Member Rate Sheet

Rates effective as of 5/19/2024

Loan Type Fixed APR3 Max Fixed Terms
New Vehicle with Auto Pay from DFCU Account As low as 6.74%  Up to 72 months
As low as 6.99%  73 to 83 months
As low as 7.74%  84 months
New Vehicle without Auto Pay As low as 6.99%  Up to 72 months
As low as 7.24%  73 to 83 months
As low as 7.99%  84 months
Used Vehicle with Auto Pay from DFCU Account As low as 6.74%  Up to 72 months
As low as 6.99%  73 to 83 months
As low as 7.74%  84 months
Used Vehicle without Auto Pay As low as 6.99%  Up to 72 months
As low as 7.24%  73 to 83 months
As low as 7.99%  84 months

Rates effective as of 5/19/2024


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 5/19/2024


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 5/19/2024


APR5 Max Fixed Term Max Variable Term Max CLTV
As low as 9.25% APR N/A N/A <=80%
As low as 9.75% APR N/A N/A >80% <=90%

Rates effective as of 5/19/2024


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 5/19/2024


Variable APR5
18.00%

Rates effective as of 5/19/2024


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 5/19/2024

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.