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Member Rate Sheet

Printer FriendlyDFCUPerks Plus

Tier APY2
$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%

Rates effective as of 9/27/2023

Printer FriendlySavings Account

Name APY2
Savings  0.02%
Holiday and Special Savings Account  0.02% 

Rates effective as of 9/27/2023

Printer FriendlyShare Certificates

3 month

Tier APY1
$1,000 to $24,999  4.50%
$25,000 to $99,999  4.50%
$100,000 and up  4.50% 

6 month

Tier APY1
$1,000 to $24,999 4.50%
$25,000 to $99,999 4.50%
$100,000 and up 4.50%

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 3.00%
$25,000 to $99,999 3.00%
$100,000 and up 3.00%

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%

5 year

Tier APY1
$1,000 to $24,999 1.75%
$25,000 to $99,999 2.00%
$100,000 and up 2.20%

Rates effective as of 9/27/2023

Printer FriendlyInsured Money Market Account

Tier APY2
$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% 

Rates effective as of 9/27/2023

Printer FriendlyIRA Savings

APY2
 0.02% 

Rates effective as of 9/27/2023

Printer FriendlyClosed End Home Equity Loan

APR4 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%

Rates effective as of 9/27/2023

Printer FriendlyHome Equity Line of Credit

APR5 Max Fixed Term Max Variable Term Max CLTV
As low as 9.25% APR N/A N/A <=80%
As low as 9.75% APR N/A N/A >80% <=90%

Rates effective as of 9/27/2023

Printer FriendlyAuto Loan

Loan Type Fixed APR3 Max Fixed Terms
New Vehicle Purchase with Auto Pay from DFCU Financial Checking or Savings As low as 6.49% APR Ask for details
New Vehicle Purchase without Auto Pay As low as 6.74% APR Ask for details
Used Vehicle Loan with Auto Pay from DFCU Financial Checking or Savings As low as 6.49% APR Ask for details
Used Vehicle Loan without Auto Pay As low as 6.74% APR Ask for details

Rates effective as of 9/27/2023

Printer FriendlyBoat, RV, and Motorhome Rates

Boat Loans

Loan Amount Fixed APR3 Max Fixed Terms
$5,000 - $35,000 As low as 7.24% APR Ask for details
$35,001 -$350,000 As low as 6.74% APR Ask for details

Recreational Vehicle Loans

Loan Term Fixed APR3 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 APR3 Max Fixed Terms
Up to 180 months As low as 7.24% APR Ask for details

Rates effective as of 9/27/2023

Printer FriendlyPersonal Loan

Fixed APR6 Variable APR Max Fixed Terms Minimum Amount Maximum Amount
As low as 15.24% N/A 60 Months $1,000 $10,000

Rates effective as of 9/27/2023

Printer FriendlyPersonal Lines of Credit

Variable APR5
18.00%

Rates effective as of 9/27/2023

Printer FriendlyShare Loan

Fixed APR7 Variable APR Max Fixed Terms Minimum Amount Maximum Amount
6.00% N/A 60 Months $2,000 $50,000

Rates effective as of 9/27/2023

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.

2APY = 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.

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.

4Home 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.

5Variable 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 10.50% 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 25.00% 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.

6Risk 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.

7Share Loans use a dollar-for-dollar match from your DFCU Savings Account or DFCU Certificate balances to secure the loan. Secured funds will be released upon loan pay off. APR = Annual Percentage Rate.

8Mortgages: DFCU Financial does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. DFCU Financial is an equal opportunity lender. All home lending products are subject to credit and property approval. Rates and program terms and conditions are subject to change without notice. ARM rates and payments may increase or decrease after consummation due to market-driven changes to the index. ARM rate and payment adjustments are based on the One Year LIBOR index rate plus 3.00% margin. For the 5/1 ARM, the interest rate can increase or decrease up to 2% the first adjustment period and 2% per adjustment period after that, with a lifetime cap of 5%. For the 7/1 and 10/1 ARMs, the interest rate can increase or decrease up to 5% the first adjustment period and 2% per adjustment period after that, with a lifetime cap of 5%.