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

Loan Rates
New Car Loans - Effective 1/1/2016
Model Years 2016-2011
As Low As APR*
Est. Payment Per $1,000
36 Months
1.99%
$28.75
48 Months
1.99%
$21.78
60 Months
1.99%
$17.60
72 Months
1.99%
$14.81
*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.
Used Car Loans
Model Years 2010-2005
As Low As APR*
Est. Payment Per $1,000
36 Months
3.29%
$29.32
48 Months
3.29%
$22.35
60 Months
3.29%
$18.17
*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.
General Secured
As Low As APR*
New (Model Years 2016-2011)
4.99%
Used (Model Years 2010-2005)
5.99%
*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.
Home Equity Loans
As Low As APR*
Equity Line of Credit up to 80% LTV**
2.99%
Equity Line of Credit up to 95% LTV**
3.99%
Easy Equity Loans up to 80% LTV
2.99%
Easy Equity Loans up to 95% LTV
3.99%
*APR=Annual Percentage Rate. LTV = 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 80% LTV rates valid for loan amounts up to $50,000. Loans amounts above $50,000 are priced at 95% LTV regardless of LTV.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 18.00% 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.
Other Loans
As Low As APR*
Signature**
7.00%
Line of Credit**
12.90%
Home Improvement Loans**
3.49%
Deposit Collateral (Share/CD)
3% over the share being pledged.
*APR=Annual Percentage Rate.

**Interest rates determined by individual credit history. 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.
Deposit Rates
Prime Share Accounts - APY is accurate as of the last declaration date.
APY*
Dividend Rate
$25-$5,000**
0.15%
0.15%
$5,001-$25,000
0.15%
0.15%
Over $25,000
0.15%
0.15%
* APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account.

**Minimum $25.00 deposit required.
Checking Accounts - APY is accurate as of the last declaration date.
APY*
Dividend Rate
E-Access
0.00%
0.00%
Merit with an Average Monthly Balance of $250 or more
0.10%
0.10%
* APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account.
Ready Reserve Account - APY is accurate as of the last declaration date.
APY*
Dividend Rate
$0.00-$9,999
0.00%
0.00%
$10,000-$49,999
0.30%
0.30%
$50,000-$74,999
0.30%
0.30%
$75,000-$99,999
0.30%
0.30%
Over $100,000
0.50%
0.49%
* APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings on account.
Health Savings Account (HSA) - APY is accurate as of the last declaration date.
APY*
Dividend Rate
0.15%
0.15%
*APY=Annual Percentage Yield. Rates may change after account is opened. Fees may reduce earnings on account.

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.
High Yield Savings Account - APY is accurate as of the last declaration date.
APY*
Dividend Rate
$0-$4,999
0.25%
0.25%
$5,000 and over**
0.50%
0.49%
*APY=Annual Percentage Yield. Rates may change after account is opened.

**Minimum $5,000 deposit required to open account.
Money Market - APY is accurate as of the last declaration date.
APY*
Dividend Rate
$0-$4,999
0.25%
0.25%
$5,000-$9,999
0.50%
0.49%
$10,000-$19,999
0.75%
0.74%
$20,000-$49,999
0.85%
0.84%
$50,000-$74,999
0.90%
0.89%
$75,000-$99,999
0.95%
0.94%
$100,000-$249,999
1.10%
1.09%
$250,000 and over
1.15%
1.14%
*APY = Annual Percentage Yield. Rates may change after the account is opened.
IRA Accumulation/Builder - APY is accurate as of the last declaration date.
APY*
Dividend Rate
$25-$49,999
0.80%
0.79%
$50,000-$74,999
0.85%
0.84%
$75,000-$99,999
0.90%
0.89%
$100,000 and over
1.05%
1.04%
* APY = Annual Percentage Yield. Rates may change after the account is opened.
IRA Certificates & Share Certificates
APY*
Dividend Rate
3 Month**
0.70%
0.69%
6 Month
1.00%
0.99%
12 Month
1.30%
1.29%
18 Month
1.35%
1.34%
24 Month
1.40%
1.39%
36 Month
1.60%
1.59%
48 Month
1.75%
1.73%
60 Month
2.75%
2.72%
* APY = Annual Percentage Yield. For all certificates unless otherwise noted: Penalty for early withdrawal. Minimum deposit of $500 required to open certificate.

**3 Month Certificate requires a minimum deposit of $5,000
Owner Participation Account - APY is accurate as of the last declaration date.
APY*
Dividend Rate
(OPA)
0.20%
0.20%
*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.
Mortgage Rates
Interest Rates starting at
Discount Points
Annual Percentage Rate Starting at
30 Year Fixed
15 Year Fixed
5/1 ARM CMT
3/1 ARM CMT
The rates quoted are based on a new purchase amount of $100,000.00, loan-to-value of 75% and a credit score of 740 or higher. All rates are 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.
VISA Credit Card Rates
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RatePointsAPRPayment
30 Year Fixed
3.625%03.763%$912
15 Year Fixed
2.875%0.3753.172%$1,369
5/1 ARM CMT
2.875%03.334%$830
3/1 ARM CMT
2.875%03.397%$830