Vehicle Loans
New (2024 or newer)
Rates (APR)1 as low as
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| FICO |
36 months |
48 months |
60 months |
72 months |
| ≥720 |
5.24% |
5.74% |
5.99% |
6.24% |
| 680-719 |
7.25% |
7.50% |
7.75% |
8.25% |
| 640-679 |
10.50% |
10.75% |
11.00% |
11.50% |
| 600-639 |
13.25% |
13.50% |
13.75% |
14.25% |
| 599 or below |
16.75% |
17.00% |
17.25% |
17.50% |
1APR = Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors, and include rate discounts for Shield Elite Checking account holders and direct deposit into a DFCU checking account. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. (Payment example: $25,000 loan for 72 months at 6.24% APR would require 72 payments of $417.16). Rates are subject to change without notice.
Used (2019 to 2023)
Rates (APR)1 as low as
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| FICO |
36 months |
48 months |
60 months |
72 months |
| ≥720 |
5.24% |
5.74% |
5.99% |
6.24% |
| 680-719 |
7.25% |
7.50% |
7.75% |
8.25% |
| 640-679 |
10.50% |
10.75% |
11.00% |
11.50% |
| 600-639 |
13.25% |
13.50% |
13.75% |
14.25% |
| 599 or below |
16.75% |
17.00% |
17.25% |
17.50% |
1APR = Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors, and include rate discounts for Shield Elite Checking account holders and direct deposit into a DFCU checking account. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. (Payment example: $20,000 loan for 60 months at 5.99% APR would require 60 payments of $386.56). Rates are subject to change without notice.
Used (2018 or older)
Rates (APR)1 as low as
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| FICO |
24 months |
36 months |
48 months |
60 months |
| ≥720 |
6.25% |
6.50% |
6.75% |
7.25% |
| 680-719 |
7.75% |
8.00% |
8.25% |
8.75% |
| 640-679 |
11.25% |
11.50% |
11.75% |
12.25% |
| 600-639 |
14.25% |
14.50% |
14.75% |
15.25% |
| 599 or below |
16.75% |
17.00% |
17.25% |
17.50% |
1APR = Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors, and include rate discounts for Shield Elite Checking account holders and direct deposit into a DFCU checking account. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. (Payment example: $15,000 loan for 48 months at 6.75% APR would require 48 payments of $357.46). Rates are subject to change without notice.
Boats and Recreational Vehicles (up to 5 years old)
Rates (APR)1 as low as
Scroll to the right to see details
| FICO |
48 months |
60 months |
72 months |
120 months |
180 months |
| ≥720 |
8.74% |
9.00% |
9.25% |
9.75% |
10.50% |
| 680-719 |
10.25% |
10.50% |
10.75% |
11.25% |
12.00% |
| 640-679 |
12.25% |
12.50% |
13.25% |
13.25% |
14.00% |
| 600-639 |
14.25% |
14.50% |
14.75% |
15.25% |
16.00% |
| 599 or below |
16.75% |
17.00% |
17.25% |
17.50% |
17.50% |
The terms of repayment, which reflect the repayment obligations over the full term of the loan, including any balloon payment (i.e. 60 monthly payments of $17.52 per $1,000 borrowed.)
1All rates quoted are APR=Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors, and include rate discounts for Shield Elite Checking account holders and direct deposit into a DFCU checking account. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. (Payment example: $80,000 loan for 180 months at 10.5% APR would require 180 payments of $884.32). Rates are subject to change without notice.
Motorcycles, Personal Watercraft, All-Terrain
Rates (APR)1 as low as
Scroll to the right to see details
| FICO |
48 months |
60 months |
72 months |
| ≥720 |
8.99% |
9.25% |
9.50% |
| 680-719 |
10.50% |
10.75% |
11.00% |
| 640-679 |
12.50% |
12.75% |
13.00% |
| 600-639 |
14.50% |
14.75% |
15.00% |
| 599 or below |
17.50% |
17.50% |
17.50% |
1All rates quoted are APR=Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors, and include rate discounts for Shield Elite Checking account holders and direct deposit into a DFCU checking account. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. (Payment example: $15,000 loan for 48 months at 8.99% APR would require 48 payments of $373.20). Rates are subject to change without notice.
Personal Loan (up to $25,000)
Rates (APR)3 as low as
Scroll to the right to see details
| FICO |
12 months |
24 months |
36 months |
48 months |
60 months |
| ≥720 |
9.00% |
9.25% |
9.75% |
10.00% |
10.25% |
| 680-719 |
10.50% |
10.75% |
11.25% |
11.50% |
11.75% |
| 640-679 |
12.75% |
13.00% |
13.50% |
13.75% |
14.00% |
| 600-639 |
15.25% |
15.50% |
16.00% |
16.25% |
16.50% |
| 599 or below |
17.25% |
17.50% |
17.50% |
17.50% |
17.50% |
3APR=Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors, and include rate discounts for Shield Elite Checking account holders and direct deposit into a DFCU checking account. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. (Payment example: $15,000 loan for 60 months at 10.25% APR would require 60 payments of $320.55). Rates are subject to change without notice.
Credit Card
DFCU Credit Cards
| FICO |
Annual Percentage Rate |
Card Type |
| 720+ |
APR* |
Platinum |
| 680-719 |
APR* |
Platinum |
| 640-679 |
APR* |
Classic |
| 600-639 |
APR* |
Classic |
| ≤599 |
APR* |
Classic |
Rewards Credit Cards
| FICO |
Annual Percentage Rate |
| 720+ |
APR* |
| 680-719 |
APR* |
| 640-679 |
APR* |
| 600-639 |
APR* |
Other Loan Products
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4APR=Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. Rates are subject to change without notice.
Line of Credit Agreement
Real Estate
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5APR=Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. Rates are subject to change without notice but will not increase more than 6.00% above the initial rate or 18.00%, whichever is less. Estimated costs related to the process: Drive-by Appraisal ($225.00), Title Fees ($230.00-$450.00), Origination Fee ($60.00).DFCU does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act and deposits are Federally Insured by NCUA. Membership in good standing is required in order to be approved for a loan. Additional restrictions apply. Please contact a DFCU Loan Representative, give us a call or visit our branch for complete program details, qualifying criteria, and disclosures.
Home and Rental Line of Credit Agreement
Savings Accounts
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Fees could reduce earnings.
Elevate Savings Account
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Shield Elite Checking Account
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Tiered Money Market Accounts
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Money Market shares opened prior to 04/01/18 with balances of $2,500 or more will continue to earn a monthly dividend rate of 0.05% and APY+ of 0.05%.
Flex CD & IRA Accounts
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After seven calendar days of opening, the Flex CD and Flex IRA allows for a one-time withdrawal of up to 50% of the current certificate balance or IRA balance with no DFCU penalties. Early IRA withdrawal penalties are subject to any IRS penalties as disclosed in the appropriate Credit Union IRA Custodial Agreement. All IRA deposit and withdrawal IRS limitations apply. Consult with a tax specialist for any IRA withdrawals IRS penalties. Any additional withdrawals (partial/full) or closing of the Flex certificate or Flex IRA before the 10-month end date will result in penalties. The rates and dividends listed above are eligible for new money deposited from another financial institution. Existing DFCU funds are not applicable for the rates and dividends listed above. Standard base rate for Flex CD and IRA is 3.50% APY and dividend rate is 3.44%.
Certificates
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| Term |
Dividend Period |
Minimum balance to open account and earn dividends |
Dividend Rate |
Annual Percentage Yield (APY)+ |
| 6 month |
Quarterly |
$1,000 |
1.24% |
1.25% |
| 12 months |
Quarterly |
$1,000 |
1.49% |
1.50% |
| 24 months |
Quarterly |
$1,000 |
1.73% |
1.75% |
| 36 months |
Quarterly |
$1,000 |
1.98% |
2.00% |
| 48 months |
Quarterly |
$1,000 |
2.23% |
2.25% |
| 60 months |
Quarterly |
$1,000 |
2.47% |
2.50% |
Penalties may apply to early withdrawals from Certificate accounts. These are set forth in your Certificate Account agreement and disclosures. Fees could reduce earnings.
Individual Retirement Accounts (Traditional, Roth, SEP, Coverdell ESA)
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| Term |
Dividend Period |
Minimum balance to open account and earn dividends |
Dividend Rate |
Annual Percentage Yield (APY)+ |
| 12 months |
Quarterly |
$500 |
1.98%
|
2.00% |
| 18 months |
Quarterly |
$500 |
2.23%
|
2.25% |
| 24 months |
Quarterly |
$500 |
2.47%
|
2.50% |
| 36 months |
Quarterly |
$500 |
2.72%
|
2.75% |
| 48 months |
Quarterly |
$500 |
2.96%
|
3.00% |
| 60 months |
Quarterly |
$500 |
3.21%
|
3.25% |
IRS and state law penalties: certain federal and state penalties may apply to early withdrawals from IRA accounts. These are set forth in your Individual Retirement Account agreement and disclosures. Fees could reduce earnings.
