Rates

Make Your Money Matter

DFCU Financial Counselors

Available to our members!

Read More!

  • Rates displayed are effective as of February 26, 2025.
  • All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.
  • Fees may reduce earnings.
  • APY = Annual Percentage Yield.
  • APR = Annual Percentage Rate.

Free Kasasa Cash® Checking* Learn More

Balance Minimum Opening Deposit Rate APY
0 to $25,000 $10.00 3.96% 4.00%
$25,000+ $10.00 0.75% 4.00% to 0.75%
All balances if qualifications not met $10.00 0.05% 0.05%
0 to $25,000
Minimum Opening Deposit$10.00
Rate3.96%
APY4.00%
$25,000+
Minimum Opening Deposit$10.00
Rate0.75%
APY4.00% to 0.75%
All balances if qualifications not met
Minimum Opening Deposit$10.00
Rate0.05%
APY0.05%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • At least 15 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Log into Online Banking

Free Kasasa Saver®* Learn More

Balance Minimum Opening Deposit Rate APY
0 to $50,000 $5.00 2.00% 2.00%
$50,000+ $5.00 0.75% 2.00% to 0.75%
All balances if qualifications not met $5.00 0.05% 0.05%
0 to $50,000
Minimum Opening Deposit$5.00
Rate2.00%
APY2.00%
$50,000+
Minimum Opening Deposit$5.00
Rate0.75%
APY2.00% to 0.75%
All balances if qualifications not met
Minimum Opening Deposit$5.00
Rate0.05%
APY0.05%

Qualifications

Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 15 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Log into Online Banking

Share Savings Accounts Learn More

Type APY
Regular Share Savings 0.05%
Club Share Savings 0.05%
Escrow 0.10%
IRA Shares 0.30%
Regular Share Savings
APY0.05%
Club Share Savings
APY0.05%
Escrow
APY0.10%
IRA Shares
APY0.30%

A minimum balance of $50.00 is required to earn dividends.

Rates for Share Savings Accounts and Money Market Accounts are variable and may change after the account is opened.

Money Market Shares Learn More

Balance APY
$5,000 - $24,999.99 0.30%
$25,000 - $49,999.99 0.40%
$50,000 - $74,999.99 0.70%
$75,000 and up 0.80%
$5,000 - $24,999.99
APY0.30%
$25,000 - $49,999.99
APY0.40%
$50,000 - $74,999.99
APY0.70%
$75,000 and up
APY0.80%

Balances of less than $5,000 will not earn dividends.

Rates for Share Savings Accounts and Money Market Accounts are variable and may change after the account is opened.

Share Certificates Learn More

Term APY
3 Month 0.20%
6 Month 0.30%
12 Month 0.35%
18 Month 0.40%
24 Month 0.45%
36 Month 0.60%
48 Month 0.70%
60 Month 1.00%
3 Month
APY0.20%
6 Month
APY0.30%
12 Month
APY0.35%
18 Month
APY0.40%
24 Month
APY0.45%
36 Month
APY0.60%
48 Month
APY0.70%
60 Month
APY1.00%

A minimum of $1,000 is required to open a Share Certificate.

IRA Certificates Learn More

Term APY
12 Month 0.25%
12 Month
APY0.25%

Annual Percentage Yield is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage.
Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA.

VISA Credit Card Learn More

Type APR as low as Details
Non Variable 7.50% No Annual Fee
Non Variable
APR as low as7.50%
DetailsNo Annual Fee

VISA Credit Card Disclosure

New Auto/Truck Learn More

Term APR as low as Maximum Loan-to-Value
0 - 36 mos 5.00% 100%
37 - 48 mos 5.25% 100%
49 - 66 mos 5.25% 100%
67 - 72 mos  > $15,000 6.00% 100%

73 - 78 mos > $15,000

 6.50% 100%

79 - 84 mos > $25,000

 6.99% 100%

 

0 - 36 mos
APR as low as5.00%
Maximum Loan-to-Value100%
37 - 48 mos
APR as low as5.25%
Maximum Loan-to-Value100%
49 - 66 mos
APR as low as5.25%
Maximum Loan-to-Value100%
67 - 72 mos  > $15,000
APR as low as6.00%
Maximum Loan-to-Value100%

73 - 78 mos > $15,000

APR as low as6.50%
Maximum Loan-to-Value100%

79 - 84 mos > $25,000

APR as low as6.99%
Maximum Loan-to-Value100%

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

Used Auto/Truck Learn More

Term APR as low as Maximum Loan-to-Value
0 - 36 mos 5.50% 100%
37 - 48 mos 5.75% 100%
49 - 66 mos 6.00% 100%
67 - 72 mos  > $15,000 6.50% 100%
73 - 78 mos > $15,000 7.25% 100%
79 - 84 mos >$ 25,000 7.25% 100%
0 - 36 mos
APR as low as5.50%
Maximum Loan-to-Value100%
37 - 48 mos
APR as low as5.75%
Maximum Loan-to-Value100%
49 - 66 mos
APR as low as6.00%
Maximum Loan-to-Value100%
67 - 72 mos  > $15,000
APR as low as6.50%
Maximum Loan-to-Value100%
73 - 78 mos > $15,000
APR as low as7.25%
Maximum Loan-to-Value100%
79 - 84 mos >$ 25,000
APR as low as7.25%
Maximum Loan-to-Value100%

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

New Recreational Vehicles (Motorcycles / ATV's / Recreational Vehicles / Snowmobiles) Learn More

Term APR as low as Maximum Loan-to-Value
24 - 48 mos 6.50% 100%
49 - 60 mos 7.00% 100%
61 - 72 mos > $15,000 7.50% 100%
73 - 120 mos > $40,000 8.00% 100%
121 - 144 mos > $40,000 8.50% 100%
24 - 48 mos
APR as low as6.50%
Maximum Loan-to-Value100%
49 - 60 mos
APR as low as7.00%
Maximum Loan-to-Value100%
61 - 72 mos > $15,000
APR as low as7.50%
Maximum Loan-to-Value100%
73 - 120 mos > $40,000
APR as low as8.00%
Maximum Loan-to-Value100%
121 - 144 mos > $40,000
APR as low as8.50%
Maximum Loan-to-Value100%

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

Used Recreational Vehicles (Motorcycles / ATV's / Recreational Vehicles / Snowmobiles) Learn More

Term APR as low as Maximum Loan-to-Value
24 - 48 mos 7.50% 100%
49 - 60 mos 7.75% 100%
61 - 72 mos > $15,000 8.00% 100%
73 - 120 mos > $40,000 8.75% 100%

 

24 - 48 mos
APR as low as7.50%
Maximum Loan-to-Value100%
49 - 60 mos
APR as low as7.75%
Maximum Loan-to-Value100%
61 - 72 mos > $15,000
APR as low as8.00%
Maximum Loan-to-Value100%
73 - 120 mos > $40,000
APR as low as8.75%
Maximum Loan-to-Value100%

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

New Vehicle Loans (Dump Trucks/ Tractors / Heavy Equipment) Learn More

Term APR as low as Maximum Loan-to-Value
24 - 48 mos 7.00% 100%
49 - 60 mos 7.25% 100%
61 - 72 mos > $15,000 7.50% 100%
73 - 120 mos > $40,000 8.00% 100%
24 - 48 mos
APR as low as7.00%
Maximum Loan-to-Value100%
49 - 60 mos
APR as low as7.25%
Maximum Loan-to-Value100%
61 - 72 mos > $15,000
APR as low as7.50%
Maximum Loan-to-Value100%
73 - 120 mos > $40,000
APR as low as8.00%
Maximum Loan-to-Value100%

***Mileage may not exceed NADA average.

Value < $10,000 may not exceed 48 months. Value < $7,000 may not exceed 36 months.

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

Used Vehicle Loans (Dump Trucks/ Tractors / Heavy Equipment) Learn More

Term APR as low as Maximum Loan-to-Value
24 - 48 mos 7.50% 100%
49 - 60 mos 7.75% 100%
61 - 72 mos > $15,000 8.00% 100%
73 - 120 mos > $40,000 8.50% 100%

 

24 - 48 mos
APR as low as7.50%
Maximum Loan-to-Value100%
49 - 60 mos
APR as low as7.75%
Maximum Loan-to-Value100%
61 - 72 mos > $15,000
APR as low as8.00%
Maximum Loan-to-Value100%
73 - 120 mos > $40,000
APR as low as8.50%
Maximum Loan-to-Value100%

Mileage may not exceed NADA average.

Value < $10,000 may not exceed 48 months. Value < $7,000 may not exceed 36 months.

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

New Motor Homes / Boats / Campers Learn More

Term APR as low as Maximum Loan-to-Value
24 - 36 mos 6.00% 100%
48 - 60 mos 6.00% 100%
61 - 84 mos > $25,000 7.00% 100%
85 - 120 mos > $40,000 7.50% 100%
121 - 144 mo > $40,000 8.00% 100%
145 - 180 mo > $40,000 8.50% 100%

 

24 - 36 mos
APR as low as6.00%
Maximum Loan-to-Value100%
48 - 60 mos
APR as low as6.00%
Maximum Loan-to-Value100%
61 - 84 mos > $25,000
APR as low as7.00%
Maximum Loan-to-Value100%
85 - 120 mos > $40,000
APR as low as7.50%
Maximum Loan-to-Value100%
121 - 144 mo > $40,000
APR as low as8.00%
Maximum Loan-to-Value100%
145 - 180 mo > $40,000
APR as low as8.50%
Maximum Loan-to-Value100%

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

Used Motor Homes / Boats / Campers Learn More

Term APR as low as Maximum Loan-to-Value
24 - 36 mos 6.25% 100%
48 - 60 mos 6.75% 100%
61 - 84 mos > $25,000 7.50% 100%
120 mos > $40,000 8.25% 100%

 

24 - 36 mos
APR as low as6.25%
Maximum Loan-to-Value100%
48 - 60 mos
APR as low as6.75%
Maximum Loan-to-Value100%
61 - 84 mos > $25,000
APR as low as7.50%
Maximum Loan-to-Value100%
120 mos > $40,000
APR as low as8.25%
Maximum Loan-to-Value100%

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

Signature Loans Learn More

Term APR as low as Maximum Amount
Up to 60 mos 9.00% $12,500 Max. Based on Individual Income
Up to 60 mos
APR as low as9.00%
Maximum Amount$12,500 Max. Based on Individual Income

A signature loan of $8,000 for 60 months at 8.75% APR may have a monthly payment of $165.10.

Signature Line of Credit

APR as low as Maximum Amount
8.50% $12,500
8.50%
Maximum Amount$12,500

Share Secured Loans Learn More

Term APR as low as Details
Up to 60 mos 2.25% Over Regular Share Rate Variable Subject to Change
Up to 60 mos
APR as low as2.25% Over Regular Share Rate
DetailsVariable Subject to Change

Certificate Secured Loans

Term APR as low as Details
Term of Certificate 2.25% Over CD Rate Certificate Balance Less Interest
Term of Certificate
APR as low as2.25% Over CD Rate
DetailsCertificate Balance Less Interest

Overdraft Line of Credit

Term APR as low as Details
Revolving 18.00% Minimum $500/ Maximum $1,000 Deducted From Unsecured Limit
Revolving
APR as low as18.00%
DetailsMinimum $500/ Maximum $1,000 Deducted From Unsecured Limit