Rates
Savings accounts
| Account | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| Primary savings (With balance of $50 & Over). | 0.10% | 0.10% |
| Holiday Club | 0.10% | 0.10% |
| Vacation Club | 0.10% | 0.10% |
| Secondary Savings | 0.10% | 0.10% |
| PREFERRED Saver (Available only with PREFERRED Rewards Checking): | ||
| Balance up to $10,000 | 0.15% | 0.15% |
| Balances over $10,000 | 0.10% | 0.10% – 0.15% |
| High Yield (formerly Money Market): | ||
| $2,500 – $9,999.99 | 0.150% | 0.150% |
| $10,000 – $24,999.99 | 0.200% | 0.200% |
| $25,000.00 + | 0.200% | 0.200% |
Checking accounts
| Account | Dividend Rate | Annual Percentage Yield (APY) | ||
|---|---|---|---|---|
| PREFERRED Rewards Checking (Qualifications must be met): | ||||
| Up to $10,000 (If Qualifications are Met)1 | 2.47% | 2.50% | ||
| Over $10,000 (If Qualifications are Met)1 | 0.25% | 0.25% – 2.50% | ||
| If Qualifications are NOT Met | 0.05% | 0.05% | ||
| No Frills Checking – Any balance | 0.00% | 0.00% | ||
Individual Retirement Accounts (IRA) ($25 & Over)
| Account | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| IRA Shares | 0.15% | 0.15% |
Share & IRA Certificates ($500 Minimum)2
| Term | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 6 Months | 2.520% | 2.550% |
| 12 Months (1 Year) | 2.960% | 3.000% |
| 24 Months (2 Years) | 2.720% | 2.750% |
| 36 Months (3 Years) | 2.720% | 2.750% |
| 60 Months (5 Years) | 3.100% | 3.150% |
Signature Loans
| Loan Term | Rate as Low as | Payment Example ($20,000 Loan Amount) |
|---|---|---|
| Up to 60 Months | 10.49% | 60 Payments of $429.78 |
| 61 to 84 Months | 11.49% | 84 Payments of $347.62 |
Auto & Motorcycle
| Loan Term | Rate as Low as | Payment Example |
|---|---|---|
| Up to 60 Months | 5.74% | 60 Payments of $384.24 ($20,000 Loan Amount) |
| 61 to 72 Months | 6.24% | 72 Payments of $333.73 ($20,000 Loan Amount) |
| 73 to 84 Months | 6.74% | 84 Payments of $448.98 ($30,000 Loan Amount) 4 |
Boat Loans
| Loan Term | Rate as Low as | Payment Example ($20,000 Loan Amount) |
|---|---|---|
| Up to 60 Months | 6.60% | 60 Payments of $392.26 |
| 61 to 72 Months | 7.60% | 72 Payments of $346.77 |
Recreational Vehicle Loans (RVs)
| Loan Term | Rate As Low As | Payment Example |
|---|---|---|
| Up to 60 Months | 6.84% | 60 Payments of $394.52 ($20,000 Loan Amount) |
| 61 to 72 Months | 7.59% | 72 Payments of $346.67 ($20,000 Loan Amount) |
| 73 to 84 Months | 8.34% | 84 Payments of $315.12 ($20,000 Loan Amount) |
| 85 to 120 Months5 | 8.47% | 120 Payments of $928.69 ($75,000 Loan Amount) |
Secured Loans
| Loan Term | Rate as Low as |
|---|---|
| Share Secured | Share Rate + 4% |
| Share Certificate | Certificate Rate + 3% |
Credit Cards
| Loan Term | Rate as Low as | After Introductory Period Rate as Low as |
|---|---|---|
| DCU MasterCard | 9.50% | 9.50% |
| DCU MasterCard Secured | 7.50% | 7.50% |
Holiday Loans
| Max Loan Amount | Rate | Term | Payment Example ($1,500 Loan Amount) |
|---|---|---|---|
| $1,500 | 15.00% | 12 Months | 12 Payments of $135.39 |
Home Equity Lines of Credit (HELOC)
| Loan Term | Rate as Low as | Payment Example ($20,000 Loan Amount) |
|---|---|---|
| 180 Months | 8.50%3 | 180 Payments of $196.95 |
Rates accurate as of November 7, 2023. Contact us for more information.
Rates are subject to change without notice after accounts are opened. Fees may reduce earnings.
APY = Annual Percentage Yield
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members. Finance rates are determined by your credit score. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice.
High Yield dividend rates change monthly based on market conditions. For full details, see the High Yield Disclosure.
1Rates subject to change. Fees can reduce the earnings on the accounts. All of the following PREFERRED Rewards Checking qualifications must be met monthly in order to qualify for any of the benefits:
- Log in to eBanking or the DCU Mobile App
- Enroll in and maintain eStatements
- Receive Direct Deposit totaling $500 or more each month
- Conduct a minimum of 15 Debit Card transactions with an aggregate total of $50 or more each month
PREFERRED Rewards Checking account holders also have the option of transferring earned dividends from your PREFERRED Rewards Checking into their PREFERRED Savings each month.
2Members have the opportunity to “Step Up” to a higher rate (should rates increase) one time during the certificate term. Minimum to open any Certificate is $500. There is a substantial penalty for early withdrawal. The penalty is an amount equal to 90 days worth of interest on the amount withdrawn whether it is earned or not. (This may reduce the principal of your Share Certificate.) If the certificate falls below the minimum required, the account will be closed and the penalty will apply to the full amount.
3HELOC Interest rates as low as Prime. Interest rates may be higher depending on credit history up to a maximum of Prime plus 1.25%. The Annual Percentage Rate (APR) is subject to change on the first day of a month following any change in the Index available to us as of 15 before the date of any annual percentage rate adjustment. The annual percentage rate will be determined by Prime Rate as listed in the “Money Rates” section of The Wall Street Journal. Property insurance is required on any property securing the HELOC.
4Maximum loan to value is 110% (Clean Retail Value of the vehicle is determined by JD Power) 10% down payment required.
5Minimum RV loan amount is $75,000.
Fee Schedule (Fees may reduce the overall earnings on the account)
Truth in Savings
Funds Availability Policy
MasterCard Credit Card Rates & Fees