Savings accounts

AccountDividend RateAnnual Percentage Yield (APY)
Primary savings (With balance of $50 & Over).0.10%0.10%
Holiday Club0.10%0.10%
Vacation Club0.10%0.10%
Secondary Savings0.10%0.10%
PREFERRED Saver (Available only with PREFERRED Rewards Checking):
Balance up to $10,0000.15%0.15%
Balances over $10,0000.10%0.10% – 0.15%
High Yield (formerly Money Market):
$2,500 – $9,999.990.10%0.10%
$10,000 – $24,999.990.15%0.15%
$25,000.00 +0.15%0.15%

Checking accounts

Account Dividend RateAnnual Percentage Yield (APY)  
PREFERRED Rewards Checking (Qualifications must be met):
Up to $10,000 (If Qualifications are Met)12.47%2.50%
Over $10,000 (If Qualifications are Met)10.25%0.25% – 2.50%
If Qualifications are NOT Met0.05%0.05%
No Frills Checking – Any balance0.00%0.00%

Individual Retirement Accounts (IRA) ($25 & Over)

AccountDividend RateAnnual Percentage Yield (APY)
IRA Shares0.15%0.15%

Share & IRA Certificates ($500 Minimum)2

TermDividend RateAnnual Percentage Yield (APY)
6 Months0.150%0.150%
12 Months (1 Year)0.250%0.250%
24 Months (2 Years)0.350%0.350%
36 Months (3 Years)0.450%0.450%
60 Months (5 Years)0.750%0.750%

Signature Loans

Loan TermRate as Low asPayment Example ($20,000 Loan Amount)
Up to 60 Months9.98%60 Payments of $424.74
61 to 84 Months10.98%84 Payments of $342.24

Vehicle Loans

Loan TermRate as Low asPayment Example ($20,000 Loan Amount)
Up to 60 Months2.25%60 Payments of $352.75
61 to 72 Months2.75%72 Payments of $301.64

Recreational Vehicle Loans (RVs, Boats, Motorcycles)

Loan TermRate as Low asPayment Example ($20,000 Loan Amount)
Up to 60 Months5.75%60 Payments of $384.34
61 to 72 Months6.75%72 Payments of $338.58

Secured Loans

Loan TermRate as Low asPayment Example ($20,000 Loan Amount)
Share Secured Up to 84 Months3.25%84 Payments of $266.53
Share CertificatePrime Rate Plus Pledged Certificate Rate

Credit Cards

Loan TermRate as Low asAfter Introductory Period
Rate as Low as
DCU MasterCard9.50%9.50%
DCU MasterCard Secured7.50%7.50%

Holiday Loans

Loan TermRate as Low asPayment Example ($1,000 Loan Amount)
12 Months10.00%12 Payments of $87.92

Entrance Ramp Loans

Loan TermRate as Low asPayment Example ($1,200 Loan Amount)
Up to 60 Months18.00%12 Payments of $110.02

Home Equity Lines of Credit (HELOC)

Loan TermRate as Low asPayment Example ($20,000 Loan Amount)
180 Months3.25%3180 Payments of $140.53

Rates accurate as of 1/6/2022. 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.

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:

  1. Log in to eBanking or the DCU Mobile App
  2. Enroll in and maintain eStatements
  3. Receive Direct Deposit totaling $500 or more each month
  4. 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 quarterly on the 15th day of the first month of the quarter (January, April, July and October) following any change in the Index and 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.

Fee Schedule (Fees may reduce the overall earnings on the account)
Truth in Savings
Funds Availability Policy
MasterCard Credit Card Rates & Fee

BRANCH UPDATE: Effective Monday January 10th, our branch lobbies will be temporarily closed. Our main location on Satyr Hill Road will operate via DRIVE THRU only. No lobby access.Read more