Today's rates.

At DECU we are proud to offer Best in Market rates on our loan products based on a weekly Market Rate Survey by www.Rate-Watch.com and www.BankRate.com. Connect with a DECU representative today to talk more about how a DECU loan could support you today!

New Auto/Motorcycle Loans | Model Year 2015 - Current Year | New/Refinance

*Model years 2015 – current year qualify year for “New” rate. Term is based on vehicle value & amount financed. Rates determined by individual credit score. The “As Low As” rates quoted here are for credit scores of 700+. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. Max. secured loan amount with DECU is $180,000. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

**Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.

 

Used Auto/Motorcycle Loans | Model Year 2009-2014*

*Model years 2009 – 2014 qualify for “Used” rate. Term is based on vehicle value & amount financed. Rates determined by individual credit score.

**The “As Low As” rates quoted here are for credit scores of 700+. Subject to credit approval. Rates, terms, & conditions subject to change at any time. The min. loan amount is $500. Max secured loan amount with DECU is $180,000. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

‡Payments listed are only examples. Payment examples are based off a used auto loan with the term and APR listed above calculating the payment per $1,000.

 

General Secured | Motorhomes, ATVs, Boats, Older Autos

*Term is based on value of the vehicle & amount financed. Rates are subject to individual credit scores. The “As Low As” rates quoted are for credit scores of 700+. Rates, terms, & conditions subject to change at any time. The min. loan amount is $500. Max. secured loan amount with DECU is $180,000. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

‡Payments listed are only examples. Payment examples are based off a general secured loan with the APR listed above calculating the payment per $1,000 with the follow length of terms: New: 2015-current year at 60 months, New: 2015-current year at 72 months, Used: 2009-2014 at 60 months, & Used: 2008 and older at 60 months.

Payment Saver Auto Loan | Model Year 2014 - 2019

*Term is based on value of vehicle and amount financed. Rates subject to individual credit scores.  The as low as rates are for credit scores 700+. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).
**Minimum loan amount of $15,000 for vehicles financed with 60 to 72 month loan terms.
Other fees and conditions may apply. See Payment Saver Loan for more details.

We also offer 7/1 ARM 15 year and 5/1 ARM 15 year mortgages, contact us or apply to receive rates.

*Annual Percentage Rates (APRs). Rates quoted are based on a new purchase amount of $200,000, loan-to-value of 75%, primary residence and a credit score of 740 or higher. All interest rates, APRs, and cost are indications only and are subject to change without notice. Contact your DECU Mortgage Loan Originator for more information.

**Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. The payment listed based on borrowing $150,000 amortized over 30 years. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount.

^Adjustable Rate Mortgages are subject to change and may increase following the conclusion of the fixed period stated above. Rates, terms and conditions subject to change at any time.

*APR=Annual Percentage Rate.
**Interest rates determined by individual credit history. The “As Low As” rates quoted here are for credit scores of 700+. Rates, terms, & conditions subject to change at any time. The rate listed indicates automatic payment made electronically (not using cash, coupon book or check mailed to credit union to repay your loan). Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method).

The min. loan amount is $500. Max. unsecured loan amount (HELOC, personal loans, credit cards & unsecured home equity loans) with DECU is $75,000.

*APR=Annual Percentage Rate. CLTV = Combined Loan to Value. Rates, terms, & conditions are subject to change at any time. The “As Low As” rates quoted here are for credit scores of 700+. All home equity loans valid for loan amounts up to $50,000.

‡Payments listed are only examples. Payment examples are based off a home equity loan with a 60 month term & APR listed above calculating the payment per $1,000. All home equity loans require homeowners insurance. Flood insurance required for properties in a flood zone. Tax & insurance are not included in the payment the acutal payment obligation will be greater.

**The APR for the Line of Credit is variable & may change after the account is opened. Max. rate is 18% APR. Fees for a Line of Credit include: application fee of $150 unless initial draw is $10,000 or more & a balance of $5,000 is maintained for the first year; appraisal fee may apply & range from $250 – $500; some states may charge an Intangible or Mortgage Registration Tax. This cost varies depending on the state.

*APR=Annual Percentage Rate. Interest rates determined by individual credit history. The “As Low As” rates quoted here are for credit scores of 700+. Rates, terms, & conditions subject to change at any time.

‡Payments listed are only examples. Payment examples are based off a home improvement loan with a 60-month term & APR listed above calculating the payment per $1,000. Tax & insurance are not included in the payment the acutal payment obligation will be greater.

* APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account. Rate is accurate as of the last dividend declaration date.
**Minimum $25 deposit required.

*APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Fees may reduce earnings on the account.

* APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Merit checking requires an average monthly balance of $250 or more to earn dividends.

 

Ready Reserve Account Rates

* APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account. Rate is accurate as of last dividend declaration date. Account opening deposit not required.

*APY=Annual Percentage Yield. Rates may change after account is opened. Fees may reduce earnings on account. Rate is accurate as of last dividend declaration date. Account opening deposit not required.

Eligibility to contribute to an HSA is established by the following criteria: 1) Covered under a high deductible health plan (HDHP), 2) Not covered by any other health plan that is not an HDHP (with certain exceptions for plans providing preventative care and limited types of permitted insurance and permitted coverage), and 3) Not enrolled in Medicare.

*APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account.

* APY = Annual Percentage Yield. Rates may change after the account is opened. Rate is accurate as of last dividend declaration date. Fees may reduce earnings on the account.

IRA/Share Certificate Rates

* APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today’s dividend declaration. Fees may reduce earnings on the account.
**3 Month Certificate requires a minimum deposit of $5,000

*APY=Annual Percentage Yield. Rates may change after account is opened.
This account is automatically opened by the Credit Union when an Owner Participation rebate is rewarded. Members are unable to deposit additional funds to this account. Rate is accurate as of last declaration date.