|---|---|
| Lot Loan — 3-year Balloon (30 year amortization) | 7.75% | 7.75% |
| Lot Loan — 5-year Balloon (30 year amortization) | 8.00% | 8.00% |
| One-Time Close Construction Loan | 6.50% | 6.94% |
| Two-Time Close Construction Loan | 6.25% | 8.77% |
Your individual rate may be higher depending upon your creditworthiness. Terms and conditions may apply.
Business Rates
Business Savings Accounts
Business Savings
| Account Type | Rate | APY |
|---|---|---|
| Membership Savings | 0.05% | 0.05% |
| Special Savings | 0.05% | 0.05% |
Business Money Market
| Balance Range | Rate | APY |
|---|---|---|
| $0–$2,499 | 0.25% | 0.25% |
| $2,500–$19,999 | 1.09% | 1.10% |
| $20,000–$99,999 | 1.98% | 2.00% |
| $100,000–$249,999 | 2.57% | 2.60% |
| $250,000–$499,999 | 3.30% | 3.35% |
| $500,000–$999,999 | 3.40% | 3.45% |
| $1,000,000+ | 3.78% | 3.85% |
Business Checking
Business Checking
| Account Type | Rate | APY |
|---|---|---|
| Business Advantage Checking | 0.00% | 0.00% |
Business Credit Cards
Business Visa Credit Cards
| Card Type | APR |
|---|---|
| Business Visa Platinum | 16.85% |
| Business Visa Platinum Rewards | 17.90% |
| Business Visa Signature | 18.00% |
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. The Business Signature card is a fixed rate credit card. The Business Platinum card and Business Platinum Rewards card are variable rate credit cards.
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APR = Annual Percentage Rate. APY = Annual Percentage Yield.
The APY applies to balances beginning at $0.01. APRs listed above represent our best available rates. Membership and eligibility required. Offers subject to change. OAC.