Compare DFCU Rates

We offer a variety of rates and terms

Account Rates

Savings Account Rates
Account TypeRateAPY
Membership Savings0.10%0.10%
Special Savings0.10%0.10%
IRA Savings0.20%0.20%
Mission Savings Fund Rates
Savings AmountRateAPYLoyalty RateLoyalty APY
$0–$14,9991.83%1.85%2.33%2.35%
$15,000+0.10%0.10%0.10%0.10%

Rates quoted as annual percentage yield (APY). For Regular Membership Savings Accounts, APY is earned on balances over $30.00, but the interest is calculated for the entire balance of the account. For other types of Savings Accounts, APY is earned on balances beginning at $0.01. Fees could reduce earnings. Rates subject to change after account opening.

Compare Savings Accounts

IRA Regular ($500 minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
3–5 Months0.25%0.25%0.25%0.25%
6–11 Months0.80%0.80%1.29%1.30%
12–23 Months1.59%1.60%2.32%2.35%
24–35 Months2.03%2.05%2.52%2.55%
36–47 Months2.32%2.35%2.81%2.85%
48–59 Months2.57%2.60%3.05%3.10%
60 Months2.76%2.80%3.25%3.30%
IRA Jumbo ($75,000 minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
6–11 Months0.80%0.80%1.29%1.30%
12–23 Months1.59%1.60%2.32%2.35%
24–35 Months2.03%2.05%2.52%2.55%
36–47 Months2.32%2.35%2.81%2.85%
48–59 Months2.57%2.60%3.05%3.10%
60 Months2.76%2.80%3.25%3.30%

Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $0.01. Fees could reduce earnings. Rates subject to change after account opening.

View IRA Details

Regular Money Market
Savings BalanceRateAPYLoyalty RateLoyalty APY
$0–$2,4990.05%0.05%0.10%0.10%
$2,500–$19,9990.20%0.20%0.25%0.25%
$20,000–$99,9990.30%0.30%0.40%0.40%
$100,000+0.35%0.35%0.50%0.50%
Jumbo Money Market
Savings BalanceRateAPYLoyalty RateLoyalty APY
$0–$99,9990.05%0.05%0.10%0.10%
$100,000–$249,9990.35%0.35%0.50%0.50%
$250,000–$499,9990.35%0.35%0.50%0.50%
$500,000–$999,9990.35%0.35%0.50%0.50%
$1,000,000+0.35%0.35%0.50%0.50%

Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $0.01. Fees could reduce earnings. Rates subject to change after account opening.

Money Market Details

Regular Rates ($500 Minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
3–5 Months0.25%0.25%0.25%0.25%
6–11 Months0.80%0.80%1.29%1.30%
12–23 Months1.59%1.60%2.32%2.35%
24–35 Months2.03%2.05%2.52%2.55%
36–47 Months2.32%2.35%2.81%2.85%
48–59 Months2.57%2.60%3.05%3.10%
60 Months2.76%2.80%3.25%3.30%
Jumbo Rates ($75,000 Minimum)
Share Certificate TermRateAPYLoyalty RateLoyalty APY
6–11 Months0.80%0.80%1.29%1.30%
12–23 Months1.59%1.60%2.32%2.35%
24–35 Months2.03%2.05%2.52%2.55%
36–47 Months2.32%2.35%2.81%2.85%
48–59 Months2.57%2.60%3.05%3.10%
60 Months2.76%2.80%3.25%3.30%

Rates quoted as annual percentage yield (APY). Minimum balance to open the account and earn the advertised APY for Bump and Regular Share Certificates is $500.00. Minimum balance for Jumbo is $75,000. The Premier Share Certificate term varies depending on when the account is opened. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Rates subject to change after account opening.

Share Certificate Choices

First Choice Checking Rates
Account TypeRateAPY
Non-Qualifying Account0.10%0.10%
Interest Account ($0–$10,000)0.99%1.00%
Interest Account ($10,000+)0.10%0.10%
Platinum Rewards Account ($0–$10,000)0.99%1.00%
Platinum Rewards Account ($10,000+)0.10%0.10%
Platinum Account ($0–$10,000)1.98%2.00%
Platinum Account ($10,000+)0.10%0.10%

Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $.01. Fees could reduce earnings. Rates subject to change after account opening. In order to qualify for the advertised rates you must satisfy the following requirements each monthly qualification cycle:

  • Have at least one payroll or retirement direct deposit transaction post and clear
  • Sign up to receive e-Statements rather than paper
  • Provide DFCU with a valid email address
  • Use your debit or credit card, as applicable, to make at least 10 separate purchases that post and clear
Compare Checking Accounts

PDF SymbolDownload the complete consumer rate sheet here.

Loan Rates

Current Auto Loan Rates
Loan Term LengthAPR*
48 Months3.89%
60 Months3.99%
72 Months4.24%
84 Months4.99%
Current RV Loan Rates
Loan TypeTermAPR
MotorcyclesUp to 7 years5.75%
ATVsUp to 7 years5.75%
Personal WatercraftUp to 7 years5.75%
Side-by-sidesUp to 7 years5.75%
Fifth WheelsUp to 12 years6.00%
Camper TrailersUp to 12 years6.00%
MotorhomesUp to 12 years6.00%
BoatsUp to 12 years6.00%

The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Membership and eligibility required. Offer subject to change. OAC.

Auto Loan Details
RV Loan Details

Current Mortgage Rates
TermRateAPR
10-Year Fixed-Rate Conventional3.75%3.982%
15-Year Fixed-Rate Conventional3.75%3.982%
20-Year Fixed-Rate Conventional4.00%4.182%
30-Year Fixed-Rate Conventional4.25%4.384%
Home Building Rates
Loan Type & TermRateAPR
Lot Loan (3-Year Balloon)6.25%6.25%
Construction Loan (12 Months)4.75%4.75%
HELOC Rate
TermRateAPR
HELOC 20-Year Term (10-Year Draw)*5.75%5.75%
2nd Mortgage Rates
TermRateAPR
5-Year 2nd Mortgage4.50%4.50%
6-Year Balloon (15-year amortization)4.75%4.75%
10-Year 2nd Mortgage4.75%4.75%
Short-Term Mortgage Rates
TermRateAPR
5-Year Fixed Rate3.75%3.75%
6-Year Balloon (30-year Amortization)4.375%4.375%
10-Year Fixed Rate4.00%4.00%
12-Year Fixed Rate4.75%4.75%
15-Year Fixed Rate4.75%4.75%
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The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Up to 97% financing available. OAC. Offer subject to change.

HELOC is a variable rate loan with rates as low as Prime Rate (shown above) plus .25 percent. YYour individual rate may be higher based upon your creditworthiness. Property insurance is required. Terms and conditions apply. Membership and eligibility required. OAC. Additional rates and products found here.

*This is a variable rate loan with rates as low as Prime Rate, 3.25%, plus .70 percent. Maximum interest rate over the life of the loan is 18% APR.

**6-month intro rate of 1.99% APR is a promotional offer. After the initial 6 months has ended, the rate for the HELOC will change to a variable rate based on Prime Rate plus margin. Rate stated as Annual Percentage Rate. Membership and eligibility required. Terms and conditions apply. O.A.C.

Mortgage Overview

Signature Loan Rates
Loan TermRateAPR
24-Month Fixed-Rate7.80%7.80%
36-Month Fixed-Rate7.90%7.90%
48-Month Fixed-Rate8.90%8.90%
60-Month Fixed-Rate9.90%9.90%

The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Offer subject to change. OAC.

Personal Loan Details

Credit Card Rates

Credit Card Interest Rates
Card TypeAPR
Visa PlatinumAs low as 8.9%
Visa Platinum RewardsAs low as 10.9%

Offering a variety of fixed-rate cards.

The annual percentage rates (APRs) listed here represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Foreign transaction fees apply: 1% of purchase. Cash advance fees apply: 1.5% of advance. Membership and eligibility required. Offer subject to change. OAC.

Compare Credit Cards

Business Rates

Business Savings Rates
Account TypeRateAPY
Membership Savings0.10%0.10%
Special Savings0.10%0.10%
Business Checking Rates
Account TypeRateAPY
Business Advantage Checking0.00%0.00%

Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $.01. Fees could reduce earnings. Rates subject to change after account opening.

Business Accounts

Business Share Certificates
Term LengthRateAPY
3–5 Months0.25%0.25%
6–11 Months0.80%0.80%
12–23 Months1.59%1.60%
24–35 Months2.03%2.05%
36–47 Months2.32%2.35%
48–59 Months2.57%2.60%
60 Months2.76%2.80%
Jumbo Business Share Certificates
Term LengthRateAPY
6–11 Months0.80%0.80%
12–23 Months1.59%1.60%
24–35 Months2.03%2.05%
36–47 Months2.32%2.35%
48–59 Months2.57%2.60%
60 Months2.76%2.80%

Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $.01. Minimum balance to open the account and earn the advertised APY is $500.00. Fees could reduce earnings. A penalty may be imposed for early withdrawal. Rates subject to change after account opening.

Business Accounts

Business Money Market Rates
TierRateAPY
$0 – $2,4990.05%0.05%
$2,500 – $19,9990.20%0.20%
$20,000 – $99,9990.30%0.30%
$100,000+0.35%0.35%
Jumbo Business Money Market Rates
TierRateAPY
$0 – $99,9990.05%0.05%
$100,000 – $249,9990.35%0.35%
$250,000 – $499,9990.35%0.35%
$500,000 – $999,9990.35%0.35%
$1,000,000+0.35%0.35%

Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $.01. Fees could reduce earnings. Rates subject to change after account opening.

Business Savings

Business Credit Card Rates
Card TypeAPR
Platinum BusinessAs low as 12.9%
Platinum Business RewardsAs low as 14.9%

The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness. Foreign transaction fees apply, 1% of purchase. Cash advance fees apply, 1.5% of advance. Membership and eligibility required. Offer subject to change. OAC.

Business Cards

PDF SymbolDownload the complete business rate sheet here.

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