Rates - Deere Employees Credit Union skip to Main Content
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!

Loan Rates
AUTO LOANS – Effective Today

wdt_ID Model Year 2019-2014 New/Refinance As Low As APR* Payment Per $1,000
1 36 Months 2.99 29.18
2 48 Months 2.99 22.22
3 60 Months 2.99 18.04
4 72 Months 3.74 15.59

*Model years 2019 – 2014 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.

wdt_ID Model Year 2013-2007 As Low As APR* Payment Per $1,000
1 36 Months 3.49 29.40
2 48 Months 3.49 22.44
3 60 Months 3.49 18.26

*Model years 2013 – 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

wdt_ID General Secured As Low As APR*
1 New: Model Years 2019-2014 4.74
2 Used: Model Years 2013-2007 5.49
3 Used: Model Years 2006 & Older 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.

wdt_ID Payment Saver Auto Loan - 2019-2014 As Low As APR* Payment Per $1,000
1 36 Months 3.99% $29.62
2 48 Months 3.99% $22.65
3 60 Months** 3.99% $18.47
4 72 Months** 4.74% $16.03
*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.

HOME EQUITY LOAN

wdt_ID Home Equity Loans As Low As APR*
1 Equity Line of Credit up to 80% LTV** 4.74
2 Equity Line of Credit up to 95% LTV** 5.24
3 Easy Equity Loans up to 80% LTV 4.24
4 Easy Equity Loans up to 95% LTV 4.99

*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% 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.

HOME IMPROVEMENT LOANS

wdt_ID Home Improvement Loans As Low As APR*
1 Secured up to $100,000 4.74%
2 Unsecured up to $7,500 5.24%
3 Unsecured $7,501-$25,000 5.24%
*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.

equal housing lender logo

wdt_ID Other Loans As Low As APR*
1 Signature** 8.74%
2 Line of Credit** 12.90%
4 Deposit Collateral (Share/CD) 3% over the share being pledged

*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.

DEPOSIT RATES – Effective Today 

wdt_ID Prime Share Accounts APY* Dividend Rate
1 $25-$5,000 0.15 0.15
2 $5,000-$25,000 0.15 0.15
3 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. Rate is accurate as of last declaration date.
**Minimum $25 deposit required.

wdt_ID Checking Accounts APY* Dividend Rate
1 E-Access 0.00 0.00
2 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. Rate is accurate as of last declaration date.

wdt_ID Ready Reserve Account APY* Dividend Rate
1 $0.00-$9,999 0.00 0.00
2 $10,000-49,999 0.30 0.30
3 $50,000-$74,999 0.30 0.30
4 $75,000-$99,999 0.30 0.30
5 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. Rate is accurate as of last declaration date.

wdt_ID Health Savings Account APY* Dividend Rate
1 0.15 0.15

*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.

wdt_ID High Yield Savings Account APY* Dividend Rate
1 $0-$4,999 0.15 0.15
2 $5,000 and over** 0.25 0.25

*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.

wdt_ID Money Market APY* Dividend Rate
1 $0-$4,999 0.15 0.15
2 $5,000-$9,999 0.25 0.25
3 $10,000-$19,999 0.25 0.25
4 $20,000-$49,999 1.45 1.44
5 $50,000-$74,999 1.55 1.54
6 $75,000-$99,999 1.60 1.59
7 $100,000-$249,000 1.95 1.93
8 $250,000 and over 2.00 1.98

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

wdt_ID IRA Accumulation/Builder APY* Dividend Rate
1 $25-$49,999 0.80 0.79
2 $50,000-$74,999 0.85 0.84
3 $75,000-$99,999 0.90 0.89
4 $100,000 and over 1.05 1.04

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

wdt_ID IRA & Share Certificates APY* Dividend Rate
1 3 Month** 1.30 1.29
2 6 Month 1.60 1.59
3 12 Month 2.60 2.57
4 18 Month 2.75 2.72
5 24 Month 2.80 2.77
6 36 Month 2.85 2.82
7 48 Month 2.95 2.91
8 60 Month 3.05 3.01

* 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

wdt_ID Owner Participation Account APY* Dividend Rate
1 (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. Rate is accurate as of last declaration date.

Mortgage Rates


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. Payment listed based on borrowing $100,000 amoritized over 30 years. 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

equal housing lender logo
ASK US A QUESTION
  • Name * Required
  • This field is for validation purposes and should be left unchanged.