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DCU Rates Overview

DCU Rates Overview

DCU Rates Overview

View rates and disclosures for our loan, deposit and business products.

Vehicle Loans  

Auto Loans and Auto Refinancing Rates

Rates listed for new or used cars, trucks, and vans. Qualified borrowers can finance up to 120% of the book value or 120% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 3.24% $29.19
Up to 48 Months 3.24% $22.24
Up to 65 Months 3.24% $16.79
Up to 72 Months 4.24% $15.75
Up to 84 Months 5.74% $14.48
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 3.24% $29.19
Up to 48 Months 3.24% $22.24
Up to 65 Months 3.24% $16.79
Up to 72 Months 4.24% $15.75
Up to 84 Months 5.74% $14.48

Rates are effective {currentdate}.

¹APR= Annual Percentage Rate. Rates are determined by your personal credit history, loan term, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles, including mobility vehicles, will differ. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account.

²EMP = Estimated Monthly Payment

Classic and Antique Auto Loan Rates

Certain Classic and Antique vehicles may require an appraisal to determine their value and may be subject to a maximum loan of 90% of the appraised value.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 5.74% $30.30
Up to 48 Months 5.74% $23.37
Up to 65 Months 5.74% $17.94
Up to 72 Months 6.74% $16.92
Up to 84 Months 8.14% $15.66
Up to 120 Months 8.14% $12.21
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 5.74% $30.30
Up to 48 Months 5.74% $23.37
Up to 65 Months 5.74% $17.94
Up to 72 Months 6.74% $16.92
Up to 84 Months 8.14% $15.66
Up to 120 Months 8.14% $12.21

Rates are effective {currentdate}.

¹APR= Annual Percentage Rate. Rates are determined by your personal credit history, loan term, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account.

²EMP = Estimated Monthly Payment

Street Motorcycle Loan Rates

Qualified borrowers can finance up to 120% of NADA retail book value or 120% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 4.25% $29.64
Up to 48 Months 4.50% $22.80
Up to 60 Months 5.00% $18.87
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 4.25% $29.64
Up to 48 Months 4.50% $22.80
Up to 60 Months 5.00% $18.87

Rates are effective {currentdate}.

¹APR= Annual Percentage Rate. Rates are determined by your personal credit history, loan term, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account.

²EMP = Estimated Monthly Payment

Off-Road Motorcycle Loan Rates

Qualified borrowers can finance up to 120% of NADA retail book value or 120% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 8.60% $31.61
Up to 48 Months 8.85% $24.81
Up to 60 Months 9.10% $20.81
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 8.60% $31.61
Up to 48 Months 8.85% $24.81
Up to 60 Months 9.10% $20.81

Rates are effective {currentdate}.

¹APR= Annual Percentage Rate. Rates are determined by your personal credit history, loan term, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account.

²EMP = Estimated Monthly Payment

Large Recreational Vehicle Loan Rates

Qualified borrowers can finance up to 90% of NADA retail book value or 90% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 7.74% $20.15 - (Minimum Loan Amount $5,000)
Up to 72 Months 8.24% $17.65 - (Minimum Loan Amount $15,000)
Up to 84 Months 8.74% $15.96 - (Minimum Loan Amount $15,000)
Up to 120 Months 9.24% $12.80 - (Minimum Loan Amount $25,000)
Up to 180 Months 9.24% $10.29 - (Minimum Loan Amount $50,000)
Up to 240 Months 9.24% $9.15 - (Minimum Loan Amount $75,000)
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 7.74% $20.15 - (Minimum Loan Amount $5,000)
Up to 72 Months 8.24% $17.65 - (Minimum Loan Amount $15,000)
Up to 84 Months 8.74% $15.96 - (Minimum Loan Amount $15,000)
Up to 120 Months 9.24% $12.80 - (Minimum Loan Amount $25,000)
Up to 180 Months 9.24% $10.29 - (Minimum Loan Amount $50,000)
Up to 240 Months 9.24% $9.15 - (Minimum Loan Amount $75,000)

Rates are effective {currentdate}.

¹APR= Annual Percentage Rate. Rates are determined by your personal credit history, loan term, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account.

²EMP = Estimated Monthly Payment

Small Recreational Vehicle Loan Rates

Qualified borrowers can finance up to 100% of NADA retail book value or 100% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 8.60% $31.61
Up to 48 Months 8.85% $24.81
Up to 60 Months 9.10% $20.81
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 8.60% $31.61
Up to 48 Months 8.85% $24.81
Up to 60 Months 9.10% $20.81

Rates are effective {currentdate}.

¹APR= Annual Percentage Rate. Rates are determined by your personal credit history, loan term, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account.

²EMP = Estimated Monthly Payment

Boat Loan Rates

For new or used Boats, purchase or refinance. Maximum used boat age to be financed is 10 years. Qualified borrowers can finance up to 90% of NADA retail book value or 90% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 7.74% $20.15 - (Minimum Loan Amount $5,000)
Up to 72 Months 8.24% $17.65 - (Minimum Loan Amount $15,000)
Up to 84 Months 8.74% $15.96 - (Minimum Loan Amount $15,000)
Up to 120 Months 9.24% $12.80 - (Minimum Loan Amount $25,000)
Up to 180 Months 9.24% $10.29 - (Minimum Loan Amount $50,000)
Up to 240 Months 9.24% $9.15 - (Minimum Loan Amount $75,000)
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 7.74% $20.15 - (Minimum Loan Amount $5,000)
Up to 72 Months 8.24% $17.65 - (Minimum Loan Amount $15,000)
Up to 84 Months 8.74% $15.96 - (Minimum Loan Amount $15,000)
Up to 120 Months 9.24% $12.80 - (Minimum Loan Amount $25,000)
Up to 180 Months 9.24% $10.29 - (Minimum Loan Amount $50,000)
Up to 240 Months 9.24% $9.15 - (Minimum Loan Amount $75,000)

Rates are effective {currentdate}.

¹APR= Annual Percentage Rate. Rates are determined by your personal credit history, loan term, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account.

²EMP = Estimated Monthly Payment

Mobility Vehicle Loan Rates

New or used vehicles and vehicle modifications to aid people with disabilities. Qualified borrowers can finance up to 100% of the purchase price or the combination of the NADA retail value of the chassis plus the retail value of the conversion, whichever is less³.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 5.74% $30.30
Up to 48 Months 5.74% $23.37
Up to 65 Months 5.74% $17.94
Up to 72 Months 6.74% $16.92
Up to 84 Months 8.14% $15.66
Up to 120 Months 8.14% $12.21
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 5.74% $30.30
Up to 48 Months 5.74% $23.37
Up to 65 Months 5.74% $17.94
Up to 72 Months 6.74% $16.92
Up to 84 Months 8.14% $15.66
Up to 120 Months 8.14% $12.21

Rates are effective {currentdate}.

¹APR= Annual Percentage Rate. Rates are determined by your personal credit history, loan term, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account.

²EMP = Estimated Monthly Payment

³Minimum loan amount is $5,000

Visa® Credit Cards

Visa Credit Card Rates

Details DCU Visa Platinum DCU Visa Platinum Rewards DCU Visa Platinum Secured
Lowest APR¹
for purchases
10.25% 13.00% 13.25%
Lowest APR¹
for balance transfers
10.25% 13.00% 13.25%
Lowest APR¹
for cash advances
10.25% 13.00% 13.25%
Annual Fee NONE NONE NONE
Balance Transfer Fee
for each transaction
NONE NONE NONE
Cash Advance Fee
for each transaction
NONE NONE NONE

Rates are effective August 20, 2019. 

¹Your APR = Annual Percentage Rate will be based on your personal credit history. Rates are variable, tied to the prime rate and can change monthly.

Please refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.  

Student Loans 

Student Loans - Undergraduate and Graduate Rates - Fixed:

No application fees and no prepayment penalties. The Annual Percentage Rate for our undergraduate and graduate private education line of credit will be fixed for the life of the loan.

APR¹ APR¹
between 7.25% and 12.50%
APR¹ APR¹
between 7.25% and 12.50%

Rates are effective {currentdate}.

¹APR = Annual Percentage Rate. Rate is fixed and your rate and/or credit approval depends upon the credit qualifications of the student borrower or coborrower (if applicable). Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy coborrower which may result in a better chance of approval and/or lower interest rate.

Student Loans - Undergraduate and Graduate Rates - Variable:

No application fees and no prepayment penalties. The Annual Percentage Rate for our undergraduate and graduate private education line of credit is variable¹ and is based on the Prime index² plus a margin.³

Rate Rate APR⁴ APR⁴
As low as Prime + 1.00% between 6.25% and 11.50%
Rate Rate APR⁴ APR⁴
As low as Prime + 1.00% between 6.25% and 11.50%

Rates are effective {currentdate}.

¹The Annual Percentage Rate is subject to increase after consummation. Your interest rate is variable and may be adjusted quarterly on each January 1, April 1, July 1 and October 1 (Adjustment Date) based on the Prime index as published in the Wall Street Journal on the first business day of the month immediately prior to the Adjustment Date (e.g., December, March, June and September). Any increase in the index may increase the APR and the amount of your monthly payment. All loans subject to approval and restrictions may apply. We reserve the right to change rates for new applications at any time and without notice.

²The "Index" for the quarter beginning October 1st, 2019, is 5.25%, which was the Prime index published in the Wall Street Journal on the first business day of September 2019. The interest rate will not exceed 18.00% regardless of the Index.

³Margin will be disclosed at account opening.

⁴APR= Annual Percentage Rate.  Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate. The APR will not exceed 18.00%, or fall below the Floor rate regardless of the Index. Any increase in the Index may increase the APR and the amount of your monthly payment.

Student Loan Refinancing

Variable Rate Student Refinance Loan Rates

The APR is variable¹ and is based on the Prime index² plus a margin³. The rate you receive depends on your credit qualifications and the repayment term you select. The current offered variable rates are⁴:

Repayment Term Repayment Term APR¹ APR¹
5-Year between 4.00% and 8.50%
10-Year between 4.50% and 9.00%
15-Year between 5.00% and 9.50%
Repayment Term Repayment Term APR¹ APR¹
5-Year between 4.00% and 8.50%
10-Year between 4.50% and 9.00%
15-Year between 5.00% and 9.50%

Rates are effective {currentdate}.

Important: Please remember that federal loans do offer certain benefits and protections that do not transfer to a private loan. By refinancing your federal student loans to a private loan, you will lose any federal benefits that may apply to you. Please review this important disclosure for more information.

¹APR = Annual Percentage Rate is variable, subject to increase after consummation, and may be adjusted quarterly based on the Index. Any increase in the Index may increase the APR and may increase the amount of your monthly payment. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.

²The "Index" for the quarter beginning October 1st, 2019, is 5.25%, which was the Prime index published in the Wall Street Journal on the first business day of September 2019. The interest rate will not exceed 18.00% regardless of the Index.

³Margin will be disclosed upon approval. This Margin is added to the Index to determine the calculated interest rate.

⁴Current offered rates are calculated using the Index, Margin, and Floor values in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval will depend upon the student borrower's and co-borrower's (if applicable) credit qualification. Applicants may apply with a creditworthy U.S. co-borrower which may result in a better chance of approval and/or lower interest rate.

All loans are subject to approval and restrictions may apply.

Repayment examples: Examples provided use highest current offered rate in effect for each repayment term and assume a constant interest rate on a $50,000 loan amount. 

  • 5-year loan term: with an 8.50% APR, the monthly payment will be $1,025.83. Finance charges will be $11,549.54.
  • 10-year loan term: with a 9.00% APR, the monthly payment will be $633.38. Finance charges will be $26,005.38.
  • 15-year loan term: with a 9.50% APR, the monthly payment will be $522.11. Finance charges will be $43,980.73.

Fixed Rate Student Refinance Loan Rates

The APR is fixed¹ for the life of the loan. The rate you receive depends on your credit qualifications and the repayment term you select. The current offered fixed rates are:

Repayment Term Repayment Term APR¹ APR¹
5-Year between 5.00% and 9.50%
10-Year between 5.50% and 10.00%
15-Year between 6.00% and 10.50%
Repayment Term Repayment Term APR¹ APR¹
5-Year between 5.00% and 9.50%
10-Year between 5.50% and 10.00%
15-Year between 6.00% and 10.50%

Rates are effective {currentdate}.

Important: Please remember that federal loans do offer certain benefits and protections that do not transfer to a private loan. By refinancing your federal student loans to a private loan, you will lose any federal benefits that may apply to you. Please review this important disclosure for more information.

¹APR = Annual Percentage Rate is is fixed and is based on your credit qualification and the repayment term you select. Your actual rate within the ranges stated will be disclosed upon approval. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.

All loans are subject to approval and restrictions may apply.

Repayment examples: Examples provided use highest current offered rate in effect for each repayment term and assume a constant interest rate on a $50,000 loan amount. 

  • 5-year loan term: with a 9.50% APR, the monthly payment will be $1,050.09. Finance charges will be $13,005.64.
  • 10-year loan term: with a 10.00% APR, the monthly payment will be $660.75. Finance charges will be $29,290.76.
  • 15-year loan term: with a 10.50% APR, the monthly payment will be $552.70. Finance charges will be $49,485.77. 

Mortgage Loans

Fixed-Rate Mortgage Rates

The following Fixed Mortgage rates are for loans up to $484,350 (also known as “conforming mortgages") with no points

Terms Terms Points Points Interest Rate Interest Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
30-Year Fixed ³ 0 points 4.250% 4.35% $4.92
30-Year Fixed ⁴ 0 points 3.750% 3.85% $4.63
20-Year Fixed ⁴ 0 points 3.625% 3.76% $5.86
15-Year Fixed ⁴ 0 points 3.125% 3.29% $6.97
10-Year Fixed ⁴ 0 points 2.875% 3.12% $9.60
Terms Terms Points Points Interest Rate Interest Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
30-Year Fixed ³ 0 points 4.250% 4.35% $4.92
30-Year Fixed ⁴ 0 points 3.750% 3.85% $4.63
20-Year Fixed ⁴ 0 points 3.625% 3.76% $5.86
15-Year Fixed ⁴ 0 points 3.125% 3.29% $6.97
10-Year Fixed ⁴ 0 points 2.875% 3.12% $9.60

Rates are effective {currentdate}.

¹APR= Annual Percentage Rates subject to change at any time. Rates locked in today have an expiration date 60 days from today. Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines.

²Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher.

31 unit owner occupied, purchases only, 97% of home value.

4Owner occupied, up to 95% of home value

Jumbo Fixed-Rate Mortgage Rates

The following Fixed Mortgage rates are for loans over $484,350 (also known as “jumbo mortgage”) with no points

Terms Terms Points Points Interest Rate Interest Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
Jumbo 30-Year Fixed ³ 0 points 3.750% 3.78% $4.63
Jumbo 15-Year Fixed ³ 0 points 3.125% 3.18% $6.97
Jumbo 10-Year Fixed ³ 0 points 2.875% 2.91% $9.60
Terms Terms Points Points Interest Rate Interest Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
Jumbo 30-Year Fixed ³ 0 points 3.750% 3.78% $4.63
Jumbo 15-Year Fixed ³ 0 points 3.125% 3.18% $6.97
Jumbo 10-Year Fixed ³ 0 points 2.875% 2.91% $9.60

Rates are effective {currentdate}

¹APR= Annual Percentage Rates are subject to change at any time. Rates locked in today have an expiration date 60 days from today. Further restrictions apply for loan amounts over $484,350 such as credit score, Loan to Value, etc. Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines.

² Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher.

³ Owner occupied, up to 90% of home value

Adjustable Rate Mortgage Rates

The following Adjustable Rate Mortgage rates are for loans up to $484,350 (also known as “conforming mortgages").

Terms Terms Months Months Points Points Interest Rate Interest Rate APR¹ APR¹ Initial/Annual/Life³ Initial/Annual/Life³ Margin/Index Margin/Index EMP² per $1,000 EMP² per $1,000
5/1 ARM First 60 / Next 300 0 3.000% / 4.375% 3.97% / 4.34% 2% / 2% / 5% 2.750% / 1.590% $4.22 / $4.88
5/5 ARM First 60 / Next 300 0 3.250% / 4.375% 4.06% / 4.36% 2% / 2% / 5% 2.750% / 1.610% $4.35 / $4.90
7/1 ARM First 84 / Next 276 0 3.250% / 4.375% 3.94% / 4.34% 5% / 2% / 5% 2.750% / 1.590% $4.35 / $4.86
10/1 ARM First 120 / Next 240 0 3.250% / 4.375% 3.78% / 4.34% 5% / 2% / 5% 2.750% / 1.590% $4.35 / $4.80
Terms Terms Months Months Points Points Interest Rate Interest Rate APR¹ APR¹ Initial/Annual/Life³ Initial/Annual/Life³ Margin/Index Margin/Index EMP² per $1,000 EMP² per $1,000
5/1 ARM First 60 / Next 300 0 3.000% / 4.375% 3.97% / 4.34% 2% / 2% / 5% 2.750% / 1.590% $4.22 / $4.88
5/5 ARM First 60 / Next 300 0 3.250% / 4.375% 4.06% / 4.36% 2% / 2% / 5% 2.750% / 1.610% $4.35 / $4.90
7/1 ARM First 84 / Next 276 0 3.250% / 4.375% 3.94% / 4.34% 5% / 2% / 5% 2.750% / 1.590% $4.35 / $4.86
10/1 ARM First 120 / Next 240 0 3.250% / 4.375% 3.78% / 4.34% 5% / 2% / 5% 2.750% / 1.590% $4.35 / $4.80

Rates are effective {currentdate}.

¹APR = Annual Percentage Rates are variable and may increase after consummationAll rates shown are based upon a 30-year term, owner occupied, and up to 60% of home value. Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines. Rates locked in today for 60 days have an expiration date of October 6, 2019. 

²Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time.

³Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan. Since the index in the future is unknown, the first adjustment payments displayed are based on the current index plus the margin (fully indexed rate) as of the effective date above.

Jumbo Adjustable Rate Mortgage Rates

The following Adjustable Rate Mortgage rates are for loans over $484,350 (also known as “jumbo mortgage”).

Terms Terms Months Months Points Points Interest Rate Interest Rate APR¹ APR¹ Initial/Annual/Life³ Initial/Annual/Life³ Margin/Index Margin/Index EMP² per $1,000 EMP² per $1,000
Jumbo 5/1 ARM First 60 / Next 300 0 3.000% / 4.500% 3.97% / 4.47% 2% / 2% / 5% 2.875% / 1.590% $4.22 / $4.94
Jumbo 5/5 ARM First 60 / Next 300 0 3.250% / 4.500% 4.06% / 4.49% 2% / 2% / 5% 2.875% / 1.610% $4.35 / $4.96
Jumbo 7/1 ARM First 84 / Next 276 0 3.250% / 4.500% 3.92% / 4.47% 5% / 2% / 5% 2.875% / 1.590% $4.35 / $4.92
Jumbo 10/1 ARM First 120 / Next 240 0 3.250% / 4.500% 3.74% / 4.47% 5% / 2% / 5% 2.875% / 1.590% $4.35 / $4.85
Terms Terms Months Months Points Points Interest Rate Interest Rate APR¹ APR¹ Initial/Annual/Life³ Initial/Annual/Life³ Margin/Index Margin/Index EMP² per $1,000 EMP² per $1,000
Jumbo 5/1 ARM First 60 / Next 300 0 3.000% / 4.500% 3.97% / 4.47% 2% / 2% / 5% 2.875% / 1.590% $4.22 / $4.94
Jumbo 5/5 ARM First 60 / Next 300 0 3.250% / 4.500% 4.06% / 4.49% 2% / 2% / 5% 2.875% / 1.610% $4.35 / $4.96
Jumbo 7/1 ARM First 84 / Next 276 0 3.250% / 4.500% 3.92% / 4.47% 5% / 2% / 5% 2.875% / 1.590% $4.35 / $4.92
Jumbo 10/1 ARM First 120 / Next 240 0 3.250% / 4.500% 3.74% / 4.47% 5% / 2% / 5% 2.875% / 1.590% $4.35 / $4.85

Rates are effective {currentdate}

¹APR = Annual Percentage Rates are variable and may increase after consummationAll rates shown are based upon a 30-year term, owner occupied, and up to 60% of home value. Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines. Further restrictions apply for loan amounts over $484,350 such as credit score, Loan to Value, etc.

Rates locked in today for 60 days have an expiration date of October 6, 2019.

²Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time.

³Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan. Since the index in the future is unknown, the first adjustment payments displayed are based on the current index plus the margin (fully indexed rate) as of the effective date above.

Mortgage Fees

Item Item Fee Fee
Mortgage Application Fee $300
Rate Lock Fee $0.00*
Item Item Fee Fee
Mortgage Application Fee $300
Rate Lock Fee $0.00*

*There is no fee to lock your rate.

Other Approx. Mortgage Costs*

Item Item Approx. Cost Approx. Cost
Closing Costs $1,900-$2,100 (not including points) per $100,000**
Item Item Approx. Cost Approx. Cost
Closing Costs $1,900-$2,100 (not including points) per $100,000**

*Private Mortgage Insurance is also required if the loan to value is greater than 80%. The "Loan to Value" is the total loan amount divided by the value of your property. The value of the property is the lesser of either the purchase price or appraised value. Secondary Market Delivery Fees may be applicable in addition to the Approximate Closing Costs.

**Depends upon the state you are purchasing your home in. Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Fixed Rate Equity Loan Rates up to 80%

Combined loan-to-value (LTV) of 80% of your home’s market value. No points or closing costs.³

Term Term Rate Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
Up to 5 years 3.99% 3.99% $18.41
Up to 10 years 4.99% 4.99% $10.60
Up to 15 years 5.24% 5.24% $8.03
Up to 20 years 5.74% 5.74% $7.02
Term Term Rate Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
Up to 5 years 3.99% 3.99% $18.41
Up to 10 years 4.99% 4.99% $10.60
Up to 15 years 5.24% 5.24% $8.03
Up to 20 years 5.74% 5.74% $7.02

Rates are effective {currentdate}

¹APR = Annual Percentage Rates are subject to change any time. Rates are based on personal credit history, Loan-to-value and term, so your rate may differ. Manufactured and mobile homes have a maximum LTV of 65% Investment Property Home Equity fixed rate loans are limited to one loan per member, a $50,000 maximum loan amount, LTV restrictions and an 1% increase in rate. Applications are subject to approval, other conditions may apply. Property and flood insurance may be required.

²EMP = Estimated Monthly Payment

³ Excludes any state stamp or transfer taxes for states in FL, KS, MD, MN, NY, OK, TN, and VA.

Fixed Rate Home Equity Rates up to 90%

Combined loan-to-value (LTV) of 90% of your home’s market value (for primary residences in MA & NH only). No points or closing costs.³

Term Term Rate Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
Up to 5 years 4.74% 4.74% $18.75
Up to 10 years 5.74% 5.74% $10.97
Up to 15 years 5.99% 5.99% $8.43
Up to 20 years 6.49% 6.49% $7.45
Term Term Rate Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
Up to 5 years 4.74% 4.74% $18.75
Up to 10 years 5.74% 5.74% $10.97
Up to 15 years 5.99% 5.99% $8.43
Up to 20 years 6.49% 6.49% $7.45

Rates are effective {currentdate}

¹APR = Annual Percentage Rates are subject to change any time. Rates are based on personal credit history, Loan-to-value and term, so your rate may differ. Manufactured and mobile homes have a maximum LTV of 65% Investment Property Home Equity fixed rate loans are limited to one loan per member, a $50,000 maximum loan amount, LTV restrictions and an 1% increase in rate. Applications are subject to approval, other conditions may apply. Property and flood insurance may be required.

²EMP = Estimated Monthly Payment

³ Excludes any state stamp or transfer taxes for states in FL, KS, MD, MN, NY, OK, TN, and VA.

Home Equity LinePLUS Rates

Combined loan-to-value (LTV) of 80% of your home’s market value.

Rate Index Rate Index APR¹ APR¹
Prime-1/4%(.25%) 4.75%
Rate Index Rate Index APR¹ APR¹
Prime-1/4%(.25%) 4.75%

Rates are effective {currentdate}

¹APR = Annual Percentage Rate. Rates are variable, tied to the Prime Rate, and can change monthly with a maximum rate of 18%. Applications are subject to approval, other conditions may apply. Property and flood insurance may be required. Home Equity LinePlus is not available in the following states; CT, NC, TX, WI and WV. Please refer to DCU's Early Federal Disclosure for more information on Home Equity rates, including historical rate examples. You may obtain this information by contacting DCU. 

Personal Loans

Traditional Signature Loans

Use for large purchases or to consolidate debt.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 7.50% $20.04
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 7.50% $20.04

Rates are effective {currentdate}.

¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account.

²EMP = Estimated Monthly Payment

Credit Builder Loans

Build or rebuild your credit rating as you build savings. Borrow from $500 to $3,000 for 12 to 24 months.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 24 Months 5.00% $43.87 - (Maximum Loan Amount $3,000)
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 24 Months 5.00% $43.87 - (Maximum Loan Amount $3,000)

Rates are effective {currentdate}.

¹APR = Annual Percentage Rate. Rates listed are for this product only and are subject to change at any time.

²EMP = Estimated Monthly Payment

Savings Secured Loans

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 120 Months 3.50% $9.89
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 120 Months 3.50% $9.89

Rates are effective {currentdate}.

¹APR = Annual Percentage Rate. Rates listed are for this product only and are subject to change at any time.

²EMP = Estimated Monthly Payment

Certificate-Secured Loans

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Maximum 60 Months Term³ Certificate Rate + 3.00% N/A
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Maximum 60 Months Term³ Certificate Rate + 3.00% N/A

Rates are effective {currentdate}.

¹APR = Annual Percentage Rate. Rates listed are for this product only and are subject to change at any time.

²EMP = Estimated Monthly Payment

Quick Loan Rates

Get the cash you need fast.

Term Term APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 6 months 21.00% $177.02
Term Term APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 6 months 21.00% $177.02

Rates are effective {currentdate}.

¹APR = Annual Percentage Rate. Rates listed are for this product only and are subject to change at any time.

²EMP = Estimated Monthly Payment

DCU Members in good standing must have established their membership 90 days prior to applying for a Quick Loan in the amount of $200 to $500, or 180 days or more to be eligible for a Quick Loan up to $1,000 with a maximum repayment period of six months (if eligible).

Cannot have more than one Quick Loan open at the same time and can have no more than 3 Quick Loans in a 180-day period.

Energy Efficient Loan – Fixed Rate

For adding insulation, upgrading your home's heating system, adding a pellet or wood-burning stove, adding storm windows and doors.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 8.75% $20.64
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 8.75% $20.64

Rates are effective {currentdate}.

¹APR = Annual Percentage Rates listed are for this product only and are subject to change at any time. Rates are determined by your personal credit history. Must qualify for an unsecured loan.

²EMP = Estimated Monthly Payment

Fuel Assistance Loan – Fixed Rate

For oil, gas, propane, electric heat, pellets, or firewood used for home heating. Maximum loan up to $3,000.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 12 Months 8.25% $87.10
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 12 Months 8.25% $87.10

Rates are effective {currentdate}.

¹APR = Annual Percentage Rates listed are for this product only and are subject to change at any time. Member must qualify for unsecured loan. Only one Fuel Assistance Loan allowed at one time.

²EMP = Estimated Monthly Payment

Access Loan Rates

Qualified members may obtain Access Loans, for 100% of the purchase amount, from $1,500 to $25,000 and with terms up to 72 months.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 8.60% $31.61
Up to 48 Months 8.85% $24.81
Up to 60 Months 9.10% $20.81
Up to 72 Months 10.35% $18.70
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 8.60% $31.61
Up to 48 Months 8.85% $24.81
Up to 60 Months 9.10% $20.81
Up to 72 Months 10.35% $18.70

Rates are effective {currentdate}.

¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, account relationship, and payment method. Rates listed are for this product only and are subject to change at any time. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account.

²EMP = Estimated Monthly Payment

Checking Accounts

HSA¹ Checking Account Rates

Offers a tax advantage to help offset healthcare expenses

Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY² APY²
$100,000 or more 0.45% 0.45%
$50,000 to $99,999 0.40% 0.40%
$25,000 to $49,999 0.35% 0.35%
$10,000 to $24,999 0.30% 0.30%
$1,000 to $9,999 0.25% 0.25%
less than $1,000 0.20% 0.20%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY² APY²
$100,000 or more 0.45% 0.45%
$50,000 to $99,999 0.40% 0.40%
$25,000 to $49,999 0.35% 0.35%
$10,000 to $24,999 0.30% 0.30%
$1,000 to $9,999 0.25% 0.25%
less than $1,000 0.20% 0.20%

Rates are effective {currentdate}.

¹HSA = Health Savings Account transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.

²APY = Annual Percentage Yield. Rates are variable, may change after the account is opened and subject to change weekly.  Fees or other conditions may reduce earnings. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

Savings Accounts

Primary Savings

Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
Up to and including the first $1,000.00 6.00% 6.17%
On remaining balance 0.25% 0.25%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
Up to and including the first $1,000.00 6.00% 6.17%
On remaining balance 0.25% 0.25%

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened and are subject to change weekly. Fees may reduce earning on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

Money Market Savings Account

$1,000 minimum balance to earn dividends. Tiers based on daily balances.

Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
$100,000.00 or more 1.75% 1.77%
$50,000.00 to $99,999.99 1.65% 1.66%
$25,000.00 to $49,999.99 1.65% 1.66%
$10,000.00 to $24,999.99 1.55% 1.56%
$1,000.00 to $9,999.99 1.55% 1.56%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
$100,000.00 or more 1.75% 1.77%
$50,000.00 to $99,999.99 1.65% 1.66%
$25,000.00 to $49,999.99 1.65% 1.66%
$10,000.00 to $24,999.99 1.55% 1.56%
$1,000.00 to $9,999.99 1.55% 1.56%

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and may change after the account is opened and are subject to change weekly. Fees may reduce earning on the account. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

Ltd Savings Accounts

Minimum balance of $25,000 to earn dividends. No minimum to open. Unlimited deposits. One no charge withdrawal per month².

Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
On $25,000+ daily balanc 1.90% 1.92%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
On $25,000+ daily balanc 1.90% 1.92%

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and may change after the account is opened and are subject to change weekly. Fees may reduce earning on the account. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

²Any subsequent withdrawals each month after the first there is a $25 fee per transaction. A withdrawal is any amount of money removed from the account in the form of cash or a transfer of funds, done via in person, ATM or electronically. Federal Regulation limit no more than 6 transfers or withdrawals per month for the purpose of transferring funds to another of the depositor’s accounts at the same institution or making third-party payments by means of preauthorized, automatic, or telephonic transfers or transfers or withdrawals made by check, debit card, or other similar order made by the depositor and payable to third parties. 

Holiday Club Savings Account

Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
No Minimum Balance² 0.25% 0.25%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
No Minimum Balance² 0.25% 0.25%

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and may change after the account is opened and are subject to change weekly. Fees may reduce earning on the account. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

²A $20 minimum monthly automatic transfer into your Holiday Club savings account is required. All funds on deposit earn dividends. Funds are automatically transferred to your primary savings account after dividends are posted in September.

Member Described Savings Account

Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
On $100+ daily balance 0.25% 0.25%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
On $100+ daily balance 0.25% 0.25%

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and may change after the account is opened and are subject to change weekly. Fees may reduce earning on the account. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

Certificate Accounts

Regular Certificate Rates and QuickStart Certificate Rates

Term Term Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
60 months 2.25% 2.28% $500.00 for Regular Certificates | $100 for QuickStart Certificates
48 to 59 months 2.15% 2.17% $500.00 for Regular Certificates | $100 for QuickStart Certificates
36 to 47 months 2.05% 2.07% $500.00 for Regular Certificates | $100 for QuickStart Certificates
24 to 35 months 1.95% 1.97% $500.00 for Regular Certificates | $100 for QuickStart Certificates
12 to 23 months 1.85% 1.87% $500.00 for Regular Certificates | $100 for QuickStart Certificates
6 to 11 months 1.45% 1.46% $500.00 for Regular Certificates | $100 for QuickStart Certificates
3 to 5 months 1.20% 1.21% $500.00 for Regular Certificates | $100 for QuickStart Certificates
Term Term Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
60 months 2.25% 2.28% $500.00 for Regular Certificates | $100 for QuickStart Certificates
48 to 59 months 2.15% 2.17% $500.00 for Regular Certificates | $100 for QuickStart Certificates
36 to 47 months 2.05% 2.07% $500.00 for Regular Certificates | $100 for QuickStart Certificates
24 to 35 months 1.95% 1.97% $500.00 for Regular Certificates | $100 for QuickStart Certificates
12 to 23 months 1.85% 1.87% $500.00 for Regular Certificates | $100 for QuickStart Certificates
6 to 11 months 1.45% 1.46% $500.00 for Regular Certificates | $100 for QuickStart Certificates
3 to 5 months 1.20% 1.21% $500.00 for Regular Certificates | $100 for QuickStart Certificates

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and are subject to change weekly. The rate will remain in effect for the term of the certificate once issued. QuickStart Certificated are for members under age 23. A Penalty may be imposed for early withdrawal. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

Add-on Feature – You can make unlimited add-ons to your certificate principal on all Regular Certificates with terms of 12 months or less, anytime throughout the term. Minimum add-on $100. An add-on before maturity does not affect your dividend rate.

Jumbo Certificate Rates

Term Term Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
60 months 2.35% 2.38% $25,000
48 to 59 months 2.25% 2.28% $25,000
36 to 47 months 2.15% 2.17% $25,000
24 to 35 months 2.05% 2.07% $25,000
12 to 23 months 1.95% 1.97% $25,000
6 to 11 months 1.55% 1.56% $25,000
3 to 5 months 1.30% 1.31% $25,000
Term Term Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
60 months 2.35% 2.38% $25,000
48 to 59 months 2.25% 2.28% $25,000
36 to 47 months 2.15% 2.17% $25,000
24 to 35 months 2.05% 2.07% $25,000
12 to 23 months 1.95% 1.97% $25,000
6 to 11 months 1.55% 1.56% $25,000
3 to 5 months 1.30% 1.31% $25,000

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and are subject to change weekly. The rate will remain in effect for the term of the certificate once issued. A Penalty may be imposed for early withdrawal. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

Add-on Feature – You can make unlimited add-ons to your certificate principal on all certificates with terms of 12 months or less, anytime throughout the term. Minimum add-on $100. An add-on before maturity does not affect your dividend rate.

Jump-Up Regular Certificate Rates

Jump the rate up to one time per term – you decide when.

Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
27 months 2.00% 2.02% $500.00
15 months 1.90% 1.92% $500.00
Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
27 months 2.00% 2.02% $500.00
15 months 1.90% 1.92% $500.00

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and are subject to change weekly. The rate will remain in effect for the term of the certificate once issued, unless you decide to jump up the rate once during the term of the certificate. A Penalty may be imposed for early withdrawal. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

Jump-Up Jumbo Certificate Rates

Jump the rate up to one time per term – you decide when.

Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
27 months 2.10% 2.12% $25,000
15 months 2.00% 2.02% $25,000
Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
27 months 2.10% 2.12% $25,000
15 months 2.00% 2.02% $25,000

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and are subject to change weekly. The rate will remain in effect for the term of the certificate once issued, unless you decide to jump up the rate once during the term of the certificate. A Penalty may be imposed for early withdrawal. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

Early Certificate Closing Penalties

Length Length Penalty Penalty
3-11 months 60 days' dividend
12-35 months 90 days' dividend
36-60 months 180 days' dividend
Length Length Penalty Penalty
3-11 months 60 days' dividend
12-35 months 90 days' dividend
36-60 months 180 days' dividend

The same penalties apply on amounts prematurely withdrawn from a Certificate. Jump-Up Certificate early withdrawal penalties will be calculated at the rate being earned at the time of withdrawal.

Retirement Accounts

Certificate IRA Rates

May be used for Traditional, Roth, SEP, and SIMPLE accounts.

Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
60 months 2.35% 2.38% $500.00
48 to 59 months 2.25% 2.28% $500.00
36 to 47 months 2.15% 2.17% $500.00
24 to 35 months 2.05% 2.07% $500.00
12 to 23 months 1.95% 1.97% $500.00
6 to 11 months 1.55% 1.56% $500.00
3 to 5 months 1.30% 1.31% $500.00
Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
60 months 2.35% 2.38% $500.00
48 to 59 months 2.25% 2.28% $500.00
36 to 47 months 2.15% 2.17% $500.00
24 to 35 months 2.05% 2.07% $500.00
12 to 23 months 1.95% 1.97% $500.00
6 to 11 months 1.55% 1.56% $500.00
3 to 5 months 1.30% 1.31% $500.00

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and are subject to change weekly. The rate will remain in effect for the term of the certificate once issued. A Penalty may be imposed for early withdrawal. Early withdrawal may also result in tax implications. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.

Jump-Up Certificate IRA Rates

Jump the rate up to one time per term – you decide when.

Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
27 months 2.10% 2.12% $500.00
15 months 2.00% 2.02% $500.00
Term Terms Dividend Rate Dividend Rate APY¹ APY¹ Minimum balance to open and earn Minimum balance to open and earn
27 months 2.10% 2.12% $500.00
15 months 2.00% 2.02% $500.00

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and are subject to change weekly. The rate will remain in effect for the term of the certificate once issued, unless you decide to jump up the rate once during the term of the certificate. A Penalty may be imposed for early withdrawal. Early withdrawal may also result in tax implications. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.

Early Certificate IRA Closing Penalties

Length Length Penalty Penalty
3-11 months 60 days' dividend
12-35 months 90 days' dividend
36-60 months 180 days' dividend
Length Length Penalty Penalty
3-11 months 60 days' dividend
12-35 months 90 days' dividend
36-60 months 180 days' dividend

The same penalties apply on amounts prematurely withdrawn from a Certificate. IRS penalties may apply on IRA Certificate withdrawals. Jump-Up Certificate early withdrawal penalties will be calculated at the rate being earned at the time of withdrawal.

IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.

Money Market IRA Rates

May be used for Traditional, Roth, SEP, and SIMPLE accounts.

Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
$100,000.00 or more 1.75% 1.77%
$50,000.00 to $99,999.99 1.65% 1.66%
$25,000.00 to $49,999.9 1.65% 1.66%
$10,000.00 to $24,999.99 1.55% 1.56%
$1,000.00 to $9,999.99 1.55% 1.56%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
$100,000.00 or more 1.75% 1.77%
$50,000.00 to $99,999.99 1.65% 1.66%
$25,000.00 to $49,999.9 1.65% 1.66%
$10,000.00 to $24,999.99 1.55% 1.56%
$1,000.00 to $9,999.99 1.55% 1.56%

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and may change after the account is opened and are subject to change weekly. Fees may reduce earning on the account. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.

Savings IRA Rates

May be used for Traditional, Roth, SEP, and SIMPLE accounts.

Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
No Minimum Balance 0.40% 0.40%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
No Minimum Balance 0.40% 0.40%

Rates are effective {currentdate}.

¹APY=Annual Percentage Yield. Rates are variable and may change after the account is opened and are subject to change weekly. Fees may reduce earning on the account. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.

Business Services

Premier Business Checking Rates

Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
$400,000 or more 0.20% 0.20%
$150,000 to $399,999 0.15% 0.15%
$75,000 to $149,999 0.10% 0.10%
$20,000 to $74,999 0.05% 0.05%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
$400,000 or more 0.20% 0.20%
$150,000 to $399,999 0.15% 0.15%
$75,000 to $149,999 0.10% 0.10%
$20,000 to $74,999 0.05% 0.05%

Rates are effective {currentdate}. 

¹APY = Annual Percentage Yield. Rates are variable, may change after the account is opened and subject to change weekly. Fees or other conditions may reduce earnings. Other conditions may apply. Please refer to DCU's Truth-in-Savings Disclosures and Account AgreementsSchedule of Fees and Service Charges and Electronic Services Disclosure and Agreements for important information and disclosures.

Premier Business Checking Fees

Item Item Fee Fee
If daily balance of at least $20,000 maintained during the month. Free
Fee charged If daily balance falls below $20,000 during the month. $25.00
Item Item Fee Fee
If daily balance of at least $20,000 maintained during the month. Free
Fee charged If daily balance falls below $20,000 during the month. $25.00

For a complete listing of all of DCU’s fees and service charges, please see the Schedule of Fees and Service Charges.

Business Accounts Deposit Fees

Item Item Fee Fee
20 Items or Less FREE
Over 20 Items $ .10/item
Item Item Fee Fee
20 Items or Less FREE
Over 20 Items $ .10/item

For a complete listing of all of DCU’s fees and service charges, please see the Schedule of Fees and Service Charges.

Visa Credit Card Rates

Details DCU Visa Platinum DCU Visa Platinum Rewards DCU Visa Platinum Secured
Lowest APR¹
for purchases
10.50% 13.25% 13.50%
Lowest APR¹
for balance transfers
10.50% 13.25% 13.50%
Lowest APR¹
for case advances
10.50% 13.25% 13.50%
Annual Fee NONE NONE NONE
Balance Transfer Fee
for each transaction
NONE NONE NONE
Cash Advance Fee
for each transaction
NONE NONE NONE

Rates are effective August 20, 2019. 

¹Your APR = Annual Percentage Rate will be based on your personal credit history. Rates are variable, tied to the prime rate and can change monthly.

Please refer to DCU's VISA Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.

Visa Business Credit Card Rates

Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances: 
DCU Visa Business Platinum Credit Cards (Business Basic or Business Plus)
As low as 10.00% 
Prime¹ Plus 5.00% (minimum APR 10.00%)
(See Variable Rate Information below)
Variable-Rate Information Your APR may change monthly. The rate for purchases, cash advances, and balance transfers is determined by adding a "margin" ranging from 5.00% to 13.00% (based upon your credit history) to the Prime Rate.¹
Cash Advance Transaction fee None. There is no grace period on cash advances.
Grace Period for Repayment of NEW Purchases Not less than 25 days on new purchase amounts if the total New Balance is paid in full each month by the Payment Due Date on your billing statement and there is no cash advance activity.
Minimum Payment "Required Payment Due" shown on my statement.
Annual Fees NONE
Payment Processing Payments received by 4 p.m. Eastern time will be credited to your account the next business day. Payments received after 4 p.m. Eastern time will be credited to your account the second business day.
Payments Mail - Address noted on the statement
In Person - Any DCU branch
Pre-Authorized Recurring Transfers (ACH Origination) - Request Form (.pdf format)
Online scheduled payments through MyCardInfo (Business Plus Only)
Minimum Finance Charge NONE
Foreign Currency Conversion Fee NONE
Overdraft Protection DCU Visa Business Platinum Credit Card (Business Basic only) can be used for overdraft protection.
Various Fees

Balance Transfer fee: NONE
Late Payment fee: Up to $45.00 per occurrence
Overlimit fee: Up to $45.00 per occurrence
Return check fee: Up to $25.00 per occurrence

Replacement fee: Up to $25 Rush Fee per card: Up to $45 Same day Rush Fee per card: Up to $75 Statement copy request: Up to $2

¹The Prime Rate used to determine your Annual Percentage Rate (APR) is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceding the start of each billing cycle.

 At any time your Account becomes sixty (60) days past due in any 24 month period, FINANCE CHARGES on the entire balance will be calculated at the Penalty Pricing Rate of 18% APR. Please contact us at any branch, by email, or by calling 800.328.8797 if you wish to ascertain what changes, if any, have been made to DCU Visa Business Platinum Credit Cards.