Loan Rates
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Vehicle Loans
New Vehicles |
APR* as low as | Monthly Payment Per $1000** |
|---|---|---|
| 48 months | 1.99% | $21.69 |
| 60 months | 1.99% | $17.52 |
| 72 months | 2.09% | $14.79 |
| 84 months*** | 2.99% | $13.21 |
| Used Vehicles (2014 - 2020) Term up to: |
APR* as low as | Monthly Payment Per $1000** |
|---|---|---|
| 48 months | 2.09% | $21.73 |
| 60 months | 2.39% | $17.70 |
| 72 months | 3.29% | $15.32 |
| 84 months*** | 3.99% | $13.66 |
| Used Vehicles (2013 and older) Term up to: |
APR* as low as | Monthly Payment Per $1000** |
|---|---|---|
| 48 months | 3.99% | $22.57 |
| 60 months | 4.49% | $18.64 |
| 72 months | 5.09% | $16.15 |
| Large Recreational Vehicles: Motorhomes, Boats, 5th Wheels, Travel Trailers Term up to: |
APR* as low as | Monthly Payment Per $1000** |
|---|---|---|
| 60 months | 3.99% | $18.41 |
| 84 months | 4.99% | $14.13 |
| 120 months | 6.99% | $11.61 |
| 180 months | 7.49% | $9.26 |
| Small Recreational Vehicles: Scooters, ATVs, Snowmobiles, Jetskis Term up to: |
APR* as low as | Monthly Payment Per $1000** |
|---|---|---|
| 48 months | 4.69% | $22.89 |
| 60 months | 4.99% | $18.87 |
| 72 months | 5.49% | $16.33 |
Real Estate Loans
First Mortgages
| 1st Mortgages | APR* as low as | Monthly Payment Per $1000† |
|---|---|---|
| 7 Year Fixed | 2.790% | $13.12 |
| 10 Year Fixed | 2.990% | $9.65 |
| 12 year Fixed | 3.090% | $8.32 |
| 15 or 30 Year Fixed | Contact Us | |
| 7/1 ARM | Contact Us |
Second Mortgages
| Home Equity Line of Credit (variable rate) | APR* as low as | Monthly Payment Per $1000** |
|---|---|---|
| Up to 80% LTV | 1.49% Intro†† | Variable |
| Second Mortgage Fixed Rate Up to 70% Loan to Value | ||
|---|---|---|
| Term | APR* as low as | Monthly Payment Per $1000** |
| 5 Year | 3.74% | $18.30 |
| 7 Year | 4.24% | $13.78 |
| 10 year | 4.74% | $10.48 |
| 15 year | 5.74% | $8.30 |
| Second Mortgage Fixed Rate Up to 80% Loan to Value | ||
|---|---|---|
| Term | APR* as low as | Monthly Payment Per $1000** |
| 5 Year | 3.99% | $18.41 |
| 7 Year | 4.49% | $13.90 |
| 10 year | 4.99% | $10.60 |
| 15 year | 5.99% | $8.43 |
Other Loans
| Loan Type | Term | APR* | Monthly Payment Per $1000** |
|---|---|---|---|
| Project Home Loan | Up to 72 months | (as low as) 7.90% | $17.48 |
| Personal (including DREAMer and Quinceanara) |
Up to 24 months |
(as low as) 6.79% | $44.68 |
| Up to 60 months | (as low as) 7.99% | $20.27 | |
| Advantage Line | Revolving | 9.99% Fixed | $15 or 2% of balance (whichever is greater) |
| Kwik Cash Overdraft line | Revolving | 14.90% Fixed | $15 or 2% of balance (whichever is greater) |
| Share Secured/Credit Builder | Up to 60 months | 3.00% | $17.97 |
| Certificate Secured | Up to 60 months | 3.00% + pledged share rate | Varies |
Debt Counseling
GreenPath offers free credit counseling and debt counseling to help ease your financial stress, address your financial concerns, and develop a plan for living a financially healthy life. If you’re concerned about debt... GreenPath can help.
*APR is Annual Percentage Rate. Your actual loan rate will be based on your credit history and term of loan and amount financed.
**Monthly payment is based on payment per $1,000 for term and rate shown.
***Minimum loan amount is $30,000.
†Monthly payment is based on payment per $1,000 for term and rate shown. Payments listed do not include amounts for property taxes or hazard insurance.
†† The fixed introductory rate of 1.49% for 12months is valid for new DCCU home equity line of credit requests for homeowners with up to 80% combined loan-to-value (LTV). After the introductory period the variable rate will be as low as 3.99% and is tied to the Prime Rate, as published in the Wall Street Journal, plus a margin. Prime rate is 3.25% as of 3/16/2020. Rates subject to change but cannot exceed 14.99%. Interest begins to accrue from the date of advance. Minimum monthly payment during 10-year draw period is interest only. No annual fees. Normal closing costs ($204 - $325) waived unless appraisal or title insurance fees are required. Proof of homeowners insurance required. Offer is subject to normal credit qualifications. Existing Home Equity Lines of Credit must increase by a minimum of $5,000 to qualify for the introductory rate. Minimum credit score of 630 is required to qualify for promotional introductory rate. $5 membership savings account required. Consult a tax advisor regarding the deductibility of interest. Offer is subject to change without notice.
