Member Rate Sheet
Rates effective as of 10/15/2024
| Loan Type |
Fixed APR3 |
Max Fixed Terms |
| New Vehicle with Auto Pay from DFCU Account |
As low as 6.24% |
Up to 72 months |
| As low as 6.49% |
73 to 83 months |
| As low as 7.24% |
84 months |
| New Vehicle without Auto Pay |
As low as 6.49% |
Up to 72 months |
| As low as 6.74% |
73 to 83 months |
| As low as 7.49% |
84 months |
| Used Vehicle with Auto Pay from DFCU Account |
As low as 6.24% |
Up to 72 months |
| As low as 6.49% |
73 to 83 months |
| As low as 7.24% |
84 months |
| Used Vehicle without Auto Pay |
As low as 6.49% |
Up to 72 months |
| As low as 6.74% |
73 to 83 months |
| As low as 7.49% |
84 months |
Rates effective as of 10/15/2024
Boat Loans
| Loan Amount |
Fixed APR3 |
Max Fixed Terms |
| $5,000 - $35,000 |
As low as 7.74% APR |
Ask for details |
| $35,001 -$350,000 |
As low as 7.24% APR |
Ask for details |
Recreational Vehicle Loans
| Loan Term |
Fixed APR3 |
Max Fixed Terms |
| 36 months or less |
As low as 6.74% APR |
Ask for details |
| 37 months or more |
As low as 7.24% APR |
Ask for details |
Motorhome Loans
| Loan Term |
Fixed APR3 |
Max Fixed Terms |
| Up to 180 months |
As low as 7.99% APR |
Ask for details |
Rates effective as of 10/15/2024
| APR4 |
Max Fixed Term |
Max Variable Term |
Max CLTV |
| As low as 6.49% APR |
60 Months |
N/A |
<=80% |
| As low as 7.24% APR |
120 Months |
N/A |
<=80% |
| As low as 8.24% APR |
180 Months |
N/A |
<=80% |
| As low as 7.24% APR |
60 Months |
N/A |
>80% <=90% |
| As low as 7.99% APR |
120 Months |
N/A |
>80% <=90% |
| As low as 8.99% APR |
180 Months |
N/A |
>80% <=90% |
Rates effective as of 10/15/2024
| APR5 |
Max Fixed Term |
Max Variable Term |
Max CLTV |
| As low as 7.75% APR |
N/A |
N/A |
<=50% |
Rates effective as of 10/15/2024
| Fixed APR6 |
Variable APR |
Max Fixed Terms |
Minimum Amount |
Maximum Amount |
| As low as 15.24% |
N/A |
60 Months |
$1,000 |
$10,000 |
Rates effective as of 10/15/2024
Rates effective as of 10/15/2024
| Fixed APR7 |
Variable APR |
Max Fixed Terms |
Minimum Amount |
Maximum Amount |
| 6.00% |
N/A |
60 Months |
$2,000 |
$50,000 |
Rates effective as of 10/15/2024
3Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Preferred Rates with Auto Pay: As shown in the above APR (Annual Percentage Rate), you will receive a discount of 0.25% on your interest rate with automatic payment from a DFCU Financial checking or savings account. Preferred rates are not available for Personal Lines of Credit, Credit Cards, Share Loans, Home Equity Lines of Credit or any other Unsecured Loan. Late Charges: If your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
4Home Equity Loans must be for a primary Michigan residence or a secondary lien on a Michigan vacation home and must be owner-occupied. Property, title and/or flood insurance, if applicable, are required. APR = Annual Percentage Rate. CLTV = Combined Loan To Value. Fixed-Rate Home Equity Loan: NO Annual Fee.
5Variable Rates: The Annual Percentage Rate (APR) is determined by the sum of the Prime Rate as listed in the Money Rates table of the Wall Street Journal (index) plus a margin of at least 0.75% on Home Equity Lines of Credit and 10.50% on Personal Lines of Credit, and is subject to change the first day of each month. Any change in the APR will take the form of additional payments of the same amount. The maximum APR that can apply is 25.00% or the maximum permitted by law, whichever is less. Late Fee: if your payment is more than 15 days late you will be charged a $20 late fee. Home Equity Line of Credit Annual Fee: $50; Personal Line of Credit Annual Fee: $25. We do business in accordance with the Federal Fair Housing Laws and the Equal Credit Opportunity Act.
6Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Late Charges: if your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.
7Share Loans use a dollar-for-dollar match from your DFCU Savings Account or DFCU Certificate balances to secure the loan. Secured funds will be released upon loan pay off. APR = Annual Percentage Rate.