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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 125% of the book value or 125% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 1.99% $28.64
Up to 48 Months 1.99% $21.69
Up to 65 Months 1.99% $16.24
Up to 72 Months 2.99% $15.19
Up to 84 Months 4.49% $13.90
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 1.99% $28.64
Up to 48 Months 1.99% $21.69
Up to 65 Months 1.99% $16.24
Up to 72 Months 2.99% $15.19
Up to 84 Months 4.49% $13.90

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. For refinance of a DCU loan an administrative fee may apply.

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 4.99% $29.97
Up to 48 Months 4.99% $23.02
Up to 65 Months 4.99% $17.59
Up to 72 Months 5.99% $16.57
Up to 84 Months 7.39% $15.28
Up to 120 Months 7.39% $11.81
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 4.99% $29.97
Up to 48 Months 4.99% $23.02
Up to 65 Months 4.99% $17.59
Up to 72 Months 5.99% $16.57
Up to 84 Months 7.39% $15.28
Up to 120 Months 7.39% $11.81

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

Street Motorcycle Loan Rates

Qualified borrowers can finance up to 125% of NADA retail book value or 125% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 3.50% $29.30
Up to 48 Months 3.75% $22.47
Up to 60 Months 4.25% $18.53
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 3.50% $29.30
Up to 48 Months 3.75% $22.47
Up to 60 Months 4.25% $18.53

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 125% of NADA retail book value or 125% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 7.85% $31.27
Up to 48 Months 8.10% $24.46
Up to 60 Months 8.35% $20.44
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 7.85% $31.27
Up to 48 Months 8.10% $24.46
Up to 60 Months 8.35% $20.44

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 125% of NADA retail book value or 125% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 6.99% $19.80 - (Minimum Loan Amount $5,000)
Up to 72 Months 7.49% $17.29 - (Minimum Loan Amount $15,000)
Up to 84 Months 7.99% $15.58 - (Minimum Loan Amount $15,000)
Up to 120 Months 8.49% $12.39 - (Minimum Loan Amount $25,000)
Up to 180 Months 8.49% $9.84 - (Minimum Loan Amount $50,000)
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 6.99% $19.80 - (Minimum Loan Amount $5,000)
Up to 72 Months 7.49% $17.29 - (Minimum Loan Amount $15,000)
Up to 84 Months 7.99% $15.58 - (Minimum Loan Amount $15,000)
Up to 120 Months 8.49% $12.39 - (Minimum Loan Amount $25,000)
Up to 180 Months 8.49% $9.84 - (Minimum Loan Amount $50,000)

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 125% of NADA retail book value or 125% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 7.85% $31.27
Up to 48 Months 8.10% $24.46
Up to 60 Months 8.35% $20.44
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 7.85% $31.27
Up to 48 Months 8.10% $24.46
Up to 60 Months 8.35% $20.44

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. Qualified borrowers can finance up to 125% of NADA retail book value or 125% of the purchase price, whichever is less.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 6.99% $19.80 - (Minimum Loan Amount $5,000)
Up to 72 Months 7.49% $17.29 - (Minimum Loan Amount $15,000)
Up to 84 Months 7.99% $15.58 - (Minimum Loan Amount $15,000)
Up to 120 Months 8.49% $12.39 - (Minimum Loan Amount $25,000)
Up to 180 Months 8.49% $9.84 - (Minimum Loan Amount $50,000)
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 6.99% $19.80 - (Minimum Loan Amount $5,000)
Up to 72 Months 7.49% $17.29 - (Minimum Loan Amount $15,000)
Up to 84 Months 7.99% $15.58 - (Minimum Loan Amount $15,000)
Up to 120 Months 8.49% $12.39 - (Minimum Loan Amount $25,000)
Up to 180 Months 8.49% $9.84 - (Minimum Loan Amount $50,000)

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.

Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 4.99% $29.97
Up to 48 Months 4.99% $23.02
Up to 65 Months 4.99% $17.59
Up to 72 Months 5.99% $16.57
Up to 84 Months 7.39% $15.28
Up to 120 Months 7.39% $11.81
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 4.99% $29.97
Up to 48 Months 4.99% $23.02
Up to 65 Months 4.99% $17.59
Up to 72 Months 5.99% $16.57
Up to 84 Months 7.39% $15.28
Up to 120 Months 7.39% $11.81

Rates are effective {currentdate}.

¹APR= Annual Percentage Rates and maximum LTV allowed is determined by your personal credit history and loan term. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits level on your DCU checking account. 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. Other conditions may apply.

²EMP = Estimated Monthly Payment

Visa® Credit Cards

Visa Credit Card Rates

Details Details DCU Visa Platinum DCU Visa Platinum DCU Visa Platinum Rewards DCU Visa Platinum Rewards DCU Visa Platinum Secured DCU Visa Platinum Secured
Lowest APR¹ for purchases 8.50% 11.25% 11.50%
Lowest APR¹ for balance transfers 8.50% 11.25% 11.50%
Lowest APR¹ for cash advances 8.50% 11.25% 11.50%
Annual Fee NONE NONE NONE
Balance Transfer Fee for each transaction NONE NONE NONE
Cash Advance Fee for each transaction NONE NONE NONE
Foreign Currency Transaction Fee for each transaction NONE NONE NONE
Details Details DCU Visa Platinum DCU Visa Platinum DCU Visa Platinum Rewards DCU Visa Platinum Rewards DCU Visa Platinum Secured DCU Visa Platinum Secured
Lowest APR¹ for purchases 8.50% 11.25% 11.50%
Lowest APR¹ for balance transfers 8.50% 11.25% 11.50%
Lowest APR¹ for cash advances 8.50% 11.25% 11.50%
Annual Fee NONE NONE NONE
Balance Transfer Fee for each transaction NONE NONE NONE
Cash Advance Fee for each transaction NONE NONE NONE
Foreign Currency Transaction Fee for each transaction NONE NONE NONE

Rates are effective {currentdate}.

¹APR = Annual Percentage Rates are determined by your creditworthiness at time of opening. Rates are variable and will vary with the market based on the Prime Rate and can change monthly. Maximum rate is 18%.

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 6.00% and 10.25%
APR¹ APR¹
between 6.00% and 10.25%

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 (APR)¹ for our undergraduate and graduate private education line of credit is variable and is based on the Prime index² plus a margin.³

Terms Terms APR¹ APR¹
As low as Prime + .75% between 5.00% and 9.25%
Terms Terms APR¹ APR¹
As low as Prime + .75% between 5.00% and 9.25%

Rates are effective {currentdate}.

¹The Annual Percentage Rate is subject to increase after consummation. The interest rate will be adjusted quarterly, based on changes to the index. The APR will not exceed 18.00% or fall below the Floor rate regardless of the Index or any additional rate discount. Any increase in the Index may increase the APR and the amount of your monthly payment.    

²The "Index" for the quarter beginning October 1, 2020 is 3.25%, which was the Prime index published in the Wall Street Journal on the first business day of September 2020.

³Current 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). Margin will be disclosed at account opening. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.

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 3.00% and 7.50%
10-Year between 3.50% and 8.00%
15-Year between 4.00% and 8.50%
Repayment Term Repayment Term APR¹ APR¹
5-Year between 3.00% and 7.50%
10-Year between 3.50% and 8.00%
15-Year between 4.00% and 8.50%

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 1, 2020 is 3.25%, which was the Prime index published in the Wall Street Journal on the first business day of September 2020. 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 a 7.50% APR, the monthly payment will be $1,001.90. Finance charges will be $10,113.85.    
  • 10-year loan term: with an 8.00% APR, the monthly payment will be $606.64. Finance charges will be $22,796.56.
  • 15-year loan term: with an 8.50% APR, the monthly payment will be $492.37. Finance charges will be $38,626.56. 

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 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 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 an 8.50% APR, the monthly payment will be $1,025.83. Finance charges will be $11,549.59.
  • 10-year loan term: with a 9.00% APR, the monthly payment will be $633.38. Finance charges will be $26,005.46.
  • 15-year loan term: with a 9.50% APR, the monthly payment will be $522.11. Finance charges will be $43,980.22.    

Mortgage Loans

Purchase Fixed-Rate Mortgage Rates

The advertised rates are for loans up to $510,400 and reflect the lowest available rate.

Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
30 Years Fixed 2.500% 2.59% $3.95
20 Years Fixed 2.375% 2.50% $5.24
15 Years Fixed 2.125% 2.29% $6.49
10 Years Fixed 2.000% 2.24% $9.20
Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
30 Years Fixed 2.500% 2.59% $3.95
20 Years Fixed 2.375% 2.50% $5.24
15 Years Fixed 2.125% 2.29% $6.49
10 Years Fixed 2.000% 2.24% $9.20

¹EMP= Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.

²APR= Annual Percentage Rates are subject to change at any time.  Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other conditions may apply.

Rates are effective {currentdate}.

Purchase Jumbo Fixed-Rate Mortgage Rates

The advertised rates are for loans over $510,400 and reflect the lowest available rate.

Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
Jumbo 30 Years Fixed 3.000% 3.03% $4.22
Jumbo 15 Years Fixed 2.625% 2.68% $6.73
Jumbo 10 Years Fixed 2.500% 2.53% $9.43
Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
Jumbo 30 Years Fixed 3.000% 3.03% $4.22
Jumbo 15 Years Fixed 2.625% 2.68% $6.73
Jumbo 10 Years Fixed 2.500% 2.53% $9.43

¹EMP= Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.

²APR= Annual Percentage Rates are subject to change at any time.  Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other conditions may apply.

Rates are effective {currentdate}.

 

Purchase Adjustable Rate Mortgage (ARM) Rates

The advertised rates are for loans up to $510,400 and reflect the lowest available rate.

ARM Program¹ ARM Program¹ Initial Interest Rate Initial Interest Rate APR² APR² Initial Interest Rate Period Initial Interest Rate Period
5/1 ARM 2.500% 2.84% 5-Years
5/5 ARM 2.750% 3.09% 5-Years
7/1 ARM 2.625% 2.85% 7-Years
10/1 ARM 2.750% 2.89% 10-Years
ARM Program¹ ARM Program¹ Initial Interest Rate Initial Interest Rate APR² APR² Initial Interest Rate Period Initial Interest Rate Period
5/1 ARM 2.500% 2.84% 5-Years
5/5 ARM 2.750% 3.09% 5-Years
7/1 ARM 2.625% 2.85% 7-Years
10/1 ARM 2.750% 2.89% 10-Years

Rates are effective {currentdate}.

¹ARM loans are variable rate loans, interest rates and payments may increase after consummation.

²APR = Annual Percentage Rates are subject to change at any time. Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other restrictions may apply.

Purchase Jumbo Adjustable Rate Mortgage (ARM) Rates

The advertised rates are for loans over $510,400 and reflect the lowest available rate.

ARM Program¹ ARM Program¹ Initial Interest Rate Initial Interest Rate APR² APR² Initial Interest Rate Period Initial Interest Rate Period
Jumbo 5/1 2.500% 2.84% 5-Years
Jumbo 5/5 2.750% 3.09% 5-Years
Jumbo 7/1 2.625% 2.84% 7-Years
Jumbo 10/1 2.750% 2.86% 10-Years
ARM Program¹ ARM Program¹ Initial Interest Rate Initial Interest Rate APR² APR² Initial Interest Rate Period Initial Interest Rate Period
Jumbo 5/1 2.500% 2.84% 5-Years
Jumbo 5/5 2.750% 3.09% 5-Years
Jumbo 7/1 2.625% 2.84% 7-Years
Jumbo 10/1 2.750% 2.86% 10-Years

Rates are effective {currentdate}

¹ARM loans are variable rate loans, interest rates and payments may increase after consummation.

²APR = Annual Percentage Rates are subject to change at any time. Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other restrictions may apply.

Refinance Fixed-Rate Mortgage Rates

The advertised rates are for loans up to $510,400 and reflect the lowest available rate.

Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
30-Year Fixed 3.000% 3.09% $4.22
20-Year Fixed 2.875% 3.00% $5.48
15-Year Fixed 2.625% 2.79% $6.73
10-Year Fixed 2.500% 2.74% $9.43
Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
30-Year Fixed 3.000% 3.09% $4.22
20-Year Fixed 2.875% 3.00% $5.48
15-Year Fixed 2.625% 2.79% $6.73
10-Year Fixed 2.500% 2.74% $9.43

¹EMP= Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.

²APR= Annual Percentage Rates are subject to change at any time.  Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other conditions may apply.

Rates are effective {currentdate}.

Refinance Jumbo Fixed-Rate Mortgage Rates

The advertised rates are for mortgage loans over $510,400 and reflect the lowest available rate.

Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
Jumbo 30-Year Fixed 3.250% 3.32% $4.35
Jumbo 15-Year Fixed 2.875% 3.01% $6.85
Jumbo 10-Year Fixed 2.750% 2.89% $9.54
Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
Jumbo 30-Year Fixed 3.250% 3.32% $4.35
Jumbo 15-Year Fixed 2.875% 3.01% $6.85
Jumbo 10-Year Fixed 2.750% 2.89% $9.54

¹EMP= Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.

²APR= Annual Percentage Rates are subject to change at any time.  Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other conditions may apply.

Rates are effective {currentdate}.

 

Refinance Adjustable Rate Mortgage (ARM) Rates

The advertised rates are for loans up to $510,400 and reflect the lowest available rate.

ARM Program¹ ARM Program¹ Initial Interest Rate Initial Interest Rate APR² APR² Initial Interest Rate Period Initial Interest Rate Period
5/1 ARM 2.750% 2.92% 5-Years
5/5 ARM 3.000% 3.17% 5-Years
7/1 ARM 2.875% 2.97% 7-Years
10/1 ARM 3.000% 3.04% 10-Years
ARM Program¹ ARM Program¹ Initial Interest Rate Initial Interest Rate APR² APR² Initial Interest Rate Period Initial Interest Rate Period
5/1 ARM 2.750% 2.92% 5-Years
5/5 ARM 3.000% 3.17% 5-Years
7/1 ARM 2.875% 2.97% 7-Years
10/1 ARM 3.000% 3.04% 10-Years

Rates are effective {currentdate}.

¹ARM loans are variable rate loans, interest rates and payments may increase after consummation.

²APR = Annual Percentage Rates are subject to change at any time. Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other restrictions may apply.

Refinance Jumbo Adjustable Rate Mortgage (ARM) Rates

The advertised rates are for loans over $510,400 and reflect the lowest available rate.

ARM Program¹ ARM Program¹ Initial Interest Rate Initial Interest Rate APR² APR² Initial Interest Rate Period Initial Interest Rate Period
Jumbo 5/1 ARM 2.750% 2.97% 5-Years
Jumbo 5/5 ARM 3.000% 3.21% 5-Years
Jumbo 7/1 ARM 2.875% 2.99% 7-Years
Jumbo 10/1 ARM 3.000% 3.05% 10-Years
ARM Program¹ ARM Program¹ Initial Interest Rate Initial Interest Rate APR² APR² Initial Interest Rate Period Initial Interest Rate Period
Jumbo 5/1 ARM 2.750% 2.97% 5-Years
Jumbo 5/5 ARM 3.000% 3.21% 5-Years
Jumbo 7/1 ARM 2.875% 2.99% 7-Years
Jumbo 10/1 ARM 3.000% 3.05% 10-Years

Rates are effective {currentdate}

¹ARM loans are variable rate loans, interest rates and payments may increase after consummation.

²APR = Annual Percentage Rates are subject to change at any time. Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other restrictions may apply.

Fixed-Rate Home Equity Loan Rates

The advertised rates are for residences with a combined loan-to-value (CLTV) of up to 80% of your home’s market value and reflect the lowest rates available.

Term Term Rate Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
Up to 5 Years 3.74% 3.74% $18.30
Up to 10 Years 4.74% 4.74% $10.48
Up to 15 Years 4.99% 4.99% $7.90
Up to 20 Years 5.49% 5.49% $6.87
Term Term Rate Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
Up to 5 Years 3.74% 3.74% $18.30
Up to 10 Years 4.74% 4.74% $10.48
Up to 15 Years 4.99% 4.99% $7.90
Up to 20 Years 5.49% 5.49% $6.87

¹EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.

²APR = Annual Percentage Rates are subject to change any time. Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. Property and flood insurance (where applicable) may be required for the life of the loan. All loans are subject to approval, other conditions may apply. 

Rates are effective {currentdate}

Fixed-Rate Home Equity Loan Rates

The advertised rates are for loans with a combined loan-to-value (CLTV) of up to 90% of your home’s market value (for primary residences in MA & NH only) and reflect the lowest rates available.

Term Term Rate Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
Up to 5 Years 4.49% 4.49% $18.64
Up to 10 Years 5.49% 5.49% $10.85
Up to 15 Years 5.74% 5.74% $8.30
Up to 20 Years 6.24% 6.24% $7.30
Term Term Rate Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
Up to 5 Years 4.49% 4.49% $18.64
Up to 10 Years 5.49% 5.49% $10.85
Up to 15 Years 5.74% 5.74% $8.30
Up to 20 Years 6.24% 6.24% $7.30

¹EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.

²APR = Annual Percentage Rates are subject to change any time. Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. Property and flood insurance (where applicable) may be required for the life of the loan. All loans are subject to approval, other conditions may apply. 

Rates are effective {currentdate}

Home Equity LinePLUS (HELOC) Rate

The advertised rate is shown for loans on a primary residence with a combined loan-to-value (CLTV) of 80% of your home’s market value.

Rate Index Rate Index APR¹ APR¹
Prime + 1.24% 4.49%
Rate Index Rate Index APR¹ APR¹
Prime + 1.24% 4.49%

Rates are effective {currentdate}.

¹APR = Annual Percentage Rate is variable, tied to the Prime Rate, and can change monthly with a minimum rate of 4.49% and a maximum rate of 18%. The Prime Rate is currently 3.25% as of March 16, 2020. To open a line of credit there may be certain fees paid to third parties at closing, unless otherwise noted, these fees generally total between $0 and $3,500.00. If you ask, we will give you an itemization of the these you may have to pay to third parties. Property and flood insurance (where applicable) may be required for the life of the loan. All loans are subject to approval, other conditions may apply.

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 5.99% $19.33
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 60 Months 5.99% $19.33

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

*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Personal Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.

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

*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Credit Builder Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.

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

*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Savings Secured Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.

Certificate-Secured Loans

Terms Terms APR APR
Up to 60 Months Term¹ Certificate Dividend Rate + 3.00%
Terms Terms APR APR
Up to 60 Months Term¹ Certificate Dividend Rate + 3.00%

Rates are effective {currentdate}.

¹The Annual Percentage Rate (APR) will be the dividend rate of the certificate securing the loan + 3%. For example, a certificate-secured loan secured by a 60-month certificate with a dividend rate of 0.90% will have an APR of 3.90%. The estimated monthly payment on a 48-month certificate-secured loan with an APR of 3.90% would be $22.53 per $1,000 borrowed. Loan must be paid in full prior to the certificate maturity date. Certificate rate used in this example is for illustrative purposes only and is subject to change at any time. See dcu.org for current certificate rates.

Quick Loan Rates

Get the cash you need fast.

Term Term APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 12 Months 10.00% $87.92
Term Term APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 12 Months 10.00% $87.92

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 Eligibility Requirements: In order to be eligible for a Quick Loan a DCU Membership must be established for at least 90 days for a loan amount of $200 to $1000 and 180 days for loan amounts of up to $2,000. Additionally, a member 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. Other conditions may apply. 

*For Quick Loans opened after 3/25/2020, and until further notice, DCU is implementing no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due. There are no prepayment penalties and you can begin to make payments to the loan anytime once the loan has been funded.

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

*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Fuel Efficient Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.

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

*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Fuel Efficient Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.

 

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 7.85% $31.27
Up to 48 Months 8.10% $24.46
Up to 60 Months 8.35% $20.44
Up to 72 Months 9.60% $18.32
Terms Terms APR¹ APR¹ EMP² Per $1,000 EMP² Per $1,000
Up to 36 Months 7.85% $31.27
Up to 48 Months 8.10% $24.46
Up to 60 Months 8.35% $20.44
Up to 72 Months 9.60% $18.32

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

*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Access Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.

Checking Accounts

document icon

Deposit Rate Sheet

Printable rate sheet for savings, checking, and certificate accounts.
Printable rate sheet for savings, checking, and certificate accounts.

Free Checking with Earn More

Spend and earn in one account with Earn More activated!

Minimum Daily Balance to earn Minimum Daily Balance to earn Interest Rate² Interest Rate² APY¹ APY¹
Up to and including $100,000 0.50% 0.50%
$100,000.01 and above 0.00% 0.50% - 0.05%
Minimum Daily Balance to earn Minimum Daily Balance to earn Interest Rate² Interest Rate² APY¹ APY¹
Up to and including $100,000 0.50% 0.50%
$100,000.01 and above 0.00% 0.50% - 0.05%

¹APY = Annual Percentage Yield. Rates are variable and may change from time to time after the Earn More feature is added to an account. APY range assumes a maximum account balance of $1,000,000.00 and is for illustration purposes only. Funds earn interest from the first of the month in which feature is activated.  Feature becomes activated the first of the month following the month enrollment took place.  The Earn More feature can only be added to one checking account per membership, excluding HSA Checking accounts. Fees or other conditions may reduce earnings. Rate is accurate as of April 1, 2020.

Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures regarding your Free Checking account  or to DCU's Earn More feature Terms and Conditions for additional terms and conditions on the Earn More feature. 

²Since Earn More is a sweep feature, eligible balances are automatically swept out to interest-bearing FDIC insured deposit accounts held at participating institutions throughout the country.  You will still have normal access to your checking account funds.

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 0.35% 0.35%
$50,000 to $99,999 0.30% 0.30%
$25,000 to $49,999 0.30% 0.30%
$10,000 to $24,999 0.25% 0.25%
$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 0.35% 0.35%
$50,000 to $99,999 0.30% 0.30%
$25,000 to $49,999 0.30% 0.30%
$10,000 to $24,999 0.25% 0.25%
$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 Account Agreement for Consumers, and Schedule of Fees and Service Charges 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% 6.17% - 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% 6.17% - 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 earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges , 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 0.30% 0.30%
$50,000.00 to $99,999.99 0.25% 0.25%
$25,000.00 to $49,999.99 0.25% 0.25%
$10,000.00 to $24,999.99 0.20% 0.20%
$1,000.00 to $9,999.99 0.20% 0.20%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
$100,000.00 or more 0.30% 0.30%
$50,000.00 to $99,999.99 0.25% 0.25%
$25,000.00 to $49,999.99 0.25% 0.25%
$10,000.00 to $24,999.99 0.20% 0.20%
$1,000.00 to $9,999.99 0.20% 0.20%

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 earnings on the account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges , 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 balance 0.30% 0.30%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
On $25,000+ daily balance 0.30% 0.30%

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 earnings on the account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, 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. 

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 earnings on the account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, 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 earnings on the account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.

Certificate Accounts

Regular Certificate Rates and QuickStart Certificate Rates

Minimum balance to open and earn: $500.00 for Regular Certificates | $100 for QuickStart Certificates

Term Term Dividend Rate Dividend Rate APY¹ APY¹
60 Months 0.40% 0.40%
48 to 59 Months 0.40% 0.40%
36 to 47 Months 0.40% 0.40%
24 to 35 Months 0.40% 0.40%
12 to 23 Months 0.30% 0.30%
6 to 11 Months 0.20% 0.20%
3 to 5 Months 0.10% 0.10%
Term Term Dividend Rate Dividend Rate APY¹ APY¹
60 Months 0.40% 0.40%
48 to 59 Months 0.40% 0.40%
36 to 47 Months 0.40% 0.40%
24 to 35 Months 0.40% 0.40%
12 to 23 Months 0.30% 0.30%
6 to 11 Months 0.20% 0.20%
3 to 5 Months 0.10% 0.10%

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 Account Agreement for Consumers, and Schedule of Fees and Service Charges 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

Minimum balance to open and earn: $25,000

Term Term Dividend Rate Dividend Rate APY¹ APY¹
60 Months 0.40% 0.40%
48 to 59 Months 0.40% 0.40%
36 to 47 Months 0.40% 0.40%
24 to 35 Months 0.40% 0.40%
12 to 23 Months 0.30% 0.30%
6 to 11 Months 0.20% 0.20%
3 to 5 Months 0.10% 0.10%
Term Term Dividend Rate Dividend Rate APY¹ APY¹
60 Months 0.40% 0.40%
48 to 59 Months 0.40% 0.40%
36 to 47 Months 0.40% 0.40%
24 to 35 Months 0.40% 0.40%
12 to 23 Months 0.30% 0.30%
6 to 11 Months 0.20% 0.20%
3 to 5 Months 0.10% 0.10%

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 Account Agreement for Consumers, and Schedule of Fees and Service Charges 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

Minimum balance to open and earn: $500.00

Term Term Dividend Rate Dividend Rate APY¹ APY¹
27 months 0.40% 0.40%
15 months 0.30% 0.30%
Term Term Dividend Rate Dividend Rate APY¹ APY¹
27 months 0.40% 0.40%
15 months 0.30% 0.30%

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 Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.

Jump-Up Jumbo Certificate Rates

Minimum balance to open and earn: $25,000

Term Term Dividend Rate Dividend Rate APY¹ APY¹
27 months 0.40% 0.40%
15 months 0.30% 0.30%
Term Term Dividend Rate Dividend Rate APY¹ APY¹
27 months 0.40% 0.40%
15 months 0.30% 0.30%

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 Account Agreement for Consumers, and Schedule of Fees and Service Charges 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. Minimum balance to open and earn: $500.00

Term Term Dividend Rate Dividend Rate APY¹ APY¹
60 months 0.40% 0.40%
48 to 59 months 0.40% 0.40%
36 to 47 months 0.40% 0.40%
24 to 35 months 0.40% 0.40%
12 to 23 months 0.30% 0.30%
6 to 11 months 0.20% 0.20%
3 to 5 months 0.10% 0.10%
Term Term Dividend Rate Dividend Rate APY¹ APY¹
60 months 0.40% 0.40%
48 to 59 months 0.40% 0.40%
36 to 47 months 0.40% 0.40%
24 to 35 months 0.40% 0.40%
12 to 23 months 0.30% 0.30%
6 to 11 months 0.20% 0.20%
3 to 5 months 0.10% 0.10%

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 Account Agreement for Consumers, and Schedule of Fees and Service Charges 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. Minimum balance to open and earn: $500,.00

Term Term Dividend Rate Dividend Rate APY¹ APY¹
27 months 0.40% 0.40%
15 months 0.30% 0.30%
Term Term Dividend Rate Dividend Rate APY¹ APY¹
27 months 0.40% 0.40%
15 months 0.30% 0.30%

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 Account Agreement for Consumers, and Schedule of Fees and Service Charges 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 0.30% 0.30%
$50,000.00 to $99,999.99 0.25% 0.25%
$25,000.00 to $49,999.9 0.25% 0.25%
$10,000.00 to $24,999.99 0.20% 0.20%
$1,000.00 to $9,999.99 0.20% 0.20%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
$100,000.00 or more 0.30% 0.30%
$50,000.00 to $99,999.99 0.25% 0.25%
$25,000.00 to $49,999.9 0.25% 0.25%
$10,000.00 to $24,999.99 0.20% 0.20%
$1,000.00 to $9,999.99 0.20% 0.20%

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 Account Agreement for Consumers, and Schedule of Fees and Service Charges 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 0.30% 0.30%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
No Minimum Balance 0.30% 0.30%

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 Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.

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

Business Services

Free Business Checking with Business Earn More

An account that works for you.

Minimum Daily Balance to earn Minimum Daily Balance to earn Interest Rate¹ Interest Rate¹ APY² APY²
$0.01 0.50% 0.50%
Minimum Daily Balance to earn Minimum Daily Balance to earn Interest Rate¹ Interest Rate¹ APY² APY²
$0.01 0.50% 0.50%

¹ Since Business Earn More is a sweep feature, eligible balances are automatically swept out to interest-bearing FDIC insured deposit accounts held at participating institutions throughout the country.  Balances up to the amount of the Maximum Insured Deposit Amount (currently $2,500,000.00) will be eligible for FDIC insurance coverage. You will still have access to your Free Business Checking account funds.

²APY = Annual Percentage Yield. Rates are variable and may change from time to time. Interest begins to accrue no later than the “day of deposit” (as this term is defined in DCU’s Business Account Agreement).

The Business Earn More feature is only available for one Free Business Checking account per membership. Fees or other conditions may reduce earnings. Rate is accurate as of November 23, 2020.

Please refer to DCU's Business Account Agreement, and Schedule of Fees and Service Charges, for important information and disclosures regarding your Free Business Checking account and to DCU's Business Earn More Feature Terms and Conditions for additional terms and conditions on the Business Earn More feature.

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 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 9.99% 
Prime¹ Plus 5.00% (minimum APR 9.99%)
(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.