Investments, Savings and Loan Rates

 

 

Share Certificates

 
Interset RateAnnual Percentage Yield (APY)Frequency of CompoundingFrequency of CreditingMin Balance to Obtain APYMin Opening Deposit
6 Month1.00%1.00%QuarterlyQuarterly$500$500
1 Year1.25%1.26%QuarterlyQuarterly$500$500
2 Year1.65%1.66%QuarterlyQuarterly$500$500
3 Year1.85%1.86%QuarterlyQuarterly$500$500
 
 

Jumbo Share Certificates

 
Interset RateAnnual Percentage Yield (APY)Frequency of CompoundingFrequency of CreditingMin Balance to Obtain APYMin Opening Deposit
6 Month1.25%1.26%QuarterlyQuarterly$100,000$100,000
1 Year1.50%1.51%QuarterlyQuarterly$100,000$100,000
2 Year1.85%1.86%QuarterlyQuarterly$100,000$100,000
3 Year2.00%2.02%QuarterlyQuarterly$100,000$100,000
 
 

IRA/Roth Share Certificates

 
Interset RateAnnual Percentage Yield (APY)Frequency of CompoundingFrequency of CreditingMin Balance to Obtain APYMin Opening Deposit
1 Year1.50%1.51%QuarterlyQuarterly$500$500
2 Year1.85%1.86%QuarterlyQuarterly$500$500
3 Year2.00%2.02%QuarterlyQuarterly$500$500
Variable Account.50%.50%MonthlyMonthly$.01$.01
 
 

Savings/Checking

 
Interset RateAnnual Percentage Yield (APY)Frequency of CompoundingFrequency of CreditingMin Balance to Obtain APYMin Opening Deposit
Regular Shares.25%.25%QuarterlyQuarterly$0.01$5
Checking.10%.10%MonthlyMonthly$0.01$50
 
 

Money Market Shares

 
Interset RateAnnual Percentage Yield (APY)Frequency of CompoundingFrequency of CreditingMin Balance to Obtain APYMin Opening Deposit
$0 - $9,999.99.30%.30%MonthlyMonthly$0.01$0.01
$10,000 - $49,999.99.40%.40%MonthlyMonthly$10,000$10,000
$50,000 & Above.50%.50%MonthlyMonthly$50,000$50,000
 
 

Auto Loan Rates

 
AmountTermAPR
Rates Reflect New Never Titled Autos36 Months2.99%
48 Months2.99%
60 Months2.99%
$20,000 Up72 Months3.49%
$30,000 Up84 Months4.24%

* APR - Annual Percentage Rate Applies to new DCU loans
** Rates based on Tier 1 borrower with automatic payments. Your actual rate may vary depending on credit score and loan to value. For Motorcycle, RV, Boats and Trailers add 1.00% to rate. No loan origination fees.

 
 

Auto Used 2013-2018 Loan Rates

 
AmountTermAPR
36 Months3.49%
48 Months3.49%
60 Months3.49%
$20,000 Up72 Months3.79%
$30,000 Up84 Months4.49%

* APR - Annual Percentage Rate Applies to new DCU loans
** Rates based on Tier 1 borrower with automatic payments. Your actual rate may vary depending on credit score. Mileage less than 130,000. Motorcycles, RV's, Boats, and Trailers add 1.500%. No loan origination Fees.
***Call a Consumer Loan Officer regarding rates for vehicles 2012 and older.

 
 

Mortgage Rates

 
TermRateAPR
30 Year Fixed3.25%3.323%
20 Year Fixed3.125%3.226%
15 Year Fixed3.00%3.130%
10 Year Fixed3.00%3.189%
5/1 ARM****
7/1 ARM****

* APR - Annual Percentage Rate
** Call For Rate

Disclaimer for Mortgage Rates

The interest rates and annual percentage rates (APRs) shown are available as of 9:00am on the date shown.  They are subject to change without notice.

APR assumes a $100,000 loan with a maximum loan to value of 95%.  Rates and down payment requirements vary according to credit history.  Subject to credit approval.  Monthly payment amounts vary by loan term and rates.  Below are payment examples based on a $100,000 loan and the APRs listed April 10, 2019:

•             30-year loan:  360 monthly payments of $477.62

•             20-year loan:  240 monthly payments of $599.60

•             15-year loan:  180 monthly payments of $715.06

•             10-year loan:  120 monthly payments of $989.05 

The monthly payment amounts shown include principal and interest only.  Property taxes, property insurance, and flood insurance (if applicable) are not included in the monthly payment amounts listed. Your actual monthly payment obligation will be higher.

 
 

Other Loan Types Rates

 
Loan TypeAPR
Signature Loan6.74%**
CD Secured4.00%
Share Secured4.00%
Stock Secured4.00%

* APR - Annual Percentage Rate
**Rate based on A+ credit, and auto payments.