Personal Loan Rates

Rates effective as of 4/13/2024

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 4/13/2024


Variable APR5
18.00%

Rates effective as of 4/13/2024


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 4/13/2024

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.