Rates
| Name | APY2 |
|---|---|
| Standard | 0.02% |
| Premium† | 7.00% |
| Name | APY2 |
|---|---|
| Standard | 0.02% |
| Premium† | 7.00% |
Rates effective as of 05/21/2026
Cash Back Checking
| APY2 | 0.02% |
|---|
| APY2 | 7.00% |
|---|
| APY2 | 0.02% |
|---|
| APY2 | 7.00% |
|---|
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.01% |
| $2,500 to $9,999 | 0.01% |
| $10,000 to $24,999 | 0.01% |
| $25,000 to $49,999 | 0.01% |
| $50,000 to $74,999 | 0.02% |
| $75,000 to $99,999 | 0.02% |
| $100,000 and up | 0.02% |
1APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.
Rates effective as of 08/19/2026
Simplicity Checking
| APY1 | 0.01% |
|---|
| APY1 | 0.01% |
|---|
| APY1 | 0.01% |
|---|
| APY1 | 0.01% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
1APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.
| Name | APY1 |
|---|---|
| Savings | 0.02% |
| Holiday and Special Savings Account | 0.02% |
1APY = Annual Percentage Yield. Paid and Compounded Monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. $5 minimum required to open a Savings Account, Special Savings Account, or Holiday Savings Account. $20 minimum required to open a Checking Account and Interest Checking Plus Account. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase your Cash Back. DFCU Financial deposit products are insured by the NCUA.
| Name | APY1 |
|---|---|
| Savings | 0.02% |
| Holiday and Special Savings Account | 0.02% |
1APY = Annual Percentage Yield. Paid and Compounded Monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. $5 minimum required to open a Savings Account, Special Savings Account, or Holiday Savings Account. $20 minimum required to open a Checking Account and Interest Checking Plus Account. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase your Cash Back. DFCU Financial deposit products are insured by the NCUA.
Rates effective as of 06/24/2026
Savings Account
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
1APY = Annual Percentage Yield. Paid and Compounded Monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. $5 minimum required to open a Savings Account, Special Savings Account, or Holiday Savings Account. $20 minimum required to open a Checking Account and Interest Checking Plus Account. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase your Cash Back. DFCU Financial deposit products are insured by the NCUA.
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
1APY = Annual Percentage Yield. Paid and Compounded Monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. $5 minimum required to open a Savings Account, Special Savings Account, or Holiday Savings Account. $20 minimum required to open a Checking Account and Interest Checking Plus Account. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase your Cash Back. DFCU Financial deposit products are insured by the NCUA.
3 month
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 3.75% |
| $25,000 to $99,999 | 3.75% |
| $100,000 and up | 3.75% |
3 month
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 3.75% |
| $25,000 to $99,999 | 3.75% |
| $100,000 and up | 3.75% |
6 month
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 3.75% |
| $25,000 to $99,999 | 4.00% |
| $100,000 and up | 4.00% |
6 month
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 3.75% |
| $25,000 to $99,999 | 4.00% |
| $100,000 and up | 4.00% |
1 year
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 3.50% |
| $25,000 to $99,999 | 3.50% |
| $100,000 and up | 3.50% |
1 year
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 3.50% |
| $25,000 to $99,999 | 3.50% |
| $100,000 and up | 3.50% |
18 month
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 3.25% |
| $25,000 to $99,999 | 3.35% |
| $100,000 and up | 3.50% |
18 month
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 3.25% |
| $25,000 to $99,999 | 3.35% |
| $100,000 and up | 3.50% |
2 year
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 1.75% |
| $25,000 to $99,999 | 2.00% |
| $100,000 and up | 2.20% |
2 year
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 1.75% |
| $25,000 to $99,999 | 2.00% |
| $100,000 and up | 2.20% |
3 year
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 1.75% |
| $25,000 to $99,999 | 2.00% |
| $100,000 and up | 2.20% |
3 year
| Tier | |
|---|---|
| $1,000 to $24,999 | 1.75% |
| $25,000 to $99,999 | 2.00% |
| $100,000 and up | 2.20% |
5 year
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 1.75% |
| $25,000 to $99,999 | 2.00% |
| $100,000 and up | 2.20% |
**Penalty for early withdrawal of funds may apply on Certificate products.
***Dividends on Non-IRA Certificates over $2,500 may be deposited to your checking account, savings account or any non-IRA deposit account.
1APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.
5 year
| Tier | APY1 |
|---|---|
| $1,000 to $24,999 | 1.75% |
| $25,000 to $99,999 | 2.00% |
| $100,000 and up | 2.20% |
**Penalty for early withdrawal of funds may apply on Certificate products.
***Dividends on Non-IRA Certificates over $2,500 may be deposited to your checking account, savings account or any non-IRA deposit account.
1APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.
Rates effective as of 06/24/2026
Share Certificates
3 month
| APY1 | 3.75% |
|---|
| APY1 | 3.75% |
|---|
| APY1 | 3.75% |
|---|
3 month
| APY1 | 3.75% |
|---|
| APY1 | 3.75% |
|---|
| APY1 | 3.75% |
|---|
6 month
| APY1 | 3.75% |
|---|
| APY1 | 4.00% |
|---|
| APY1 | 4.00% |
|---|
6 month
| APY1 | 3.75% |
|---|
| APY1 | 4.00% |
|---|
| APY1 | 4.00% |
|---|
1 year
| APY1 | 3.50% |
|---|
| APY1 | 3.50% |
|---|
| APY1 | 3.50% |
|---|
1 year
| APY1 | 3.50% |
|---|
| APY1 | 3.50% |
|---|
| APY1 | 3.50% |
|---|
18 month
| APY1 | 3.25% |
|---|
| APY1 | 3.35% |
|---|
| APY1 | 3.50% |
|---|
18 month
| APY1 | 3.25% |
|---|
| APY1 | 3.35% |
|---|
| APY1 | 3.50% |
|---|
2 year
| APY1 | 1.75% |
|---|
| APY1 | 2.00% |
|---|
| APY1 | 2.20% |
|---|
2 year
| APY1 | 1.75% |
|---|
| APY1 | 2.00% |
|---|
| APY1 | 2.20% |
|---|
3 year
| APY1 | 1.75% |
|---|
| APY1 | 2.00% |
|---|
| APY1 | 2.20% |
|---|
3 year
| 1.75% |
| 2.00% |
| 2.20% |
5 year
| APY1 | 1.75% |
|---|
| APY1 | 2.00% |
|---|
| APY1 | 2.20% |
|---|
**Penalty for early withdrawal of funds may apply on Certificate products.
***Dividends on Non-IRA Certificates over $2,500 may be deposited to your checking account, savings account or any non-IRA deposit account.
1APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.
5 year
| APY1 | 1.75% |
|---|
| APY1 | 2.00% |
|---|
| APY1 | 2.20% |
|---|
**Penalty for early withdrawal of funds may apply on Certificate products.
***Dividends on Non-IRA Certificates over $2,500 may be deposited to your checking account, savings account or any non-IRA deposit account.
1APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.
IRA Savings
| APY1 |
|---|
| 0.02% |
1APY = Annual Percentage Yield. Paid and compounded monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. Deposit account balance may increase your Cash Back.
DFCU Financial deposit products are insured by the NCUA.
IRA Savings
| APY1 |
|---|
| 0.02% |
1APY = Annual Percentage Yield. Paid and compounded monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. Deposit account balance may increase your Cash Back.
DFCU Financial deposit products are insured by the NCUA.
Rates effective as of 06/24/2026
IRA Savings
IRA Savings
1APY = Annual Percentage Yield. Paid and compounded monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. Deposit account balance may increase your Cash Back.
DFCU Financial deposit products are insured by the NCUA.
IRA Savings
1APY = Annual Percentage Yield. Paid and compounded monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. Deposit account balance may increase your Cash Back.
DFCU Financial deposit products are insured by the NCUA.
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.02% |
| $2,500 to $24,999 | 0.02% |
| $25,000 to $49,999 | 0.02% |
| $50,000 to $99,999 | 0.02% |
| $100,000 to $249,999 | 0.05% |
| $250,000 to $499,999 | 0.10% |
| $500,000 and up | 0.15% |
Insured Money Market
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.02% |
| $2,500 to $24,999 | 0.02% |
| $25,000 to $49,999 | 0.02% |
| $50,000 to $99,999 | 0.02% |
| $100,000 to $249,999 | 0.05% |
| $250,000 to $499,999 | 0.10% |
| $500,000 and up | 0.15% |
Premier Money Market
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.02% |
| $2,500 to $24,999 | 0.02% |
| $25,000 to $49,999 | 0.02% |
| $50,000 to $99,999 | 1.50% |
| $100,000 to $249,999 | 2.85% |
| $250,000 to $499,999 | 3.15% |
| $500,000 to $999,999 | 3.25% |
| $1,000,000 and up | 3.70% |
Note: $2,500 minimum deposit to open.
1APY = Annual Percentage Yield. Paid and compounded monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. $5 minimum required to open a Savings Account, Special Savings Account, or Holiday Savings Account. $20 minimum required to open a Checking Account and Interest Checking Plus Account. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase your Cash Back (Premier IMMAs excluded). DFCU Financial deposit products are insured by the NCUA.
Premier Money Market
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.02% |
| $2,500 to $24,999 | 0.02% |
| $25,000 to $49,999 | 0.02% |
| $50,000 to $99,999 | 1.50% |
| $100,000 to $249,999 | 2.85% |
| $250,000 to $499,999 | 3.15% |
| $500,000 to $999,999 | 3.25% |
| $1,000,000 and up | 3.70% |
Note: $2,500 minimum deposit to open.
1APY = Annual Percentage Yield. Paid and compounded monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. $5 minimum required to open a Savings Account, Special Savings Account, or Holiday Savings Account. $20 minimum required to open a Checking Account and Interest Checking Plus Account. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase your Cash Back (Premier IMMAs excluded). DFCU Financial deposit products are insured by the NCUA.
Rates effective as of 06/24/2026
Insured Money Market Account
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.05% |
|---|
| APY1 | 0.10% |
|---|
| APY1 | 0.15% |
|---|
Insured Money Market
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.05% |
|---|
| APY1 | 0.10% |
|---|
| APY1 | 0.15% |
|---|
Premier Money Market
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 1.50% |
|---|
| APY1 | 2.85% |
|---|
| APY1 | 3.15% |
|---|
| APY1 | 3.25% |
|---|
| APY1 | 3.70% |
|---|
Note: $2,500 minimum deposit to open.
1APY = Annual Percentage Yield. Paid and compounded monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. $5 minimum required to open a Savings Account, Special Savings Account, or Holiday Savings Account. $20 minimum required to open a Checking Account and Interest Checking Plus Account. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase your Cash Back (Premier IMMAs excluded). DFCU Financial deposit products are insured by the NCUA.
Premier Money Market
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 1.50% |
|---|
| APY1 | 2.85% |
|---|
| APY1 | 3.15% |
|---|
| APY1 | 3.25% |
|---|
| APY1 | 3.70% |
|---|
Note: $2,500 minimum deposit to open.
1APY = Annual Percentage Yield. Paid and compounded monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. $5 minimum required to open a Savings Account, Special Savings Account, or Holiday Savings Account. $20 minimum required to open a Checking Account and Interest Checking Plus Account. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase your Cash Back (Premier IMMAs excluded). DFCU Financial deposit products are insured by the NCUA.
Closed End Home Equity Rates
| APR1 | Max Fixed Term | Max Variable Term | Max CLTV |
|---|---|---|---|
| As low as 6.49% APR | 60 Months | N/A | <=80% |
| As low as 7.24% APR | 120 Months | N/A | <=80% |
| As low as 8.24% APR | 180 Months | N/A | <=80% |
| As low as 7.24% APR | 60 Months | N/A | >80% <=90% |
| As low as 7.99% APR | 120 Months | N/A | >80% <=90% |
| As low as 8.99% APR | 180 Months | N/A | >80% <=90% |
1Home Equity Loans must be for a primary Michigan residence or a secondary lien on a Michigan vacation home and must be owner-occupied. Property, title and/or flood insurance, if applicable, are required. APR = Annual Percentage Rate. CLTV = Combined Loan To Value. Fixed-Rate Home Equity Loan: NO Annual Fee.
Rates effective as of 06/23/2026
Home Equity Loan Rates
Closed End Home Equity Rates
| Max Fixed Term | 60 Months |
|---|---|
| Max Variable Term | N/A |
| Max CLTV | <=80% |
| Max Fixed Term | 120 Months |
|---|---|
| Max Variable Term | N/A |
| Max CLTV | <=80% |
| Max Fixed Term | 180 Months |
|---|---|
| Max Variable Term | N/A |
| Max CLTV | <=80% |
| Max Fixed Term | 60 Months |
|---|---|
| Max Variable Term | N/A |
| Max CLTV | >80% <=90% |
| Max Fixed Term | 120 Months |
|---|---|
| Max Variable Term | N/A |
| Max CLTV | >80% <=90% |
| Max Fixed Term | 180 Months |
|---|---|
| Max Variable Term | N/A |
| Max CLTV | >80% <=90% |
1Home Equity Loans must be for a primary Michigan residence or a secondary lien on a Michigan vacation home and must be owner-occupied. Property, title and/or flood insurance, if applicable, are required. APR = Annual Percentage Rate. CLTV = Combined Loan To Value. Fixed-Rate Home Equity Loan: NO Annual Fee.
| Credit Limit | <=50% CLTV | 51-60% CLTV | 61-80% CLTV | 81-90% CLTV |
|---|---|---|---|---|
| $10,000 - $24,999 | 6.75% | 6.75% | 7.25% | 8.50% |
| $25,000 - $49,999 | 6.75% | 6.75% | 7.25% | 8.50% |
| $50,000 - $74,999 | 6.75% | 6.75% | 7.25% | 8.50% |
| $75,000 - $99,999 | 6.75% | 6.75% | 7.25% | 8.50% |
| $100,000 - $249,999 | 6.50% | 6.50% | 7.00% | 8.25% |
| >=$250,000 | 6.50% | 6.50% | 7.00% | 8.25% |
Rates displayed are for excellent credit. Must meet DFCU credit underwriting guidelines.
Combined Loan To Value (CLTV)
Rates effective as of 07/13/2026
HELOC Rates
| <=50% CLTV | 6.75% |
|---|---|
| 51-60% CLTV | 6.75% |
| 61-80% CLTV | 7.25% |
| 81-90% CLTV | 8.50% |
| <=50% CLTV | 6.75% |
|---|---|
| 51-60% CLTV | 6.75% |
| 61-80% CLTV | 7.25% |
| 81-90% CLTV | 8.50% |
| <=50% CLTV | 6.75% |
|---|---|
| 51-60% CLTV | 6.75% |
| 61-80% CLTV | 7.25% |
| 81-90% CLTV | 8.50% |
| <=50% CLTV | 6.75% |
|---|---|
| 51-60% CLTV | 6.75% |
| 61-80% CLTV | 7.25% |
| 81-90% CLTV | 8.50% |
| <=50% CLTV | 6.50% |
|---|---|
| 51-60% CLTV | 6.50% |
| 61-80% CLTV | 7.00% |
| 81-90% CLTV | 8.25% |
| <=50% CLTV | 6.50% |
|---|---|
| 51-60% CLTV | 6.50% |
| 61-80% CLTV | 7.00% |
| 81-90% CLTV | 8.25% |
Rates displayed are for excellent credit. Must meet DFCU credit underwriting guidelines.
Combined Loan To Value (CLTV)
New Vehicle with Auto Pay
| Loan Type | Fixed APR3 | Max Fixed Terms |
|---|---|---|
| New Vehicle with Auto Pay from DFCU Account | As low as 4.99% | Up to 60 months |
| As low as 5.24% | 61 to 83 months | |
| As low as 5.99% | 84 months |
New Vehicle with Auto Pay from DFCU Account
| Loan Type | Fixed APR3 | Max Fixed Terms |
|---|---|---|
| New Vehicle with Auto Pay from DFCU Account | As low as 4.99% | Up to 60 months |
| As low as 5.24% | 61 to 83 months | |
| As low as 5.99% | 84 months |
New Vehicle without Auto Pay
| Loan Type | Fixed APR3 | Max Fixed Terms |
|---|---|---|
| New Vehicle without Auto Pay | As low as 5.24% | Up to 60 months |
| As low as 5.49% | 61 to 83 months | |
| As low as 6.24% | 84 months |
New Vehicle without Auto Pay
| Loan Type | Fixed APR3 | Max Fixed Terms |
|---|---|---|
| New Vehicle without Auto Pay | As low as 5.24% | Max Fixed Terms |
| As low as 5.49% | As low as 5.49% | |
| As low as 6.24% | 84 months |
Used Vehicle with Auto Pay from DFCU Account
| Loan Type | Fixed APR3 | Max Fixed Terms |
|---|---|---|
| Used Vehicle with Auto Pay from DFCU Account | As low as 4.99% | Up to 60 months |
| As low as 5.24% | 61 to 83 months | |
| As low as 5.99% | 84 months |
Used Vehicle with Auto Pay from DFCU Account
| Loan Type | As low as 4.99% | Max Fixed Terms |
|---|---|---|
| Used Vehicle with Auto Pay from DFCU Account | As low as 4.99% | Up to 60 months |
| As low as 5.24% | 61 to 83 months | |
| As low as 5.99% | 84 months |
Used Vehicle without Auto Pay
| Loan Type | Fixed APR3 | Max Fixed Terms |
|---|---|---|
| Used Vehicle without Auto Pay | As low as 5.24% | Up to 60 months |
| As low as 5.49% | 61 to 83 months | |
| As low as 6.24% | 84 months |
3Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Preferred Rates with Auto Pay: As shown in the above APR (Annual Percentage Rate), you will receive a discount of 0.25% on your interest rate with automatic payment from a DFCU Financial checking or savings account. Preferred rates are not available for Personal Lines of Credit, Credit Cards, Share Loans, Home Equity Lines of Credit or any other Unsecured Loan. Late Charges: If your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
Used Vehicle without Auto Pay
| Loan Type | Fixed APR3 | Max Fixed Terms |
|---|---|---|
| Used Vehicle without Auto Pay | As low as 5.24% | Up to 60 months |
| As low as 5.49% | 61 to 83 months | |
| As low as 6.24% | 84 months |
3Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Preferred Rates with Auto Pay: As shown in the above APR (Annual Percentage Rate), you will receive a discount of 0.25% on your interest rate with automatic payment from a DFCU Financial checking or savings account. Preferred rates are not available for Personal Lines of Credit, Credit Cards, Share Loans, Home Equity Lines of Credit or any other Unsecured Loan. Late Charges: If your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
Rates effective as of 06/24/2026
Auto Loan Rates
New Vehicle with Auto Pay
| Fixed APR3 | As low as 4.99% |
|---|---|
| Max Fixed Terms | Up to 60 months |
| Fixed APR3 | As low as 5.24% |
|---|---|
| Max Fixed Terms | 61 to 83 months |
| Fixed APR3 | As low as 5.99% |
|---|---|
| Max Fixed Terms | 84 months |
New Vehicle with Auto Pay from DFCU Account
| Fixed APR3 | As low as 4.99% |
|---|---|
| Max Fixed Terms | Up to 60 months |
| Fixed APR3 | As low as 5.24% |
|---|---|
| Max Fixed Terms | 61 to 83 months |
| Fixed APR3 | As low as 5.99% |
|---|---|
| Max Fixed Terms | 84 months |
New Vehicle without Auto Pay
| Fixed APR3 | As low as 5.24% |
|---|---|
| Max Fixed Terms | Up to 60 months |
| Fixed APR3 | As low as 5.49% |
|---|---|
| Max Fixed Terms | 61 to 83 months |
| Fixed APR3 | As low as 6.24% |
|---|---|
| Max Fixed Terms | 84 months |
New Vehicle without Auto Pay
| Fixed APR3 | As low as 5.24% |
|---|---|
| Max Fixed Terms | Max Fixed Terms |
| Fixed APR3 | As low as 5.49% |
|---|---|
| Max Fixed Terms | As low as 5.49% |
| Fixed APR3 | As low as 6.24% |
|---|---|
| Max Fixed Terms | 84 months |
Used Vehicle with Auto Pay from DFCU Account
| Fixed APR3 | As low as 4.99% |
|---|---|
| Max Fixed Terms | Up to 60 months |
| Fixed APR3 | As low as 5.24% |
|---|---|
| Max Fixed Terms | 61 to 83 months |
| Fixed APR3 | As low as 5.99% |
|---|---|
| Max Fixed Terms | 84 months |
Used Vehicle with Auto Pay from DFCU Account
| As low as 4.99% | As low as 4.99% |
|---|---|
| Max Fixed Terms | Up to 60 months |
| As low as 4.99% | As low as 5.24% |
|---|---|
| Max Fixed Terms | 61 to 83 months |
| As low as 4.99% | As low as 5.99% |
|---|---|
| Max Fixed Terms | 84 months |
Used Vehicle without Auto Pay
| Fixed APR3 | As low as 5.24% |
|---|---|
| Max Fixed Terms | Up to 60 months |
| Fixed APR3 | As low as 5.49% |
|---|---|
| Max Fixed Terms | 61 to 83 months |
| Fixed APR3 | As low as 6.24% |
|---|---|
| Max Fixed Terms | 84 months |
3Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Preferred Rates with Auto Pay: As shown in the above APR (Annual Percentage Rate), you will receive a discount of 0.25% on your interest rate with automatic payment from a DFCU Financial checking or savings account. Preferred rates are not available for Personal Lines of Credit, Credit Cards, Share Loans, Home Equity Lines of Credit or any other Unsecured Loan. Late Charges: If your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
Used Vehicle without Auto Pay
| Fixed APR3 | As low as 5.24% |
|---|---|
| Max Fixed Terms | Up to 60 months |
| Fixed APR3 | As low as 5.49% |
|---|---|
| Max Fixed Terms | 61 to 83 months |
| Fixed APR3 | As low as 6.24% |
|---|---|
| Max Fixed Terms | 84 months |
3Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Preferred Rates with Auto Pay: As shown in the above APR (Annual Percentage Rate), you will receive a discount of 0.25% on your interest rate with automatic payment from a DFCU Financial checking or savings account. Preferred rates are not available for Personal Lines of Credit, Credit Cards, Share Loans, Home Equity Lines of Credit or any other Unsecured Loan. Late Charges: If your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
Boat Loans
| Loan Amount | Fixed APR1 | Max Fixed Terms |
|---|---|---|
| $5,000 - $35,000 | As low as 7.49% APR | Ask for details |
| $35,001 - $350,000 | As low as 6.99% APR | Ask for details |
Boat Loans
| Loan Amount | Fixed APR3 | Max Fixed Terms |
|---|---|---|
| $5,000 - $35,000 | As low as 7.49% APR | Ask for details |
| $35,001 - $350,000 | As low as 6.99% APR | Ask for details |
Recreational Vehicle Loans
| Loan Term | Fixed APR1 | Max Fixed Terms |
|---|---|---|
| 36 months or less | As low as 6.74% APR | Ask for details |
| 37 months or more | As low as 7.24% APR | Ask for details |
Recreational Vehicle Loans
| Loan Term | Fixed APR1 | Max Fixed Terms |
|---|---|---|
| 36 months or less | As low as 6.74% APR | Ask for details |
| 37 months or more | As low as 7.24% APR | Ask for details |
Motorhome Loans
| Loan Term | Fixed APR1 | Max Fixed Terms |
|---|---|---|
| Up to 180 months | As low as 7.49% APR | Ask for details |
1Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Preferred Rates with Auto Pay: As shown in the above APR (Annual Percentage Rate), you will receive a discount of 0.25% on your interest rate with automatic payment from a DFCU Financial checking or savings account. Preferred rates are not available for Personal Lines of Credit, Credit Cards, Share Loans, Home Equity Lines of Credit or any other Unsecured Loan. Late Charges: If your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
Motorhome Loans
| Loan Term | Fixed APR1 | Max Fixed Terms |
|---|---|---|
| Up to 180 months | As low as 7.49% APR | Ask for details |
1Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Preferred Rates with Auto Pay: As shown in the above APR (Annual Percentage Rate), you will receive a discount of 0.25% on your interest rate with automatic payment from a DFCU Financial checking or savings account. Preferred rates are not available for Personal Lines of Credit, Credit Cards, Share Loans, Home Equity Lines of Credit or any other Unsecured Loan. Late Charges: If your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
Rates effective as of 06/24/2026
Boat, RV, and Motorhome Rates
Boat Loans
| Fixed APR1 | As low as 7.49% APR |
|---|---|
| Max Fixed Terms | Ask for details |
| Fixed APR1 | As low as 6.99% APR |
|---|---|
| Max Fixed Terms | Ask for details |
Boat Loans
| Fixed APR3 | As low as 7.49% APR |
|---|---|
| Max Fixed Terms | Ask for details |
| Fixed APR3 | As low as 6.99% APR |
|---|---|
| Max Fixed Terms | Ask for details |
Recreational Vehicle Loans
| Fixed APR1 | As low as 6.74% APR |
|---|---|
| Max Fixed Terms | Ask for details |
| Fixed APR1 | As low as 7.24% APR |
|---|---|
| Max Fixed Terms | Ask for details |
Recreational Vehicle Loans
| Fixed APR1 | As low as 6.74% APR |
|---|---|
| Max Fixed Terms | Ask for details |
| Fixed APR1 | As low as 7.24% APR |
|---|---|
| Max Fixed Terms | Ask for details |
Motorhome Loans
| Fixed APR1 | As low as 7.49% APR |
|---|---|
| Max Fixed Terms | Ask for details |
1Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Preferred Rates with Auto Pay: As shown in the above APR (Annual Percentage Rate), you will receive a discount of 0.25% on your interest rate with automatic payment from a DFCU Financial checking or savings account. Preferred rates are not available for Personal Lines of Credit, Credit Cards, Share Loans, Home Equity Lines of Credit or any other Unsecured Loan. Late Charges: If your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
Motorhome Loans
| Fixed APR1 | As low as 7.49% APR |
|---|---|
| Max Fixed Terms | Ask for details |
1Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Preferred Rates with Auto Pay: As shown in the above APR (Annual Percentage Rate), you will receive a discount of 0.25% on your interest rate with automatic payment from a DFCU Financial checking or savings account. Preferred rates are not available for Personal Lines of Credit, Credit Cards, Share Loans, Home Equity Lines of Credit or any other Unsecured Loan. Late Charges: If your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
| Fixed APR1 | Variable APR | Max Fixed Terms | Minimum Amount | Maximum Amount |
|---|---|---|---|---|
| As low as 15.24% | N/A | 60 Months | $1,000 | $10,000 |
1Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Late Charges: if your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
| Fixed APR1 | Variable APR | Max Fixed Terms | Minimum Amount | Maximum Amount |
|---|---|---|---|---|
| As low as 15.24% | N/A | 60 Months | $1,000 | $10,000 |
1Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Late Charges: if your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
Rates effective as of 06/24/2026
Personal Loan
| Variable APR | N/A |
|---|---|
| Max Fixed Terms | 60 Months |
| Minimum Amount | $1,000 |
| Maximum Amount | $10,000 |
1Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Late Charges: if your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
| Variable APR | N/A |
|---|---|
| Max Fixed Terms | 60 Months |
| Minimum Amount | $1,000 |
| Maximum Amount | $10,000 |
1Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Late Charges: if your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
| Variable APR2 |
|---|
| 16.25% |
2Variable Rates: The Annual Percentage Rate (APR) is determined by the sum of the Prime Rate as listed in the Money Rates table of the Wall Street Journal (index) plus a margin of at least 0.75% on Home Equity Lines of Credit and 10.00% on Personal Lines of Credit, and is subject to change the first day of each month. Any change in the APR will take the form of additional payments of the same amount. The maximum APR that can apply is 18.00% or the maximum permitted by law, whichever is less. Late Fee: if your payment is more than 15 days late you will be charged a $20 late fee. Home Equity Line of Credit Annual Fee: $50; Personal Line of Credit Annual Fee: $25. We do business in accordance with the Federal Fair Housing Laws and the Equal Credit Opportunity Act.
| Variable APR2 |
|---|
| 16.25% |
2Variable Rates: The Annual Percentage Rate (APR) is determined by the sum of the Prime Rate as listed in the Money Rates table of the Wall Street Journal (index) plus a margin of at least 0.75% on Home Equity Lines of Credit and 10.00% on Personal Lines of Credit, and is subject to change the first day of each month. Any change in the APR will take the form of additional payments of the same amount. The maximum APR that can apply is 18.00% or the maximum permitted by law, whichever is less. Late Fee: if your payment is more than 15 days late you will be charged a $20 late fee. Home Equity Line of Credit Annual Fee: $50; Personal Line of Credit Annual Fee: $25. We do business in accordance with the Federal Fair Housing Laws and the Equal Credit Opportunity Act.
Rates effective as of 06/24/2026
Personal Lines of Credit
2Variable Rates: The Annual Percentage Rate (APR) is determined by the sum of the Prime Rate as listed in the Money Rates table of the Wall Street Journal (index) plus a margin of at least 0.75% on Home Equity Lines of Credit and 10.00% on Personal Lines of Credit, and is subject to change the first day of each month. Any change in the APR will take the form of additional payments of the same amount. The maximum APR that can apply is 18.00% or the maximum permitted by law, whichever is less. Late Fee: if your payment is more than 15 days late you will be charged a $20 late fee. Home Equity Line of Credit Annual Fee: $50; Personal Line of Credit Annual Fee: $25. We do business in accordance with the Federal Fair Housing Laws and the Equal Credit Opportunity Act.
2Variable Rates: The Annual Percentage Rate (APR) is determined by the sum of the Prime Rate as listed in the Money Rates table of the Wall Street Journal (index) plus a margin of at least 0.75% on Home Equity Lines of Credit and 10.00% on Personal Lines of Credit, and is subject to change the first day of each month. Any change in the APR will take the form of additional payments of the same amount. The maximum APR that can apply is 18.00% or the maximum permitted by law, whichever is less. Late Fee: if your payment is more than 15 days late you will be charged a $20 late fee. Home Equity Line of Credit Annual Fee: $50; Personal Line of Credit Annual Fee: $25. We do business in accordance with the Federal Fair Housing Laws and the Equal Credit Opportunity Act.
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.01% |
| $2,500 to $9,999 | 0.01% |
| $10,000 to $24,999 | 0.01% |
| $25,000 to $49,999 | 0.01% |
| $50,000 to $74,999 | 0.02% |
| $75,000 to $99,999 | 0.02% |
| $100,000 and up | 0.02% |
1Dividends are paid from current income and available earnings, after required transfers to reserves have been made. These are prospective APYs (Annual Percentage Yields) and dividend rates expected to be paid. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term, even if the minimum balance for the next tier is met. All APY rates are based on $1,000 or minimum balance requirements, whichever is higher. Please refer to your statement for the actual Annual Percentage Yield. All savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government by the National Credit Union Administration, a US Government agency. Rates are subject to change without notice.
Rates effective as of 08/03/2026
Business Interest Checking Plus Rates
| APY1 | 0.01% |
|---|
| APY1 | 0.01% |
|---|
| APY1 | 0.01% |
|---|
| APY1 | 0.01% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
| APY1 | 0.02% |
|---|
1Dividends are paid from current income and available earnings, after required transfers to reserves have been made. These are prospective APYs (Annual Percentage Yields) and dividend rates expected to be paid. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term, even if the minimum balance for the next tier is met. All APY rates are based on $1,000 or minimum balance requirements, whichever is higher. Please refer to your statement for the actual Annual Percentage Yield. All savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government by the National Credit Union Administration, a US Government agency. Rates are subject to change without notice.
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.02% |
| $2,500 to $24,999 | 0.50% |
| $25,000 to $49,999 | 1.50% |
| $50,000 to $99,999 | 2.00% |
| $100,000 to $249,999 | 2.50% |
| $250,000 to $499,999 | 2.75% |
| $500,000 and up | 3.00% |
1APY = Annual Percentage Yield. Paid and compounded monthly on Business Savings and Money Market accounts. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened.
Rates effective as of 07/23/2026
Business Savings Rates
| APY1 | 0.02% |
|---|
| APY1 | 0.50% |
|---|
| APY1 | 1.50% |
|---|
| APY1 | 2.00% |
|---|
| APY1 | 2.50% |
|---|
| APY1 | 2.75% |
|---|
| APY1 | 3.00% |
|---|
1APY = Annual Percentage Yield. Paid and compounded monthly on Business Savings and Money Market accounts. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened.
| Tier | APY1 |
|---|---|
| $0 to $2,499 | 0.02% |
| $2,500 to $24,999 | 0.50% |
| $25,000 to $49,999 | 1.50% |
| $50,000 to $99,999 | 2.00% |
| $100,000 to $249,999 | 2.50% |
| $250,000 to $499,999 | 2.75% |
| $500,000 and up | 3.00% |
1APY = Annual Percentage Yield. Paid and compounded monthly on Business Savings and Money Market accounts. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened.
Rates effective as of 07/23/2026
Business Insured Money Market Rates
| APY1 | 0.02% |
|---|
| APY1 | 0.50% |
|---|
| APY1 | 1.50% |
|---|
| APY1 | 2.00% |
|---|
| APY1 | 2.50% |
|---|
| APY1 | 2.75% |
|---|
| APY1 | 3.00% |
|---|
1APY = Annual Percentage Yield. Paid and compounded monthly on Business Savings and Money Market accounts. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened.
