DCU Routing Number: 211391825
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DCU Rates Overview
View rates and disclosures for our loan, deposit and business products.
Print Rates
Vehicle Loans
Auto Loans Rates
Rates listed for new or used cars, trucks, and vans. Get up to 130% LTV (loan-to-value), subject to DCU's underwriting criteria.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 36 Months | 5.74% | $30.30 |
| Up to 48 Months | 5.74% | $23.37 |
| Up to 65 Months | 5.74% | $17.94 |
| Up to 72 Months | 6.24% | $16.69 |
| Up to 84 Months | 7.74% | $15.46 |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment
Auto Refinancing Rates
Rates listed for new or used cars, trucks, and vans. Get up to 130% LTV (loan-to-value), subject to DCU's underwriting criteria.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 36 Months | 4.99% | $29.97 |
| Up to 48 Months | 4.99% | $23.02 |
| Up to 65 Months | 4.99% | $17.59 |
| Up to 72 Months | 5.49% | $16.33 |
| Up to 84 Months | 6.99% | $15.09 |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. For refinance of a DCU loan an administrative fee may apply. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment
Classic and Antique Auto Loan Rates
Certain Classic and Antique vehicles will require an appraisal to determine their value and may have loan-to-value restrictions.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 36 Months | 9.24% | $31.91 |
| Up to 48 Months | 9.24% | $25.00 |
| Up to 65 Months | 9.24% | $19.61 |
| Up to 72 Months | 10.24% | $18.65 |
| Up to 84 Months | 11.74% | $17.51 |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment
Street Motorcycle Loan Rates
Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 36 Months | 7.25% | $30.99 |
| Up to 48 Months | 7.50% | $24.18 |
| Up to 60 Months | 8.00% | $20.28 |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment
Off-Road Motorcycle Loan Rates
Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 36 Months | 10.85% | $32.67 |
| Up to 48 Months | 11.10% | $25.89 |
| Up to 60 Months | 11.35% | $21.92 |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment
Large Recreational Vehicle Loan Rates
Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 60 Months | 9.99% | $21.24 - (Minimum Loan Amount $5,000) |
| Up to 72 Months | 10.49% | $18.77 - (Minimum Loan Amount $15,000) |
| Up to 84 Months | 10.99% | $17.12 - (Minimum Loan Amount $15,000) |
| Up to 120 Months | 11.49% | $14.05 - (Minimum Loan Amount $25,000) |
| Up to 180 Months | 11.49% | $11.68 - (Minimum Loan Amount $50,000) |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment
Small Recreational Vehicle Loan Rates
Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 36 Months | 10.85% | $32.67 |
| Up to 48 Months | 11.10% | $25.89 |
| Up to 60 Months | 11.35% | $21.92 |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment
Boat Loan Rates
Rates listed for new or used boats, purchase or refinance. Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 60 Months | 9.99% | $21.24 - (Minimum Loan Amount $5,000) |
| Up to 72 Months | 10.49% | $18.77 - (Minimum Loan Amount $15,000) |
| Up to 84 Months | 10.99% | $17.12 - (Minimum Loan Amount $15,000) |
| Up to 120 Months | 11.49% | $14.05 - (Minimum Loan Amount $25,000) |
| Up to 180 Months | 11.49% | $11.68 - (Minimum Loan Amount $50,000) |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment
Mobility Vehicle Loan Rates
Rates listed for new or used vehicles and vehicle modifications to aid people with disabilities. Get up to 125% LTV (loan-to-value), subject to DCU's underwriting criteria.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 36 Months | 9.24% | $31.91 |
| Up to 48 Months | 9.24% | $25.00 |
| Up to 65 Months | 9.24% | $19.61 |
| Up to 72 Months | 10.24% | $18.65 |
| Up to 84 Months | 11.74% | $17.51 |
| Up to 120 Months | 11.74% | $14.20 |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles will differ. Collateral subject to review, DCU does not finance vehicles that are or have been a “Lemon Law Buyback” and/or “Salvage” title vehicle.
²EMP = Estimated Monthly Payment
Visa® Credit Cards
Visa Credit Card Rates
| Details | DCU Visa Platinum | DCU Visa Signature Cash Rewards | DCU Visa Platinum Secured |
|---|---|---|---|
| Lowest APR¹ for purchases | 13.25% | 16.00% | 16.25% |
| Lowest APR¹ for balance transfers | 13.25% | 16.00% | 16.25% |
| Lowest APR¹ for cash advances | 13.25% | 16.00% | 16.25% |
| Annual Fee | $0 | $0 | $0 |
| Balance Transfer Fee for each transaction | $0 | $0 | $0 |
| Cash Advance Fee for each transaction | $0 | $0 | $0 |
| Foreign Currency Transaction Fee for each transaction | $0 | $0 | $0 |
¹APR = Annual Percentage Rates are determined by your creditworthiness at time of opening. Rates are variable and will vary with the market based on the Prime Rate and can change monthly. Maximum rate is 18%. Please refer to DCU's VISA Credit Card Agreement for Consumers for full applicable terms and conditions.
Student Loans
Student Loans - Undergraduate and Graduate Rates - Fixed
No application fees and no prepayment penalties. The Annual Percentage Rate for our undergraduate and graduate private education line of credit will be fixed for the life of the loan.
| APR¹ |
|---|
| between 9.75% and 16.25% |
¹APR = Annual Percentage Rate. Rate is fixed and your rate and/or credit approval depends upon the credit qualifications of the student borrower or co-borrower (if applicable). Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.
Student Loans - Undergraduate and Graduate Rates - Variable
No application fees and no prepayment penalties. The Annual Percentage Rate (APR)¹ for our undergraduate and graduate private education line of credit is variable and is based on the Prime index² plus a margin.³
| APR¹ |
|---|
| between 8.00% and 14.25% |
¹The Annual Percentage Rate is subject to increase after consummation. The interest rate will be adjusted quarterly, based on changes to the index. The APR will not exceed 18.00% or fall below the Floor rate regardless of the Index or any additional rate discount. Any increase in the Index may increase the APR and the amount of your monthly payment.
²The "Index" for the quarter beginning October 1, 2023 is 8.50%, which was the Prime index published in the Wall Street Journal on the first business day of September 2023.
³Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval depends upon the credit qualifications of the student borrower and co-borrower (if applicable). Margin will be disclosed at account opening. Student borrowers may apply with a creditworthy co-borrower which may result in a better chance of approval and/or lower interest rate.
Student Loan Refinancing
Variable Rate Student Refinance Loan Rates
The APR is variable¹ and is based on the Prime index² plus a margin³. The rate you receive depends on your credit qualifications and the repayment term you select. The current offered variable rates are⁴:
| Repayment Term | APR¹ |
|---|---|
| 5-Year | between 7.50% and 12.25% |
| 10-Year | between 7.75% and 12.75% |
| 15-Year | between 8.50% and 13.25% |
¹Important: Please remember that federal loans do offer certain benefits and protections that do not transfer to a private loan. By refinancing your federal student loans to a private loan, you will lose any federal benefits that may apply to you. Please review this important disclosure for more information.
¹APR = Annual Percentage Rate is variable, subject to increase after consummation, and may be adjusted quarterly based on the Index. Any increase in the Index may increase the APR and may increase the amount of your monthly payment. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.
²The "Index" for the quarter beginning October 1, 2023 is 8.50%, which was the Prime index published in the Wall Street Journal on the first business day of September 2023. The interest rate will not exceed 18.00% regardless of the Index.
³Margin will be disclosed upon approval. This Margin is added to the Index to determine the calculated interest rate.
⁴Current offered rates are calculated using the Index, Margin, and Floor values in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval will depend upon the student borrower's and co-borrower's (if applicable) credit qualification. Applicants may apply with a creditworthy U.S. co-borrower which may result in a better chance of approval and/or lower interest rate.
All loans are subject to approval and restrictions may apply.
Repayment examples: Examples provided use highest current offered rate in effect for each repayment term and assume a constant interest rate on a $50,000 loan amount.
- Variable 5 Year: Your estimated monthly payments are $1,118.55 and you will pay $17,112.96 in interest over the life of the loan.
- Variable 10 Year: Your estimated monthly payments are $739.20 and you will pay $38,703.89 in interest over the life of the loan.
- Variable 15 Year: Your estimated monthly payments are $640.87 and you will pay $65,356.28 in interest over the life of the loan.
Fixed Rate Student Refinance Loan Rates
The APR is fixed¹ for the life of the loan. The rate you receive depends on your credit qualifications and the repayment term you select. The current offered fixed rates are:
| Repayment Term | APR¹ |
|---|---|
| 5-Year | between 8.50% and 13.25% |
| 10-Year | between 8.75% and 13.75% |
| 15-Year | between 9.50% and 14.25% |
¹Important: Please remember that federal loans do offer certain benefits and protections that do not transfer to a private loan. By refinancing your federal student loans to a private loan, you will lose any federal benefits that may apply to you. Please review this important disclosure for more information.
¹APR = Annual Percentage Rate is fixed and is based on your credit qualification and the repayment term you select. Your actual rate within the ranges stated will be disclosed upon approval. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.
All loans are subject to approval and restrictions may apply.
Repayment examples: Examples provided use highest current offered rate in effect for each repayment term and assume a constant interest rate on a $50,000 loan amount.
- Fixed 5 Year: Your estimated monthly payments are $1,144.06 and you will pay $18,643.77 in interest over the life of the loan.
- Fixed 10 Year: Your estimated monthly payments are $768.83 and you will pay $42,260.09 in interest over the life of the loan.
- Fixed 15 Year: Your estimated monthly payments are $674.29 and you will pay $71,372.17 in interest over the life of the loan.
Mortgage Loans
Purchase Fixed-Rate Mortgage Rates
The advertised rates are for conforming loans with an example loan amount of $350,000 and are based on the loan assumptions noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.
| Terms | Interest Rate | APR¹ | Points | EMP² per $1,000 |
|---|---|---|---|---|
| 30 Years Fixed | 6.250% | 6.439% | 1.625% | $6.16 |
| 20 Years Fixed | 6.000% | 6.184% | 1.125% | $7.16 |
| 15 Years Fixed | 5.625% | 5.795% | 0.750% | $8.24 |
| 10 Years Fixed | 5.625% | 5.866% | 0.750% | $10.91 |
¹APR = Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a purchase of a single-family, owner-occupied residence, with an LTV of 60% or less, a credit score of 740 or higher, based on a loan term displayed above, and the loan will be a first lien. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval, other conditions may apply.
²EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed.
Purchase Jumbo Fixed-Rate Mortgage Rates
The advertised rates are for non-conforming loans with an example loan amount of $850,000 and are based on the loan assumptions noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.
| Terms | Interest Rate | APR¹ | Points | EMP² per $1,000 |
|---|---|---|---|---|
| Jumbo 30 Years Fixed | 6.250% | 6.419% | 1.625% | $6.16 |
| Jumbo 20 Years Fixed | 6.000% | 6.159% | 1.125% | $7.16 |
| Jumbo 15 Years Fixed | 5.625% | 5.763% | 0.750% | $8.24 |
| Jumbo 10 Years Fixed | 5.625% | 5.822% | 0.750% | $10.91 |
¹APR = Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a purchase of a single-family, owner-occupied residence, with an LTV of 60% or less, a credit score of 740 or higher, based on a loan term displayed above, and the loan will be a first lien. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval, other conditions may apply.
²EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed.
Purchase Adjustable Rate Mortgage (ARM) Rates
The advertised rates are for conforming loans with a loan example of $350,000 and are based on the loan assumptions noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.
| ARM Program¹ | Initial Interest Rate Period | Initial Interest Rate | APR² | Points | Initial Rate Period # Monthly Payments | Initial Rate Period EMP Per $1000³ | Fully Indexed Rate | Fully Indexed Rate # Monthly Payments | Fully Indexed Rate EMP Per $1000³ |
|---|---|---|---|---|---|---|---|---|---|
| 5yr/6mo ARM | 5-Years | 6.875% | 7.499% | 0.750% | 60 | $6.57 | 7.750% | 300 | $7.10 |
| 7yr/6mo ARM | 7-Years | 7.500% | 7.728% | 0.750% | 84 | $6.99 | 7.750% | 276 | $7.21 |
| 10yr/6mo ARM | 10-Years | 7.875% | 8.004% | 1.250% | 120 | $7.25 | 7.750% | 240 | $7.24 |
¹ARM loans are variable rate loans, interest rates and payments may increase after consummation. Rates and payments will remain the same for the first 5, 7, or 10 years and then can adjust to a new rate and payment every 6 months based on a current index, depending on the ARM program you choose. For example, if you select the 5yr/6mo ARM program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5yr/6mo), after that the interest rate and payment could change every 6 months for the remainder of the mortgage's term (the 6 in 5yr/6mo).
²APR = Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a purchase of a single-family, owner-occupied residence, with an LTV of 60% or less, credit score of 740 or higher, based on an ARM program displayed above, and the loan will be a first lien. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval, other conditions may apply.
³EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed.
Purchase Jumbo Adjustable Rate Mortgage (ARM) Rates
The advertised rates are for non-conforming loans with a loan amount of $850,000 and are based on the loan assumptions noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.
| ARM Program¹ | Initial Interest Rate Period | Initial Interest Rate | APR² | Points | Initial Rate Period # Monthly Payments | Initial Rate Period EMP Per $1000³ | Fully Indexed Rate | Fully Indexed Rate # Monthly Payments | Fully Indexed Rate EMP Per $1000³ |
|---|---|---|---|---|---|---|---|---|---|
| Jumbo 5yr/6mo | 5-Years | 6.875% | 7.464% | 0.750% | 60 | $6.57 | 7.750% | 300 | $7.10 |
| Jumbo 7yr/6mo | 7-Years | 7.500% | 7.693% | 0.750% | 84 | $6.99 | 7.750% | 276 | $7.21 |
| Jumbo 10yr/6mo | 10-Years | 7.875% | 7.968% | 1.250% | 120 | $7.25 | 7.750% | 240 | $7.24 |
¹ARM loans are variable rate loans, interest rates and payments may increase after consummation. Rates and payments will remain the same for the first 5, 7, or 10 years and then can adjust to a new rate and payment every 6 months based on a current index, depending on the ARM program you choose. For example, if you select the 5yr/6mo ARM program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5yr/6mo), after that the interest rate and payment could change every 6 months for the remainder of the mortgage's term (the 6 in 5yr/6mo).
²APR = Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a purchase of a single-family, owner-occupied residence, with an LTV of 60% or less, credit score of 740 or higher, based on an ARM program displayed above, and the loan will be a first lien. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval, other conditions may apply.
³EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed.
Refinance Fixed-Rate Mortgage Rates
The advertised rates are for conforming loans with an example loan amount of $350,000 and are based on the loan assumptions noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.
| Terms | Interest Rate | APR¹ | Points | EMP² per $1,000 |
|---|---|---|---|---|
| 30 Years Fixed | 6.250% | 6.439% | 1.625% | $6.16 |
| 20 Years Fixed | 6.000% | 6.184% | 1.125% | $7.16 |
| 15 Years Fixed | 5.625% | 5.795% | 0.750% | $8.24 |
| 10 Years Fixed | 5.625% | 5.866% | 0.750% | $10.91 |
¹APR = Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a first lien rate & term (no cash-out) refinance loan for a single-family, owner-occupied residence, with an LTV of 60% or less, credit score of 740 or higher, and based on a loan term displayed above. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval, other conditions may apply.
²EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed.
Refinance Jumbo Fixed-Rate Mortgage Rates
The advertised rates are for non-conforming loans with an example loan amount of $850,000 and are based on the loan assumptions noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.
| Terms | Interest Rate | APR¹ | Points | EMP² per $1,000 |
|---|---|---|---|---|
| Jumbo 30 Years Fixed | 6.250% | 6.419% | 1.625% | $6.16 |
| Jumbo 20 Years Fixed | 6.000% | 6.159% | 1.125% | $7.16 |
| Jumbo 15 Years Fixed | 5.625% | 5.763% | 0.750% | $8.24 |
| Jumbo 10 Years Fixed | 5.625% | 5.822% | 0.750% | $10.91 |
¹APR = Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a first lien rate & term (no cash-out) refinance loan for a single-family, owner-occupied residence, with an LTV of 60% or less, credit score of 740 or higher, and based on a loan term displayed above. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval, other conditions may apply.
²EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed.
Refinance Adjustable Rate Mortgage (ARM) Rates
The advertised rates are for conforming loans with an example loan amount of $350,000 and are based on the loan assumptions noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.
| ARM Program¹ | Initial Interest Rate Period | Initial Interest Rate | APR² | Points | Initial Rate Period # Monthly Payments | Initial Rate Period EMP Per $1000³ | Fully Indexed Rate | Fully Indexed Rate # Monthly Payments | Fully Indexed Rate EMP Per $1000³ |
|---|---|---|---|---|---|---|---|---|---|
| 5yr/6mo ARM | 5-Years | 6.875% | 7.499% | 0.750% | 60 | $6.57 | 7.750% | 300 | $7.10 |
| 7yr/6mo ARM | 7-Years | 7.500% | 7.728% | 0.750% | 84 | $6.99 | 7.750% | 276 | $7.21 |
| 10yr/6mo ARM | 10-Years | 7.875% | 8.004% | 1.250% | 120 | $7.25 | 7.750% | 240 | $7.24 |
¹ARM loans are variable rate loans, interest rates and payments may increase after consummation. Rates and payments will remain the same for the first 5, 7, or 10 years and then can adjust to a new rate and payment every 6 months based on a current index, depending on the ARM program you choose. For example, if you select the 5yr/6mo ARM program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5yr/6mo), after that the interest rate and payment could change every 6 months for the remainder of the mortgage's term (the 6 in 5yr/6mo).
²APR = Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a first lien rate & term (no cash-out) refinance loan for a single-family, owner-occupied residence, with an LTV of 60% or less, credit score of 740 or higher, and based on an ARM program displayed above. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval, other conditions may apply.
³EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed.
Refinance Jumbo Adjustable Rate Mortgage (ARM) Rates
The advertised rates are for non-conforming loans with an example loan amount of $850,000 based on the loan assumptions noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.
| ARM Program¹ | Initial Interest Rate Period | Initial Interest Rate | APR² | Points | Initial Rate Period # Monthly Payments | Initial Rate Period EMP Per $1000³ | Fully Indexed Rate | Fully Indexed Rate # Monthly Payments | Fully Indexed Rate EMP Per $1000³ |
|---|---|---|---|---|---|---|---|---|---|
| Jumbo 5yr/6mo | 5-Years | 6.875% | 7.464% | 0.750% | 60 | $6.57 | 7.750% | 300 | $7.10 |
| Jumbo 7yr/6mo | 7-Years | 7.500% | 7.693% | 0.750% | 84 | $6.99 | 7.750% | 276 | $7.21 |
| Jumbo 10yr/6mo | 10-Years | 7.875% | 7.968% | 1.250% | 120 | $7.25 | 7.750% | 240 | $7.24 |
¹ARM loans are variable rate loans, interest rates and payments may increase after consummation. Rates and payments will remain the same for the first 5, 7, or 10 years and then can adjust to a new rate and payment every 6 months based on a current index, depending on the ARM program you choose. For example, if you select the 5yr/6mo ARM program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5yr/6mo), after that the interest rate and payment could change every 6 months for the remainder of the mortgage's term (the 6 in 5yr/6mo).
²APR = Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a first lien rate & term (no cash-out) refinance loan for a single-family, owner-occupied residence, with an LTV of 60% or less, credit score of 740 or higher, and based on an ARM program displayed above. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval, other conditions may apply.
³EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed.
Fixed-Rate Home Equity Loan Rates – Second Lien Position
The advertised rates are the lowest available rates based on the loan assumptions noted below. They are for primary residences with a combined loan-to-value (CLTV) of up to 60% of the home’s market value and for loans in 2nd lien position only.
| Terms | Rate | APR¹ | EMP² per $1,000 |
|---|---|---|---|
| Up to 5 Years | 7.240% | 7.882% | $19.91 |
| Up to 10 Years | 7.490% | 7.837% | $11.86 |
| Up to 15 Years | 7.740% | 7.991% | $9.41 |
| Up to 20 Years | 7.990% | 8.195% | $8.36 |
¹APR = Annual Percentage Rates and interest rates are based on our current pricing and are subject to change any time without notice. Rates are determined by creditworthiness, combined loan-to value (CLTV), loan term, occupancy status, property type, property location and lien position so your rate could be higher. Advertised rates are based on a set of loan assumptions (a credit score of 760 or higher, CLTV of 60% or less of the home’s market value, a loan term as displayed above, an owner-occupied, single-family residence in second lien position located in Massachusetts). Property and flood insurance (where applicable) may be required for the life of the loan. Additional loan programs are available. All loans are subject to approval, other conditions may apply.
²EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.
Fixed-Rate Home Equity Loan Rates – Second Lien Position
The advertised rates are the lowest available rates based on the loan assumptions noted below. They are for primary residences with a combined loan-to-value (CLTV) of up to 90% of the home’s market value and for loans in 2nd lien position only.
| Terms | Rate | APR¹ | EMP² per $1,000 |
|---|---|---|---|
| Up to 5 Years | 7.990% | 8.637% | $20.27 |
| Up to 10 Years | 8.240% | 8.592% | $12.26 |
| Up to 15 Years | 8.490% | 8.747% | $9.84 |
| Up to 20 Years | 8.740% | 8.952% | $8.83 |
¹APR = Annual Percentage Rates and interest rates are based on our current pricing and are subject to change any time without notice. Rates are determined by creditworthiness, combined loan-to value (CLTV), loan term, occupancy status, property type, property location and lien position so your rate could be higher. Advertised rates are based on a set of loan assumptions (a credit score of 760 or higher, CLTV of 90% or less of the home’s market value, a loan term as displayed above, an owner-occupied, single-family residence in second lien position located in Massachusetts). Property and flood insurance (where applicable) may be required for the life of the loan. Additional loan programs are available. All loans are subject to approval, other conditions may apply.
²EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.
Fixed-Rate Home Equity Loan Rates – First Lien Position
The advertised rates are the lowest available rates based on the loan assumptions noted below. They are for primary residences with a combined loan-to-value (CLTV) of up to 60% of the home’s market value and for loans in 1st lien position only.
| Terms | Rate | APR¹ | EMP² per $1,000 |
|---|---|---|---|
| Up to 5 Years | 6.240% | 6.876% | $19.44 |
| Up to 10 Years | 6.490% | 6.831% | $11.35 |
¹APR = Annual Percentage Rates and interest rates are based on our current pricing and are subject to change any time without notice. Rates are determined by creditworthiness, combined loan-to value (CLTV), loan term, occupancy status, property type, property location and lien position so your rate could be higher. Advertised rates are based on a set of loan assumptions (a credit score of 760 or higher, CLTV of 60% or less of the home’s market value, a loan term as displayed above, an owner-occupied, single-family residence in first lien position located in Massachusetts). Property and flood insurance (where applicable) may be required for the life of the loan. Additional loan programs are available. All loans are subject to approval, other conditions may apply.
²EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.
Home Equity Line of Credit (HELOC) Rate
| Rate Index and Margin | APR¹ |
|---|---|
| As Low As Prime -0.00% | 7.750% |
¹APR = Annual Percentage Rate is variable, tied to the Wall Street Journal Prime Rate, the index, (currently 7.75% as of November 8, 2024) plus or minus a margin, and can change monthly. There is a minimum rate of 3.00% APR and a maximum rate of 18% APR. HELOCs have a 40-year term (20-year draw period with interest only payments followed by 20-year repayment period with principal and interest payments). Advertised rate uses a margin of 0.00% and is based on a set of loan assumptions (a credit score of 760 or higher, CLTV of 60% or less, single-family owner-occupied residence, is second lien position). To open a line of credit you must pay the following fee to us prior to closing; a $300 Application Fee, you may also have to pay certain fees to third parties at closing, unless otherwise noted, these fees generally total between $0 and $3,500.00. If you ask, we will give you an itemization of the fees you may have to pay to third parties. Property and flood insurance (where applicable) may be required for the life of the loan. All loans are subject to approval, other conditions may apply.
Please refer to DCU's Early Federal Disclosure for more information on Home Equity rates, including historical rate examples. You may obtain this information by contacting DCU.
Personal Loans
Traditional Signature Loans
Use for large purchases or to consolidate debt.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 60 Months | 11.99% | $22.24 |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Credit and collateral are subject to approval.
²EMP = Estimated Monthly Payment
*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.
Credit Builder Loans
Build or rebuild your credit rating as you build savings. Borrow from $500 to $3,000 for 12 to 24 months.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 24 Months | 5.00% | $43.87 - (Maximum Loan Amount $3,000) |
¹APR = Annual Percentage Rate. Rates listed are for this product only and are subject to change at any time.
²EMP = Estimated Monthly Payment
Savings Secured Loans
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 120 Months | 3.50% | $9.89 |
¹APR = Annual Percentage Rate. Rates listed are for this product only and are subject to change at any time.
²EMP = Estimated Monthly Payment
*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.
Certificate-Secured Loans
| Terms | APR |
|---|---|
| Up to 60 Months Term¹ | Certificate Dividend Rate + 3.00% |
¹The Annual Percentage Rate (APR) will be the dividend rate of the certificate securing the loan + 3%. For example, a certificate-secured loan secured by a 60-month certificate with a dividend rate of 0.90% will have an APR of 3.90%. The estimated monthly payment on a 48-month certificate-secured loan with an APR of 3.90% would be $22.53 per $1,000 borrowed. Loan must be paid in full prior to the certificate maturity date. Certificate rate used in this example is for illustrative purposes only and is subject to change at any time. See dcu.org for current certificate rates.
Quick Loan Rates
Get the cash you need fast.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 12 Months | 17.99% | $91.68 |
¹APR = Annual Percentage Rate. Rates listed are for this product only and are subject to change at any time.
²EMP = Estimated Monthly Payment
Quick Loan Eligibility Requirements: In order to be eligible for a Quick Loan a DCU Membership must be established for at least 180 days for amounts of $200 up to $2000. Additionally, a member cannot have more than one Quick Loan open at the same time and can have no more than 3 Quick Loans in a 180-day period. Other conditions may apply.
Energy Efficient Loan – Fixed Rate
For adding insulation, upgrading your home's heating system, adding a pellet or wood-burning stove, adding storm windows and doors.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 60 Months | 8.75% | $20.64 |
¹APR = Annual Percentage Rates listed are for this product only and are subject to change at any time. Rates are determined by your personal credit history. Must qualify for an unsecured loan.
²EMP = Estimated Monthly Payment
*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.
Fuel Assistance Loan – Fixed Rate
For oil, gas, propane, electric heat, pellets, or firewood used for home heating. Maximum loan up to $3,000.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 12 Months | 8.25% | $87.10 |
¹APR = Annual Percentage Rates listed are for this product only and are subject to change at any time. Member must qualify for unsecured loan. Only one Fuel Assistance Loan allowed at one time.
²EMP = Estimated Monthly Payment
*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.
Access Loan Rates
Qualified members may obtain Access Loans, for 100% of the purchase amount, from $1,000 to $25,000 and with terms up to 72 months.
| Terms | APR¹ | EMP² Per $1,000 |
|---|---|---|
| Up to 36 Months | 10.85% | $32.67 |
| Up to 48 Months | 11.10% | $25.89 |
| Up to 60 Months | 11.35% | $21.92 |
| Up to 72 Months | 12.60% | $19.86 |
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefits Level, and payment method, your rate may differ. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, social security, or other monthly income) to your checking account, excluding HSA Checking Accounts and pay your loan electronically. Social Security is exempt from the $500 per calendar month minimum. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Credit and collateral are subject to approval.
²EMP = Estimated Monthly Payment
*In response to the COVID-19 outbreak and as part of the DCU Cares Program, for Loans opened after 3/25/2020, and until further notice, DCU is offering the option to take advantage of no payments for the first 60 days after the closing of the loan. Interest will begin accruing on the date the loan is funded. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due.
Checking Accounts
Free Checking with Earn More
Save, spend, and earn in one account.
| Minimum Daily Balance to earn | Dividend Rate | APY¹ |
|---|---|---|
| Up to and including the first $1,000 | 0.20% | 0.20% |
| 1,000.01 and above | 0.00% | 0.20%-0.000% |
¹APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at DCU’s discretion. APY range assumes a maximum account balance of $1,000,000.00 and is for illustration purposes only. Fees may reduce earnings. Other conditions may apply.
The Earn More Feature is activated the first of the month following the month enrollment took place and funds begin to earn interest on the first of the month following enrollment. The Earn More Feature can only be added to one checking account per membership, excluding HSA Checking accounts. The Earn More Feature is a sweep feature, which means that balances up to the Maximum Program Deposit Amount ($1,000.00) will be automatically swept to FDIC and/or NCUA insured accounts held at participating Receiving Financial Institutions. Access to your checking account funds remains the same. Balances that exceed the Maximum Program Deposit Amount will remain in the DCU Free Checking Account at DCU. The Maximum Program Deposit Amount and Receiving Financial Institutions may be changed at any time. To review the list of the current Receiving Financial Institutions and the current Maximum Program Deposit Amount, click here. Please refer to DCU's Free Checking with Earn More Feature Terms and Conditions, Account Agreement for Consumers, and Schedule of Fees and Service Charges, for additional important information and disclosures
This DCU Free Checking with Earn More Feature Rate Sheet is incorporated into the DCU Free Checking with Earn More Feature Terms and Conditions. Review the Free Checking with Earn More Feature Terms and Conditions for important information regarding the Free Checking with Earn More Feature.
HSA¹ Checking
Offers a tax advantage to help offset healthcare expenses.
| Minimum Daily Balance to earn | Dividend Rate | APY² |
|---|---|---|
| $100,000 or more | 0.10% | 0.10% |
| $50,000 to $99,999.99 | 0.10% | 0.10% |
| $25,000 to $49,999.99 | 0.10% | 0.10% |
| $10,000 to $24,999.99 | 0.10% | 0.10% |
| $1,000 to $9,999.99 | 0.10% | 0.10% |
| less than $1,000 | 0.10% | 0.10% |
¹HSA = Health Savings Account transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.
²APY = Annual Percentage Yield. Rates are variable, may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.
Savings Accounts
Primary Savings
| Minimum Daily Balance to earn | Dividend Rate | APY¹ |
|---|---|---|
| On remaining balance | 0.05% | 6.17% - 0.05% |
| Up to and including the first $1,000.00 | 6.00% | 6.17% |
¹APY = Annual Percentage Yield. Requires a $5.00 minimum balance to open the account and remain on deposit to maintain membership status. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. One Primary Savings account per person, additional memberships receive one savings account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges , for important information and disclosures.
Advantage Savings
| Minimum Daily Balance to Earn | Dividend Rate | APY¹ |
|---|---|---|
| No minimum | 3.50% | 3.56% |
¹APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Dividends compounded and credited monthly. Fees may reduce earnings on the account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, Business Account Agreement, and Schedule of Fees and Service Charges for additional important information and disclosures.
SMART SAVINGS
Federally insured up to $3 million | $0.00 minimum to open | $0.00 minimum to earn
| Minimum Daily Balance to Earn | Dividend (Interest) Rate | APY¹ |
|---|---|---|
| No minimum | 1.50% | 1.51% |
¹APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account.
Smart Savings is a sweep account, which means that balances in excess of $250,000 and up to the Maximum Program Deposit Amount (currently $2,750,000.00) will be automatically swept to FDIC and/or NCUA-insured accounts held at participating Receiving Financial Institutions. Balances that exceed the Maximum Program Deposit Amount will remain in the Smart Savings Account at DCU. The same Dividend (Interest) Rate and APY apply to the entire account balance (including funds that remain in the Smart Savings Account). The Maximum Program Deposit Amount and Receiving Financial Institutions may be changed at any time. To review the list of the current Receiving Financial Institutions and the current Maximum Program Deposit Amount, visit the Smart Savings Account page.
This DCU Smart Savings Rate Sheet is incorporated into the Smart Savings Terms and Conditions. Please refer to DCU’s Smart Savings Terms and Conditions, DCU’s Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.
Money Market Savings
$1,000 minimum balance to earn dividends. Tiers based on daily balances.
| Minimum Daily Balance to earn | Dividend Rate | APY¹ |
|---|---|---|
| $100,000.00 or more | 3.25% | 3.30% |
| $50,000.00 to $99,999.99 | 1.75% | 1.77% |
| $25,000.00 to $49,999.99 | 1.75% | 1.77% |
| $10,000.00 to $24,999.99 | 1.70% | 1.71% |
| $1,000.00 to $9,999.99 | 1.70% | 1.71% |
¹APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.
Member Described Savings
| Minimum Daily Balance to earn | Dividend Rate | APY¹ |
|---|---|---|
| On $100+ daily balance | 0.15% | 0.15% |
¹APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.
Certificate Accounts
REGULAR CERTIFICATE RATES AND QUICKSTART CERTIFICATE RATES
Minimum balance of $500 to open. Minimum daily balance of $500 to earn APY¹ | $100 for QuickStart Certificates to open and earn.
| Term | Dividend Rate | APY¹ |
|---|---|---|
| 60 Months | 3.34% | 3.40% |
| 48 to 59 Months | 3.39% | 3.45% |
| 36 to 47 Months | 3.49% | 3.55% |
| 24 to 35 Months | 3.68% | 3.75% |
| 12 to 23 Months | 3.92% | 4.00% |
| 6 to 11 Months | 4.16% | 4.25% |
| 3 to 5 Months | 4.40% | 4.50% |
¹APY = Annual Percentage Yield. Rates are variable and are subject to change at any time at DCU’s discretion. The rate will remain in effect for the term of the certificate once issued. QuickStart Certificates are for members under age 23. Dividends compounded daily, credited monthly. A penalty may be imposed for early withdrawal. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.
Add-on Feature – You can make unlimited add-ons to your certificate principal on all Regular Certificates with terms of 12 months or less, anytime throughout the term. Minimum add-on $100. An add-on before maturity does not affect your dividend rate.
Jumbo Certificate Rates
Minimum balance of $25,000 to open. Minimum daily balance of $25,000 to earn APY¹
| Term | Dividend Rate | APY¹ |
|---|---|---|
| 60 Months | 3.59% | 3.65% |
| 48 to 59 Months | 3.63% | 3.70% |
| 36 to 47 Months | 3.73% | 3.80% |
| 24 to 35 Months | 3.92% | 4.00% |
| 12 to 23 Months | 4.16% | 4.25% |
| 6 to 11 Months | 4.40% | 4.50% |
| 3 to 5 Months | 4.64% | 4.75% |
¹APY = Annual Percentage Yield. Rates are variable and may change at any time at DCU’s discretion. The rate will remain in effect for the term of the certificate once issued. Dividends compounded daily, credited monthly. A penalty may be imposed for early withdrawal. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.
Add-on Feature – You can make unlimited add-ons to your certificate principal on all certificates with terms of 12 months or less, anytime throughout the term. Minimum add-on $100. An add-on before maturity does not affect your dividend rate.
Jump-Up Regular Certificate Rates
Jump the rate up one time per term – you decide when | Minimum balance of $500.00 to open. Minimum daily balance of $500.00 to earn APY¹
| Term | Dividend Rate | APY¹ |
|---|---|---|
| 27 Months | 3.68% | 3.75% |
| 15 Months | 3.92% | 4.00% |
¹APY = Annual Percentage Yield. Rates are variable and may change at any time at DCU’s discretion. The rate will remain in effect for the term of the certificate once issued, unless you decide to jump up the rate once during the term of the certificate. Dividends compounded daily, credited monthly. A penalty may be imposed for early withdrawal. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.
Jump-Up Jumbo Certificate Rates
Jump the rate up one time per term – you decide when | Minimum balance of $25,000 to open. Minimum daily balance of $25,000 to earn APY¹
| Term | Dividend Rate | APY¹ |
|---|---|---|
| 27 Months | 3.92% | 4.00% |
| 15 Months | 4.16% | 4.25% |
¹APY = Annual Percentage Yield. Rates are variable and may change at any time at DCU’s discretion. The rate will remain in effect for the term of the certificate once issued, unless you decide to jump up the rate once during the term of the certificate. Dividends compounded daily, credited monthly. A penalty may be imposed for early withdrawal. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.
Early Closing Penalties for Certificates
| Length | Penalty |
|---|---|
| 3-11 months | 60 days' dividend |
| 12-35 months | 90 days' dividend |
| 36-60 months | 180 days' dividend |
The same penalties apply on amounts prematurely withdrawn from a Certificate. Jump-Up Certificate early withdrawal penalties will be calculated at the rate being earned at the time of withdrawal.
Retirement Accounts
Certificate IRA Rates
May be used for Traditional, Roth, SEP, and SIMPLE accounts. | Minimum balance of $500.00 to open. Minimum daily balance of $500.00 to earn APY¹
| Term | Dividend Rate | APY¹ |
|---|---|---|
| 60 months | 3.34% | 3.40% |
| 48 to 59 months | 3.39% | 3.45% |
| 36 to 47 months | 3.49% | 3.55% |
| 24 to 35 months | 3.68% | 3.75% |
| 12 to 23 months | 3.92% | 4.00% |
| 6 to 11 months | 4.16% | 4.25% |
| 3 to 5 months | 4.40% | 4.50% |
¹APY = Annual Percentage Yield. Rates are variable and are subject to change weekly. The rate will remain in effect for the term of the certificate once issued. Dividends compounded daily, credited monthly. A penalty may be imposed for early withdrawal. Early withdrawal may also result in tax implications. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.
IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.
Jump-Up Certificate IRA Rates
Jump the rate up one time per term – you decide when | Minimum balance of $500.00 to open. Minimum daily balance of $500.00 to earn APY¹
| Term | Dividend Rate | APY¹ |
|---|---|---|
| 27 months | 3.68% | 3.75% |
| 15 months | 3.92% | 4.00% |
¹APY = Annual Percentage Yield. Rates are variable and are subject to change weekly. The rate will remain in effect for the term of the certificate once issued, unless you decide to jump up the rate once during the term of the certificate. Dividends compounded daily, credited monthly. A penalty may be imposed for early withdrawal. Early withdrawal may also result in tax implications. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.
IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.
Early Certificate IRA Closing Penalties
| Length | Penalty |
|---|---|
| 3-11 months | 60 days' dividend |
| 12-35 months | 90 days' dividend |
| 36-60 months | 180 days' dividend |
The same penalties apply on amounts prematurely withdrawn from a Certificate. IRS penalties may apply on IRA Certificate withdrawals. Jump-Up Certificate early withdrawal penalties will be calculated at the rate being earned at the time of withdrawal.
IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.
Money Market IRA Rates
May be used for Traditional, Roth, SEP, and SIMPLE accounts.
| Minimum Daily Balance to earn | Dividend Rate | APY¹ |
|---|---|---|
| $100,000.00 or more | 3.25% | 3.30% |
| $50,000.00 to $99,999.99 | 1.75% | 1.77% |
| $25,000.00 to $49,999.9 | 1.75% | 1.77% |
| $10,000.00 to $24,999.99 | 1.70% | 1.71% |
| $1,000.00 to $9,999.99 | 1.70% | 1.71% |
¹APY = Annual Percentage Yield. Rates are variable and may change after the account is opened and are subject to change weekly. Fees may reduce earning on the account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.
IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.
Savings IRA Rates
May be used for Traditional, Roth, SEP, and SIMPLE accounts.
| Minimum Daily Balance to earn | Dividend Rate | APY¹ |
|---|---|---|
| No Minimum Balance | 0.20% | 0.20% |
¹APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at DCU’s discretion. There is a $10.00 minimum to open the account. Fees may reduce earnings on the account. Early withdrawal may result in tax implications. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures.
IRA transactions are subject to IRS rules and regulations. To review these rules and regulations, click here.
Business Services
Free Business Checking with Business Earn More¹
An account that works for you.
| Minimum Daily Balance to earn | Interest/Dividend Rate |
|---|---|
| $0.01 | 0.10% |
¹ Business Earn More is a sweep feature, which means that eligible balances up to the Maximum Program Deposit Amount (currently $2,750,000.00) will be automatically swept to FDIC and/or NCUA-insured accounts held at participating Receiving Financial Institutions. Balances that exceed the Maximum Program Deposit Amount will remain in the Business Checking Account at DCU. You will still have access to your Free Business Checking account funds. The Business Earn More feature is only available for one Free Business Checking account per membership. The Maximum Program Deposit Amount and Receiving Financial Institutions may be changed at any time. To review the list of the current Receiving Financial Institutions and the current Maximum Program Deposit Amount, visit https://www.dcu.org/bank/business-services/free-business-checking.html
²APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Interest and/or dividends begin to accrue no later than the “day of deposit” (as this term is defined in DCU’s Business Account Agreement). The same Interest (Dividend) Rate and APY apply to the entire account balance (including funds that remain in the Business Checking Account). Fees or other conditions may reduce earnings.
This DCU Business Earn More feature Rate Sheet is incorporated into the Business Earn More Terms and Conditions. Please refer to DCU's Business Account Agreement, and Schedule of Fees and Service Charges, for important information and disclosures regarding your Free Business Checking account and to DCU's Business Earn More Feature Terms and Conditions for additional terms and conditions on the Business Earn More feature.
Business Accounts Deposit Fees
| Item | Fee |
|---|---|
| 20 Items or Less | FREE |
| Over 20 Items | $ .10/item |
For a complete listing of all of DCU’s fees and service charges, please see the Schedule of Fees and Service Charges.
Visa Business Credit Card Rates
| Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances: DCU Visa Business Platinum Credit Cards (Business Basic or Business Plus) | As low as 9.99% Prime¹ Plus 5.00% (minimum APR 9.99%) (See Variable Rate Information below) |
|---|---|
| Variable-Rate Information | Your APR may change monthly. The rate for purchases, cash advances, and balance transfers is determined by adding a "margin" ranging from 5.00% to 13.00% (based upon your credit history) to the Prime Rate.¹ |
| Cash Advance Transaction fee | None. There is no grace period on cash advances. |
| Grace Period for Repayment of NEW Purchases | Not less than 25 days on new purchase amounts if the total New Balance is paid in full each month by the Payment Due Date on your billing statement and there is no cash advance activity. |
| Minimum Payment | "Required Payment Due" shown on my statement. |
| Annual Fees | NONE |
| Payment Processing | Payments received by 4 p.m. Eastern time will be credited to your account the next business day. Payments received after 4 p.m. Eastern time will be credited to your account the second business day. |
| Payments | Mail - Address noted on the statement In Person - Any DCU branch Online scheduled payments through MyCardInfo (Business Plus Only) |
| Minimum Finance Charge | NONE |
| Foreign Currency Transaction Fee | A separate Visa International Service Assessment (ISA) Fee of 2% will apply for each foreign currency transaction. The ISA fee will be charged directly to you and will appear on your statement as an additional charge. |
| Overdraft Protection | DCU Visa Business Platinum Credit Card (Business Basic only) can be used for overdraft protection. |
| Various Fees | Balance Transfer fee: NONE Late Payment fee: Up to $45.00 per occurrence Overlimit fee: Up to $45.00 per occurrence Return check fee: Up to $25.00 per occurrence Replacement fee: Up to $25 Rush Fee per card: Up to $45 Same day Rush Fee per card: Up to $75 Statement copy request: Up to $2
|
¹The Prime Rate used to determine your Annual Percentage Rate (APR) is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceding the start of each billing cycle.
At any time your Account becomes sixty (60) days past due in any 24 month period, FINANCE CHARGES on the entire balance will be calculated at the Penalty Pricing Rate of 18% APR. Please contact us at any branch, by email, or by calling 800.328.8797 if you wish to ascertain what changes, if any, have been made to DCU Visa Business Platinum Credit Cards.
853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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Federally insured by NCUA
