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Rates effective

+ Checking & Savings Rates

Checking & Savings Rates

Account TypeAPY%*Dividend RateDividend PaymentTier
Interest Checking Plus0.05% APY0.050%Paid and Compounded Monthly$0 to $2,499
Interest Checking Plus0.05% APY0.050%Paid and Compounded Monthly$2,500 to $9,999
Interest Checking Plus0.05% APY0.050%Paid and Compounded Monthly$10,000 to $24,999
Interest Checking Plus0.05% APY0.050%Paid and Compounded Monthly$25,000 to $49,999
Interest Checking Plus0.10% APY0.100%Paid and Compounded Monthly$50,000 to $74,999
Interest Checking Plus0.10% APY0.100%Paid and Compounded Monthly$75,000 to $99,999
Interest Checking Plus0.10% APY0.100%Paid and Compounded Monthly$100,000 and up
Savings Account0.05% APY0.050%Paid and Compounded MonthlyDoes Not Apply
Holiday and Special Savings Account0.05% APY0.050%Paid and Compounded MonthlyDoes Not Apply
Insured Money Market Account0.05% APY0.050%Paid and Compounded Monthly$0 to $2,499
Insured Money Market Account0.10% APY0.100%Paid and Compounded Monthly$2,500 to $9,999
Insured Money Market Account0.10% APY0.100%Paid and Compounded Monthly$10,000 to $24,999
Insured Money Market Account0.15% APY0.150%Paid and Compounded Monthly$25,000 to $49,999
Insured Money Market Account0.20% APY0.200%Paid and Compounded Monthly$50,000 to $74,999
Insured Money Market Account0.20% APY0.200%Paid and Compounded Monthly$75,000 to $99,999
Insured Money Market Account0.30% APY0.300%Paid and Compounded Monthly$100,000 and up
IRA Savings0.05% APY0.050%Paid and Compounded MonthlyDoes Not Apply

Additional information about our checking and savings products:
• 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

*APY = Annual Percentage Yield

+ Certificate & IRA Certificate Rates

Certificate & IRA Certificate Rates

TermAPY*Dividend RateDividend PaymentTier
3 month Certificate or IRA0.15% APY0.150%Compounded Quarterly$1,000 to $24,999
3 month Certificate or IRA0.20% APY0.200%Compounded Quarterly $25,000 to $99,999
3 month Certificate or IRA0.25% APY0.250%Compounded Quarterly$100,000 and up
6 month Certificate or IRA0.20% APY0.200%Compounded Quarterly$1,000 to $24,999
6 month Certificate or IRA0.25% APY0.250%Compounded Quarterly $25,000 to $99,999
6 month Certificate or IRA0.30% APY0.300%Compounded Quarterly$100,000 and up
1 Year Certificate or IRA0.25% APY0.250%Compounded Quarterly$1,000 to $24,999
1 Year Certificate or IRA0.30% APY0.300%Compounded Quarterly$25,000 to $99,999
1 Year Certificate or IRA0.35% APY0.350%Compounded Quarterly$100,000 and up
2 Year Certificate or IRA0.35% APY0.350%Compounded Quarterly$1,000 to $24,999
2 Year Certificate or IRA0.40% APY0.400%Compounded Quarterly$25,000 to $99,999
2 Year Certificate or IRA0.50% APY0.500%Compounded Quarterly$100,000 and up
3 Year Certificate or IRA0.40% APY0.400%Compounded Quarterly$1,000 to $24,999
3 Year Certificate or IRA0.45% APY0.450%Compounded Quarterly$25,000 to $99,999
3 Year Certificate or IRA0.60% APY0.599%Compounded Quarterly$100,000 and up
5 Year Certificate or IRA0.80% APY0.798%Compounded Quarterly$1,000 to $24,999
5 Year Certificate or IRA0.90% APY0.897%Compounded Quarterly$25,000 to $99,999
5 Year Certificate or IRA1.00% APY0.997%Compounded Quarterly$100,000 and up

Additional Information about our Certificates:
• Rates subject to change without notice at any time
• Penalties may apply for early withdrawals
• DFCU Financial deposit products are insured by the NCUA

*APY = Annual Percentage Yield

+ Home Equity Rates

Home Equity Rates

Loan TypeAPRLoan AmountMax Fixed TermMax Variable TermMax CLTV
Home Equity Line of CreditAs low as 4.50% APR$10,000 to $250,000N/AN/A<=75%
Home Equity Line of CreditAs low as 5.00% APR$10,000 to $250,000N/AN/A85%
Closed End Home Equity LoanAs low as 5.5% APR$10,000 to $250,00060 MonthsN/A<=75%
Closed End Home Equity LoanAs low as 6.00% APR$10,000 to $250,000120 MonthsN/A<=75%
Closed End Home Equity LoanAs low as 6.75% APR$10,000 to $250,000180 MonthsN/A<=75%
Closed End Home Equity LoanAs low as 6.75% APR$10,000 to $250,00060 MonthsN/A85%
Closed End Home Equity LoanAs low as 7.250% APR$10,000 to $250,000120 MonthsN/A85%
Closed End Home Equity LoanAs low as 7.75% APR$10,000 to $250,000180 MonthsN/A85%

Preferred Discount Rates Available!

You will receive a discount of 0.25% on your interest rate for automatic payment from a DFCU Financial checking or savings account, as shown in the above APR (Annual Percentage Rate). Preferred rates are not available for Personal Lines of Credit, Credit Cards, Share Loans, Home Equity Lines of Credit or any other Unsecured Loan.

Our loans may pay you cash back!

It's called CASH BACK. The more you bank with us, the greater your potential payday could be. Qualified members receive a reward of one-half percent (0.50%) on their average yearly loan and deposit balances from the prior year.

It's easy.

You don't have to be a loan expert - that's our job. One of our loan specialists is available to help you determine which type of loan is right for you. Contact DFCU Financial for more information or apply online.

Notes:

Home Equity Loans must be for a primary Michigan residence 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

Home Equity Line of Credit: $50 Annual Fee

+ Auto Loan Rates

Auto Loan Rates

Loan TypeFixed APRMax Fixed Terms
New Vehicle Purchase with Auto Pay from DFCU Financial Checking or SavingsAs low as 2.49% APRAsk for details
New Vehicle Purchase without Auto PayAs low as 2.74% APRAsk for details
Used Vehicle Loan with Auto Pay from DFCU Financial Checking or SavingsAs low as 2.74% APRAsk for details
Used Vehicle Loan without Auto PayAs low as 2.99% APRAsk for details

Apply now - it's easy!

Additional information about our auto rates.

  • Risk 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.
  • APR = Annual Percentage Rate
  • CLTV = Combined Loan To Value
+ Boat & RV Loan Rates

Boat & RV Loan Rates

Loan TypeFixed APRMax Fixed TermsLoan Amount
Boat LoanAs low as 6.25% APRAsk For Details$5,000 - $35,000
Boat LoanAs low as 5.75% APRAsk for details$35,000 -$250,000
Recreational VehiclesAs low as 8.75% APRAsk for details$3,000 to $9,999
Recreational VehiclesAs low as 7.75% APRAsk for details$10,000 and up
Motor Homes and CampersAs low as 6.75% APRAsk for details$5,000 to $35,000
Motor Homes and CampersAs low as 6.25% APRAsk for details$35,000 to $250,000

Additional Information

Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness.  Please ask us for the initial rate that you qualify for.

Preferred Rates:  You will receive a discount of 0.25% on your interest rate for automatic payment from a DFCU Financial checking or savings account, as shown in the above APR (Annual Percentage Rate).  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.

APR = Annual Percentage Rate

CLTV = Combined Loan To Value

+ Personal Loan Rates

Personal Loan Rates

Loan TypeFixed APRVariable APRMax Fixed TermsMinimum AmountMaximum Amount
Personal LoanAs low as 15.24%N/A60 Months$2,000$20,000

 

Our loans may pay you cash!

It's called CASH BACK. The more you bank with us, the greater your potential payday could be. Qualified members may receive a reward of one-half percent (0.50%) on their average yearly loan and deposit balances from the prior year. Try our CASH BACK calculator to see what your potential payday could be today.

It's easy.

You don't have to be a loan expert - that's our job. One of our loan specialists is available to help you determine which type of loan is right for you. Contact DFCU Financial for more information or apply online.

Notes:

Risk Based: The Annual Percentage Rate (APR) you receive is based on your credit worthiness. Please ask us for the initial rate that you qualify for.

+ Personal Line of Credit Rates

Personal Line of Credit Rates

Loan TypeVariable APR
Personal Line of Credit13.75%

Our loans may pay you cash!

It's called CASH BACK. The more you bank with us, the greater your potential payday could be. In January, qualified members receive a reward of one-half percent (0.50%) on their average yearly loan and deposit balances from the prior year.

It's easy.

You don't have to be a loan expert - that's our job. One of our loan specialists is available to help you determine which type of loan is right for you. Contact DFCU Financial for more information or apply online.

Notes:

Variable 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 0.0%-10.50% 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

Annual Fee: $25

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Mortgage Rates

Credit Card Rates

All rates subject to change at any time without notice.

APR = Annual Percentage Rate

CLTV = Combined Loan To Value