Current rates.

At DECU we are proud to offer Best in Market rates on our loan products. Connect with a DECU representative today to talk more about how a DECU loan could support you today!

New Auto Loans - Model Year 2017-2012 New/Refinance

*Model years 2018 – 2013 qualify for “New” rate. Term is based on vehicle value and amount financed. Rates determined by individual credit score. The “As Low As” rates quoted here are for credit scores of 700+. All loans issued subject to credit approval. Rates, terms and conditions subject to change at any time.

Used Auto Loans - Model Year 2011-2006

*Model years 2012 – 2007 qualify for “Used” rate. Term is based on vehicle value and amount financed. Rates determined by individual credit score. The “As Low As” rates quoted here are for credit scores of 700+. All loans issued subject to credit approval. Rates, terms and conditions subject to change at any time.

Secured Auto Loans

*Term is based on value of the vehicle and amount financed. Rates are subject to individual credit scores. The “As Low As” rates quoted here are for credit scores of 700+. Rates, terms and conditions subject to change at any time.

New Payment Saver Auto Loan - 2018-2020

*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+.
**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.

Used Payment Saver Auto Loan - 2015-2017

*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+.
**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.

wdt_ID Mortgage Term Interest Rate Starting At APR Starting at* Payment Per $150,000** Costº
1 30 Year Fixed 3.125 3.286 643 1,125
2 20 Year Fixed 2.875 3.029 823 188
3 15 Year Fixed 2.500 2.714 1,000 375
4 7/1 ARM 30 Year^ 2.250 2.663 573 0
5 5/1 ARM 30 Year^ 2.000 2.643 554 0
6 3/1 ARM 30 Year^ 2.000 2.747 554 0

Rates quoted are based on a new purchase amount of $100,000, loan-to-value of 75%, primary residence and a credit score of 740 or higher. All rates quoted with 0 points and are subject to change without notice. Rates may vary based on loan size and 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. +Best in Market Rates based on weekly Market Rate Survey by www.Rate-Watch.com and www.BankRate.com.

*APR=Annual Percentage Rate. CLTV = Combined Loan to Value. Rates, terms and conditions are subject to change at any time. Rates listed are “as low as” and vary based on creditworthiness and qualifications. All home equity loans valid for loan amounts up to $50,000. All home equity loans require homeowners insurance. Flood insurance required for properties in a flood zone.
**The APR for the Line of Credit is variable and may change after the account is opened. Maximum rate is 18% APR. Fees for a Line of Credit include: Application Fee of $150 unless initial draw is $10,000 or more and a balance of $5,000 is maintained for the first year; Appraisal Fee may apply and range from $250 to $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 and conditions subject to change at any time.

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

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

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

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 declaration date.

*APY=Annual Percentage Yield. Rates may change after account is opened. Fees may reduce earnings on account. Rate is accurate as of last declaration date.
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 declaration date.
**Minimum $5,000 deposit required to open account.

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

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. Rate is accurate as of last declaration date.
**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.

*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 and conditions subject to change at any time.