On Thursday, February 20, 2025, our Call Center will open at 9AM, our Woodstock location will open at 10AM, and all other locations will open at 11AM.

DCCU Routing # 251483311

Rates

Rates accurate as of 02/01/2022. Rates are subject to change without notice.

30 Year Fixed
Rate
7.125%
APR
7.278%

20 Year Fixed
Rate
6.875%
APR
7.070%

5/5 ARM
Rate
6.125%
APR
6.655%

3/1 ARM
Rate
5.875%
APR
6.716%

Rates are the best currently available without the (optional) payment of discount points to lower the rate. Example of a 30 Year Fixed Loan: $250,000 purchase price, $225,000 loan amount, interest rate 6.5%, corresponding annual percentage rate (APR) 6.607%, and $1,422.12 per month principal and interest payment. Payment example does not include insurance premiums or taxes, monthly payment obligation will be higher. Rates, terms, and conditions subject to change and may vary based on creditworthiness, qualifications, and collateral condition. All loans subject to credit approval. Certain restrictions apply. Membership eligibility required.

New Vehicles/Motorcycles

0 - 36 Months
Min. APR
3.99%
Max. APR
12.39%

37 - 48 Months
Min. APR
4.99%
Max. APR
13.09%

49 - 60 Months
Min. APR
5.99%
Max. APR
13.19%

61 - 72 Months
Min. APR
6.49%
Max. APR
13.39%

73 - 84 Months
Min. APR
6.89%
Max. APR
8.69%

Used Vehicles/Motorcycles

Vehicles 2016 model year and newer. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate.

0 - 36 Months
Min. APR
4.49%
Max. APR
12.79%

37 - 48 Months
Min. APR
5.59%
Max. APR
13.99%

49 - 60 Months
Min. APR
6.59%
Max. APR
14.19%

61 - 72 Months
Min. APR
6.79%
Max. APR
14.49%

73 - 84 Months
Min. APR
7.39%
Max. APR
9.69%

Used Vehicles/Motorcycles

Vehicles 2015 model year and older. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate.

0 - 24 Months
Min. APR
6.25%
Max. APR
19.50%

25 - 48 Months
Min. APR
7.25%
Max. APR
20.50%

49 - 60 Months
Min. APR
7.75%
Max. APR
9.25%

New RVs

Includes Motor Homes and Travel Trailers

0 - 48 Months
Min. APR
4.99%
Max. APR
15.19%

49 - 60 Months
Min. APR
5.49%
Max. APR
15.49%

61 - 72 Months
Min. APR
5.99%
Max. APR
15.79%

73 - 84 Months
Min. APR
6.49%
Max. APR
16.29%

85 - 120 Months
Min. APR
7.49%
Max. APR
17.29%

Used RVs

Includes Motor Homes and Travel Trailers 2014 model year and newer. RVs with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate.

0 - 48 Months
Min. APR
5.49%
Max. APR
16.29%

49 - 60 Months
Min. APR
5.99%
Max. APR
16.29%

61 - 72 Months
Min. APR
6.49%
Max. APR
16.79%

Example auto loan payment: 5.49% APR for 36 monthly payments is approximately $30.19 per $1,000 borrowed.

Line of Credit
Min. APR
11.00%
Max. APR
18.00%

0 - 24 Months
Min. APR
12.50%
Max. APR
21.00%

25 - 48 Months
Min. APR
13.50%
Max. APR
22.00%

Example personal loan: 12.75% APR for 24 monthly payments is approximately $47.42 per $1,000 borrowed.

Mastercard Offerings

Maximum Credit Limit is $30,000. Aggregate Credit Limit Maximum is $30,000.

Rewards
Min. APR
12.24%
Max. APR
23.24%

Cash Back
Min. APR
13.24%
Max. APR
24.24%

Share Secure
Min. APR
13.24%
Max. APR
20.24%

World
Min. APR
16.24%
Max. APR
27.24%

Business
Min. APR
14.24%
Max. APR
25.24%

Fees may reduce earnings on your accounts. APY = Annual Percentage Yield.

Grow Checking Tier 2
15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly
Dividend Rate
5.40%
APY
5.54%

$25,000.01 and Above
Dividend Rate
0.00%
APY
0.00% to 5.54%

Grow Checking Tier 1
10 Debit Transaction Monthly
Dividend Rate
0.35%
APY
0.35%

$25,000.01 and Above
Dividend Rate
0.00%
APY
0.00% to 0.35%

Grow Base Tier
Dividend Rate
0.00%
APY
0.00%

Rewards Checking
Dividend Rate
0.00%
APY
0.00%

Fees may reduce earnings on your accounts. APY = Annual Percentage Yield.

Savings
Minimum Balance of $5
Dividend Rate
0.01%
APY
0.01%

Christmas Club
Automatic Deposit to Savings or Checking on Oct. 1
Dividend Rate
0.01%
APY
0.01%

Club Account
Save for college, taxes, insurance, etc.
Dividend Rate
0.01%
APY
0.01%

Vacation Club
No Minimum Balance
Dividend Rate
0.01%
APY
0.01%

Health Savings Account
Minimum Balance of $5
Dividend Rate
0.01%
APY
0.01%

Money Market

Balances of $100,000 and above
Dividend Rate
2.00%
APY
2.02%

Balances of $50,000 – $99,999.99
Dividend Rate
1.50%
APY
1.51%

Balances of $25,000 – $49,999.99
Dividend Rate
1.00%
APY
1.00%

Balances of $1,000 – $24,999.99
Dividend Rate
1.00%
APY
1.00%

Balances of $999.99 and under
Dividend Rate
0.00%
APY
0.00%

IRA Account

Balances of $1,000 and above
Dividend Rate
0.15%
APY
0.15%

Balances of $999.99 and under
Dividend Rate
0.05%
APY
0.05%

Certificates

Minimum Balance of $500. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts. APY = Annual Percentage Yield.

6 Months/182 Days
Dividend Rate
4.05%
APY
4.13%

1 Year/12 Months
Dividend Rate
3.25%
APY
3.30%

15 months
Dividend Rate
3.75%
APY
3.82%

1.5 Years/18 Months
Dividend Rate
3.00%
APY
3.04%

2 Years/24 Months
Dividend Rate
3.05%
APY
3.09%

2.5 Years/30 Months
Dividend Rate
3.10%
APY
3.14%

3 Years/36 Months
Dividend Rate
3.35%
APY
3.40%

4 Years/48 Months
Dividend Rate
3.30%
APY
3.35%

5 Years/60 Months
Dividend Rate
3.25%
APY
3.30%

IRA Certificates

Minimum Balance of $1,000. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts.

6 Months/182 Days
Dividend Rate
4.05%
APY
4.13%

1 Year/12 Months
Dividend Rate
3.25%
APY
3.30%

15 months
Dividend Rate
3.75%
APY
3.82%

1.5 Years/18 Months
Dividend Rate
3.00%
APY
3.04%

2 Years/24 Months
Dividend Rate
3.05%
APY
3.09%

2.5 Years/30 Months
Dividend Rate
3.10%
APY
3.14%

3 Years/36 Months
Dividend Rate
3.35%
APY
3.40%

4 Years/48 Months
Dividend Rate
3.30%
APY
3.35%

5 Years/60 Months
Dividend Rate
3.25%
APY
3.30%

HSA Certificates

Minimum Balance of $1,000. Early withdrawal penalties may apply. Fees may reduce earnings on your accounts.

6 Months/182 Days
Dividend Rate
4.05%
APY
4.11%

1 Year/12 Months
Dividend Rate
3.25%
APY
3.30%

15 months
Dividend Rate
3.75%
APY
3.82%

1.5 Years/18 Months
Dividend Rate
3.00%
APY
3.04%

2 Years/24 Months
Dividend Rate
3.05%
APY
3.09%

2.5 Years/30 Months
Dividend Rate
3.10%
APY
3.14%

3 Years/36 Months
Dividend Rate
3.35%
APY
3.40%

4 Years/48 Months
Dividend Rate
3.30%
APY
3.35%

5 Years/60 Months
Dividend Rate
3.25%
APY
3.30%

Business Checking

Fees may reduce earnings on your accounts. APY = Annual Percentage Yield.

Balances of $50,000 and above
Dividend Rate
0.40%
APY
0.40%

Balances of $25,000 - $49,999.99
Dividend Rate
0.25%
APY
0.25%

Balances of $2,500 - $24,999.99
Dividend Rate
0.15%
APY
0.15%

Balances up to $2,499.990
Dividend Rate
0.05%
APY
0.05%

Money Market

Fees may reduce earnings on your accounts.

Balances of $100,000 and above
Dividend Rate
2.00%
APY
2.02%

Balances of $50,000 – $99,999.99
Dividend Rate
1.50%
APY
1.51%

Balances of $25,000 – $49,999.99
Dividend Rate
1.00%
APY
1.00%

Balances of $1,000 – $24,999.99
Dividend Rate
1.00%
APY
1.00%

Business Certificates

Minimum balance of $500. Fees may reduce earnings on your accounts.

6 Months/182 Days
Dividend Rate
4.05%
APY
4.13%

1 Year/12 Months
Dividend Rate
3.25%
APY
3.30%

15 months
Dividend Rate
3.75%
APY
3.82%

1.5 Years/18 Months
Dividend Rate
3.00%
APY
3.04%

2 Years/24 Months
Dividend Rate
3.05%
APY
3.09%

2.5 Years/30 Months
Dividend Rate
3.10%
APY
3.14%

3 Years/36 Months
Dividend Rate
3.35%
APY
3.40%

4 Years/48 Months
Dividend Rate
3.30%
APY
3.35%

5 Years/60 Months
Dividend Rate
3.25%
APY
3.30%

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