Personal Loan Rates

Rates effective as of 4/1/2023

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 4/1/2023

Variable APR5

Rates effective as of 4/1/2023

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 4/1/2023

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.


NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


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*APY = 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.

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While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $10,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA, and that it be open when Cash Back is deposited. Cash Back to Commercial / Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.