Loan Rates

The following rates are effective as of
Vehicle Loans1 includes: Automobiles, Trucks, & MotorcyclesRateAPR*Term¹
New & Used 2010-2018* as low as 1.99%  2.24% up to 36 months*
New & Used 2010-2018*
as low as 2.89%  3.04% 37-60 months*
New & Used 2010-2018* as low as 3.39%  3.50% 61-84 months*

 *APR examples above are based on loan amount of $20,000 and max term stated for each rate tier. For a $20,000 new car loan for a term of 84 months with a 3.50% APR, the monthly payment will be $269.84.

Recreational Vehicles1 includes: Motor Homes, Travel Trailers, Boats, ATV's, Campers, etc.Rate APR* Term1 
New & Used 2010-2018*
as low as 4.39%  4.50% 61-84 months*
New & Used 2010-2018*
as low as 5.89%  5.95% 85-120 months* (>$30,000)

*APR example above for terms up to 84 months is based on loan amount of $20,000 and term of 84 months. APR example above for terms from 85-120 months
is based on loan amount of $30,000 and max stated term of 120 months. For a $20,000 new recreational vehicle loan for a term of 84 months with a 4.50% APR, the monthly payment will be $279.09.

Personal Loans1 & Personal Lines of Credit1RateAPR
Personal Loans- up to $25,000, maximum term 60 months
as low as 7.00% 7.16%
Personal Lines of Credit- minimum payment is 2% of the balance.  as low as 7.25% 7.40%

*APR examples above are based on loan amount of $20,000 and term of 60 months. For a $20,000 personal loan for a term of 60 months with a 7.16% APR, the monthly payment will be $397.62

Share Secured Loans2APR*
Shares-2% above dividend paid on Regular Shares2 3.13%
Share Certificates-2% above dividend paid on Share Certificates2 APR varies based on rates 
Credit Builder Loan-10% fixed rate/using DFFCU funds for pledge (24-36 months) 11.03%

*APR examples above are based on loan amount of $5,000 and term of 36 months. For a $5,000 share secured loan for a term of 36 months with a 3.13% APR, the monthly payment will be $145.70.

 

First Mortgage Loans

Today's Rates from myCUmortgage

 

Second Mortgage Loans3
minimum loan amount $5,000
Rate  APR* Term¹
Fixed Rate
 as low as 5.00% 5.15% up to 60 months*
Fixed Rate < 80% LTV**
 as low as 6.00% 6.08% 61-120 months*
Fixed Rate < 80% LTV**  as low as 6.50% 6.56% 121-180 months*
Fixed Rate < 80% LTV**  as low as 7.00%  7.05% 181-240 months*
Fixed Rate > 80% LTV**  as low as 6.50% 6.59% 61-120 months*

*APR examples above are based on loan amount of $20,000 and max term stated for each rate tier. For a $20,000 fixed rate second mortgage for a term of 60 months with a 5.00% APR, the monthly payment will be $378.91. Additional fees could occur with a second mortgage which would affect the APR and payment.

Home Equity Line of Credit4
(HELOC)
RateAPR*
Variable Rate ≤ 80% LTV**  Prime Rate
5.08%
Variable Rate ≥ 80% LTV**  Prime Rate + 1%
6.08%

*APR examples above are based on loan amount of $20,000 and term of 120 months. Additional fees could occur with a HELOC which would affect the APR.

 

  • *APR = Annual Percentage Rate.  APR includes a $75 document processing fee. APR can vary based on rate, loan amount and term. Additional fees could occur with a second mortgage or HELOC which would affect the APR.
  • Term = length of the loan in months.
    **LTV = Loan to Value.
  • 1 Interest rates are subject to type of loan, credit score, terms, and borrower's credit history. All rates are subject to change. Other conditions may apply. Personal loans and Personal lines of credit loan rates are based on credit score. Limits based on credit and monthly income. Personal line of credit loans- minimum line $500, maximum line $25,000. Payments are based on 2% of the balance. Minimum payment is $25. Qualified Vehicles are 8 model years or newer and/or 100,000 miles or less. The model year of the vehicle, loan amount , and credit score may affect term and rate.
  • 1Personal Lines of Credit: Loan rates are based on credit score. Limits based on credit and monthly income. Personal line of credit loans- minimum line $500, maximum line $25,000. Payments are based on 2% of the balance. Minimum payment is $25.
  • 2 Adjustable Rate: Share Certificate – The rate will be the dividend rate being paid on the Certificate offered as security (Index) plus 2.0%. The Certificate must be renewed until the loan is completely paid. When the Certificate is renewed the rate will change to reflect the new dividend rate. When the rate increases, you will have the choice of choosing higher payments or keeping your payment the same, which results in more payments than if you choose to increase your payment amount.Share secured loans- Regular Shares – Rates for share secured loans will be the dividend rate being paid on regular shares (Index) on the date of the loan plus 2.0%. The rates are subject to change on the first day of every month to reflect any change in the index.
  • 3 Second Mortgage: Loans are at a fixed rate for a minimum of $5,000 and a maximum of $150,000. Interest rates are subject to credit score, LTV, loan term, and borrower's credit history. All rates are subject to change. Other conditions may apply.Home Owners insurance is required on all second mortgage loans. Average closing costs of $250-$550 could apply. The payments do not include amounts for taxes and insurance premiums (if applicable), and the actual payment obligation will be greater.
  • 4 HOME EQUITY: Payments are based on a 120 month repayment term with a minimum payment of $50. Maximum APR of 18%. Finance charges begin accruing immediately after the advance or purchase. There is no grace period. HELOC is based on the prime rate. The annual percentage rate may vary. Prime is determined on the first day of the last month before a new quarter begins. The prime rate as of 06/13//2018 was 5.00% APR. Average closing costs of $250-$550 could apply. Home Owners insurance is required on all HELOCs. The payments do not include amounts for taxes and insurance premiums (if applicable), and the actual payment obligation will be greater.
  • LATE CHARGES: If you are more than 10 days late in making a payment, you will pay a late charge of $25.00.
  • COLLECTION COSTS: You promise to pay all costs of collecting the amount you owe under this Agreement to the extent permitted by state law.